kami din tom, i prepared gcash and gotyme

If you have the Gcash Visa card it works just as well as any other credit cards sa establishments that accept card payments. For cash withdrawal, I only experience na di sya tinatanggap sa BIDV atms. All other atms i tried ok naman (Agribank, Vietin, Vietcombank, etc.). Service charge ranges from 20k to 50k VND, iba iba per bank QR code would only work sa establishments na may AliPay as payment method which is pretty much non-existent

Ma ayos naman pang bayad ng bills at makapag transfer na din.. basta may access ka sa simCard as always.. and mag ingat sa pag send ng pera mag double or 3pol check kung tama ang mga digits dahil yan ang problema kay Gcash.. once na send mo na at nagkamali kahit isang digit lang… pahirapan mabawi hence dina mababawi😆 pero ang point ay okay xa gamitin pang bayad ng bills🥳 OFW din po ako Gcash user for bills.