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Kimchifart
Joined: 15 Sep 2010
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 Posted: Sat Mar 24, 2012 12:44 am Post subject: Garket internet shopping question |
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Hi,
I have a Nonghyup Check card which is a Maestro. Is that usable to purchase online via G-market?
Is G-market pretty much like Amazon in terms of how the checkout procedure works? At the moment I' a bit paranoid I'm going to click something that's going to commit me to buying the Dokdo Islets or something similarly expensive and 100% Korean.
Ta |
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pkang0202
Joined: 09 Mar 2007
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| Posted: Sat Mar 24, 2012 12:54 am Post subject: |
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| If it has a visa or mastercard logo on the front you shouldn't have any problems. |
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Jake_Kim
Joined: 27 Aug 2005
Location: Seoul
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| Posted: Sat Mar 24, 2012 1:03 am Post subject: |
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IF what I've seen before is still valid, NH Check Card comes out with a BC network logo, thus will be recognized online as a 'BC Card' instead of NH Card.
When you finish shopping at Gmarket and proceed to checkout, choosing BC Card(비씨카드) as a payment method will lead to all those usual plug-in cr**s of "ISP payment module."
This ISP module is a real piece of work (read sarcasm), which will attempt to load up pre-established (prior to your shopping with Gmarket or any other vendor) credit and/or debit card authentication info.
Said establishment of BC Card ISP works similar to a typical internet banking 'digital certificate', which means you should have set up an ISP PIN code long before you started your shopping process.
Initial set-up can be made through http://www.bccard.com/, there seem to be no fully-serviced English counterpart, and ISP-related menu can be found right next to a 'metro' icon as '안전결제(ISP) 안내'.
I wish you the best of luck setting it up. |
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Kimchifart
Joined: 15 Sep 2010
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| Posted: Sat Mar 24, 2012 2:24 am Post subject: |
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| Jake_Kim wrote: |
IF what I've seen before is still valid, NH Check Card comes out with a BC network logo, thus will be recognized online as a 'BC Card' instead of NH Card.
When you finish shopping at Gmarket and proceed to checkout, choosing BC Card(비씨카드) as a payment method will lead to all those usual plug-in cr**s of "ISP payment module."
This ISP module is a real piece of work (read sarcasm), which will attempt to load up pre-established (prior to your shopping with Gmarket or any other vendor) credit and/or debit card authentication info.
Said establishment of BC Card ISP works similar to a typical internet banking 'digital certificate', which means you should have set up an ISP PIN code long before you started your shopping process.
Initial set-up can be made through http://www.bccard.com/, there seem to be no fully-serviced English counterpart, and ISP-related menu can be found right next to a 'metro' icon as '안전결제(ISP) 안내'.
I wish you the best of luck setting it up. |
Holy crap, would it be easier with a visa? |
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Drew345
Joined: 24 May 2005
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| Posted: Sat Mar 24, 2012 2:55 am Post subject: |
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| I usually buy and then pay by bank transfer. I forgot the detail buttons to press when checking out, but there is some option to pay by bank transfer. When you select that, it will give you an account number at the bank you choose, and you have 3 days (or so) to put the money in that account. You can do it by an internet transfer, go to the bank, or probably at the ATM. |
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Jake_Kim
Joined: 27 Aug 2005
Location: Seoul
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| Posted: Sun Mar 25, 2012 12:58 am Post subject: |
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| Kimchifart wrote: |
| Jake_Kim wrote: |
IF what I've seen before is still valid, NH Check Card comes out with a BC network logo, thus will be recognized online as a 'BC Card' instead of NH Card.
When you finish shopping at Gmarket and proceed to checkout, choosing BC Card(비씨카드) as a payment method will lead to all those usual plug-in cr**s of "ISP payment module."
This ISP module is a real piece of work (read sarcasm), which will attempt to load up pre-established (prior to your shopping with Gmarket or any other vendor) credit and/or debit card authentication info.
Said establishment of BC Card ISP works similar to a typical internet banking 'digital certificate', which means you should have set up an ISP PIN code long before you started your shopping process.
Initial set-up can be made through http://www.bccard.com/, there seem to be no fully-serviced English counterpart, and ISP-related menu can be found right next to a 'metro' icon as '안전결제(ISP) 안내'.
I wish you the best of luck setting it up. |
Holy crap, would it be easier with a visa? |
Distinction between Visa and Mastercard doesn't mean much for domestic transactions within Korea, especially when it comes to online payments.
If you already have an internet banking facility set up with NH, along with your card, then Drew345's suggestion is in fact more straightforward.
You might also notice that there is a midway arrangement called '실시간계좌이체("Real-time Transfer")' which is a one-time direct debit from your account, skipping any credit/check card info. If you figure that out, that's fine. IMHO, nevertheless, you'd feel much safer wiring money at the moment of your choosing than 'letting it deducted' out of your account. |
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Kimchifart
Joined: 15 Sep 2010
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| Posted: Sun Mar 25, 2012 7:04 am Post subject: |
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| Jake_Kim wrote: |
| Kimchifart wrote: |
| Jake_Kim wrote: |
IF what I've seen before is still valid, NH Check Card comes out with a BC network logo, thus will be recognized online as a 'BC Card' instead of NH Card.
When you finish shopping at Gmarket and proceed to checkout, choosing BC Card(비씨카드) as a payment method will lead to all those usual plug-in cr**s of "ISP payment module."
This ISP module is a real piece of work (read sarcasm), which will attempt to load up pre-established (prior to your shopping with Gmarket or any other vendor) credit and/or debit card authentication info.
Said establishment of BC Card ISP works similar to a typical internet banking 'digital certificate', which means you should have set up an ISP PIN code long before you started your shopping process.
Initial set-up can be made through http://www.bccard.com/, there seem to be no fully-serviced English counterpart, and ISP-related menu can be found right next to a 'metro' icon as '안전결제(ISP) 안내'.
I wish you the best of luck setting it up. |
Holy crap, would it be easier with a visa? |
Distinction between Visa and Mastercard doesn't mean much for domestic transactions within Korea, especially when it comes to online payments.
If you already have an internet banking facility set up with NH, along with your card, then Drew345's suggestion is in fact more straightforward.
You might also notice that there is a midway arrangement called '실시간계좌이체("Real-time Transfer")' which is a one-time direct debit from your account, skipping any credit/check card info. If you figure that out, that's fine. IMHO, nevertheless, you'd feel much safer wiring money at the moment of your choosing than 'letting it deducted' out of your account. |
The Nonghyup internet banking system is crazily complicated and non user friendly. I can't even remember all the passwords and where to enter each one. ugh. I'll give it a go on the BC card thing, but I'm really disappointed at how inconvenient online purchasing is here.
Do you know the Korean name of the one where I go to my atm machine and just do a transfer from there? Not ideal as that tends to put a delay on the purchase, but hey, whatever's easiest.
By the way, is it tricky to set up paypal here or easy? It looks like it might be more convenient to set that up here and use that.
Last edited by Kimchifart on Sun Mar 25, 2012 7:14 am; edited 1 time in total |
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Maneki Neko
Joined: 15 May 2009
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| Posted: Sun Mar 25, 2012 7:13 am Post subject: |
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Do online transfer, it's much easier. Assuming you have internet banking?
The Korean for this is 실시간 계좌이체. I don't even think you need to set it up now that I think about it. You do need to install several active-x programme thingy, but once that's done you can do it easily. Just be mindful that Nonghyup's internet banking shuts down from 11.30pm daily, so for this online transfer to work, you have to complete your transaction by 11.30pm. |
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Kimchifart
Joined: 15 Sep 2010
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| Posted: Sun Mar 25, 2012 7:15 am Post subject: |
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| Maneki Neko wrote: |
Do online transfer, it's much easier. Assuming you have internet banking?
The Korean for this is 실시간 계좌이체. I don't even think you need to set it up now that I think about it. You do need to install several active-x programme thingy, but once that's done you can do it easily. Just be mindful that Nonghyup's internet banking shuts down from 11.30pm daily, so for this online transfer to work, you have to complete your transaction by 11.30pm. |
Have you tried setting up a paypal account here? I'm betting it's a nightmare yeah? Why the hell is banking so bad here? |
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Maneki Neko
Joined: 15 May 2009
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| Posted: Sun Mar 25, 2012 7:17 am Post subject: |
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Because Korea is a close economy.
But that's beside the point.
Paypal doesn't work here. And I am not talking about paypal payment transfer. This is the Korean inter-bank transfer system. It's how I pay for all my things online nowadays. |
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Kimchifart
Joined: 15 Sep 2010
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| Posted: Sun Mar 25, 2012 7:26 am Post subject: |
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| Maneki Neko wrote: |
Because Korea is a close economy.
But that's beside the point.
Paypal doesn't work here. And I am not talking about paypal payment transfer. This is the Korean inter-bank transfer system. It's how I pay for all my things online nowadays. |
OK thanks,
So just to see if I have this right, aside from a visa card which I don't have (but could easily get one) my main options are
1. Pay by NH internet banking (it says in English on gmarket 'sending cash' is this that option?)
2. doing an ATM transfer (or did it mean that is the 'sending cash' option?)
I'm confused.  |
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Maneki Neko
Joined: 15 May 2009
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| Posted: Sun Mar 25, 2012 7:32 am Post subject: |
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I don't know... I do it in Korean. The English version, I've just looked, is different.
Like I said, in Korean it says 실시간 계좌이체, which literally means real-time bank transfer.
But sending cash can mean two things - one is bank transfer, which requires you to write down the bank account number to where you are transferring the money, go to your internet banking and do the whole money transfer thing; or real-time bank transfer, which doesn't require you to have to go to your internet banking website...
Your best bet is to ask a Korean speaking person to show you how to do these things.. |
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Jake_Kim
Joined: 27 Aug 2005
Location: Seoul
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| Posted: Sun Mar 25, 2012 8:32 am Post subject: |
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| Kimchifart wrote: |
| Maneki Neko wrote: |
Because Korea is a close economy.
But that's beside the point.
Paypal doesn't work here. And I am not talking about paypal payment transfer. This is the Korean inter-bank transfer system. It's how I pay for all my things online nowadays. |
OK thanks,
So just to see if I have this right, aside from a visa card which I don't have (but could easily get one) my main options are
1. Pay by NH internet banking (it says in English on gmarket 'sending cash' is this that option?)
2. doing an ATM transfer (or did it mean that is the 'sending cash' option?)
I'm confused. |
I can understand your confusion, but the distinction is not that sophisticated.
If you shop through Korean version of Gmarket, you get to see both '은행송금(전용계좌)' and '실시간 계좌이체' options among others. Through English version, the former is given as 'Sending Money (Private Account)'. The latter option seems omitted from English version, but that may depend on vendor.
The latter, '실시간 계좌이체', is a payment method in which the amount due gets deducted real-time from your bank account as if you're paying for something with your check/debit card at a supermarket. You'd need your digital certificate which you use for internet banking as well as bank account info from which the amount will be debited.
The former, '은행송금(전용계좌)' doesn't do real-time debit. It simply gives you a personalized bank account number of Gmarket which the shop's computer constantly monitors. Then, all you need to do is to transfer the exact amount into that account. It doesn't matter if you do so through bank's internet banking system, or smartphone banking, or go to an ATM of your bank, or go to a branch of your bank and have it done in person, because the end result is the same. The amount you owe has been deposited into Gmarket's bank. Since the target account number is 'personalized', (generated by the computer) Gmarket server almost immediately recognizes your transfer and sends a dispatch order to the vendor.
As a side note, if you see 'Mobile Phone Payment' or equivalent '휴대폰 소액결제', it allows you to add the amount due on your mobile phone bill after text message authentication, provided that you're under a plan (not prepaid) and the amount to be paid falls within certain limit. For example, I can add Gmarket bills up to 300k Won per month by choosing this method, but I'm not certain whether that capping is uniform. |
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myenglishisno
Joined: 08 Mar 2011
Location: Geumchon
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| Posted: Sun Mar 25, 2012 8:47 am Post subject: |
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| Kimchifart wrote: |
| Jake_Kim wrote: |
| Kimchifart wrote: |
| Jake_Kim wrote: |
IF what I've seen before is still valid, NH Check Card comes out with a BC network logo, thus will be recognized online as a 'BC Card' instead of NH Card.
When you finish shopping at Gmarket and proceed to checkout, choosing BC Card(비씨카드) as a payment method will lead to all those usual plug-in cr**s of "ISP payment module."
This ISP module is a real piece of work (read sarcasm), which will attempt to load up pre-established (prior to your shopping with Gmarket or any other vendor) credit and/or debit card authentication info.
Said establishment of BC Card ISP works similar to a typical internet banking 'digital certificate', which means you should have set up an ISP PIN code long before you started your shopping process.
Initial set-up can be made through http://www.bccard.com/, there seem to be no fully-serviced English counterpart, and ISP-related menu can be found right next to a 'metro' icon as '안전결제(ISP) 안내'.
I wish you the best of luck setting it up. |
Holy crap, would it be easier with a visa? |
Distinction between Visa and Mastercard doesn't mean much for domestic transactions within Korea, especially when it comes to online payments.
If you already have an internet banking facility set up with NH, along with your card, then Drew345's suggestion is in fact more straightforward.
You might also notice that there is a midway arrangement called '실시간계좌이체("Real-time Transfer")' which is a one-time direct debit from your account, skipping any credit/check card info. If you figure that out, that's fine. IMHO, nevertheless, you'd feel much safer wiring money at the moment of your choosing than 'letting it deducted' out of your account. |
The Nonghyup internet banking system is crazily complicated and non user friendly. I can't even remember all the passwords and where to enter each one. ugh. I'll give it a go on the BC card thing, but I'm really disappointed at how inconvenient online purchasing is here.
Do you know the Korean name of the one where I go to my atm machine and just do a transfer from there? Not ideal as that tends to put a delay on the purchase, but hey, whatever's easiest.
By the way, is it tricky to set up paypal here or easy? It looks like it might be more convenient to set that up here and use that. |
Different reaction on this thread. I made a similar thread about two weeks ago and plenty of people showed up to call me a complete retard for having any problems with this.
I've been using the bank transfer method. My k-girlfriend is helping me sign up a USB drive I can use as authentication so I don't have to go to the bank. |
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Kimchifart
Joined: 15 Sep 2010
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| Posted: Mon Mar 26, 2012 12:13 am Post subject: |
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I could have just gone through the process, but didn't want to risk making a big cock up!
OK, so I'll give it a try, I like the ATM idea, very easy for me to do that... |
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