Improve and fix how to find open shared payment requests

Co-Blue-Swan-3843917288

Hi,

I'm using shared payment requests on daily basis, for example:
- Gather money for the school class of my kids from parents
- In Holland we have a marktplaats.nl where you sell second hand stuff. Payment links used to get the money from buyer
- Sharing coffee costs somewhere in town with friends
- etc.
I know for some purposes the bunq.me link would be convenient, but when you want to have a fixed amount / description the shared payment link is the way to go.

Issue:

At the moment I don't find it very intuitive and there is no overview to see all open shared payment requests. Let me share my 2 cents with you since for me this is a very often used functionality (for me) and it isn't that intuitive to use at the moment.

First create a shared request via a link where the payment goes to account X
How to find this request:
Tap on 'For me' tab
Tap on the account X tile
Tap on the magnifying glass
Tap on filter icon
Tap on 'Transaction status' and choose 'Openstaande requests aan anderen' - I guess 'Open requests to others' in English.
Tap on the V
Now it shows the just created request.

Issue 1:

Note that when you search for the new request from inside the total overview tile without first manual refreshing the overview you won't find this request.
-> I expect when tapping a tile that the overview has the latest changes and it is not needed to manual refresh this.

Issue 2:

Now it happens that one person pays this request - while expecting others still to pay.
For me the confusion starts now finding this request.
#3 Search again for this request like you did in #2 from inside the account X tile.
Result: request will not show up in search results, thinking that you don't have 'open' requests - while they still are.
-> I expect all 'Open requests to others' filter to show all open requests in the search result like the filter naming would suggest, although there is a payment done. Of course the request is now 1x payed, but it can be paid by more people (like other parents from the class of my kids for example). As soon as you manually close the request - from inside the request - I expect to not show it anymore.

This is especially relevant when having more open payment requests where you expect more payments per shared link to keep track of if everything is payed for. At the moment there is no way of keeping track of open payment requests in all the (sub)accounts when the request is paid - at least - one time. You have to create a note list (somewhere in a different app, or excel sheet) to keep track of what open shared links you have created to check if everybody has payed.

Issue 3:

Somewhat smaller issue, but as you noticed it takes a lot of taps to get an overview of the shared payments requests. Maybe think of a way to have less taps to get to this overview.

[UPDATE 2020-07-07]

Tim noticed there is a circle tile now from within an account tile. This would solve some of the issues, but still doesn't give a grant overview of all outstanding payment requests over all accounts. And for now tapping this 'Total payment requests' circle the overviews on both tabs stays empty. Seems like the functionality is broken at the moment or I expect something different :)

I hope this can be improved in a future release as I think it would benefit everyone to be able to track down open shared payment requests to others.

Cheers

Tim

Hi 👋 @Co-Blue-Swan-3843917288#185445

A feature like this was introduced 2 updates ago. You can find it under Me > Tap an account > Tap the left ring. It will show the amount of open requests, and after opening this you can also view paid requests in a second tab.

Co-Blue-Swan-3843917288

@Tim#185455 Wow, this is just great..thank you for noticing.

I just tried it and for me it doesn't show anything in both colums inside the total payment requests ring.

What I did:
- Create a shared request via a link where the payment goes to account X
- In the Me tab > tap account X > Tap left ring
- In column 'In afwachting' or 'Ontvangen' nothing shows while I just created the shared request (which isn't payed yet)
- It also doesn't show the already - still open - shared payment requests for account X where I've received payments on.

Feels like this is a new bug where the funtionality is broken.

Do you experience the same @Tim or @pbruins84 ?

Next to this great new feature, it remains that there is no big overview of all open payment requests from all accounts. With 25 accounts it takes quite some effort to tap inside each of the account to see if the shared payment request is payed and can be manually closed.

Tim

@Co-Blue-Swan-3843917288#185460

It seems the feature works different then I expected. It only works if you Request to another bunq user, at least not by using the 'share link' functionality. Could be because they don't know how many people are going to pay thus not knowing the total amount requested.

Co-Blue-Swan-3843917288

@Tim#185488 Thank you for testing!

I understand that with a shared link request you don't know the total amount or payments although it would fit in between the two tabs from the circle 'Total payment requests'.
But then again I think (at least here in Holland) this is the most used feature of each bankapp (like Tikkie, ING). Not having these shared link requests wel organized is really inconvenient and I'm already starting to create these at my old bank again (ING) where they have a very well organised process for this. But I really want to do this from inside the bunq app of course :)

It would be great to have more people to use bunq so I could make use of this circle 'Total payment requests' overview, but then again reality is that most of the time you share a link with somebody you don't know which bank he/she has. For almost all of my shared link requests this is the use case.

How can we make bunq more aware of this?

pbruins84

@Co-Blue-Swan-3843917288#185493 Not only in Holland. I think it's the same in the rest of The Netherlands. But how do they show it an ING for example when you send a request to multiple people? How do they show the total amount? Do you have to enter the number of people?

Co-Blue-Swan-3843917288

You'll have an overview of all shared payment requests. When you tap a payment request you see the total amount of money came in for this payment request with the bank accounts where it came from.

Since with a shared payment request it is always unknown the number of people can pay via this link it is just a matter of summing up all incoming payments and there you have the total amount shown.

I maybe now understand that it gets more difficult if you want to create a payment request via a link and set somehow the total amount of money it should raise from specific bank accounts until it reaches this. Like with splitting a bill for example.

Is this the way bunq implemented this for bunq accounts? I cannot test it since I don't know who is using bunq from people around me.

For shared payment links to other banks I would say keep it simple:
- create a link for certain amount of money with fixed description
- in the overview you see how many times = how much money it raised
- you manually close it yourself (or after 30 days)
- optional to make a note or a amount you expect to raise with the link.

With this you could maybe integrate it in the current circle overview 'Open payment requests'.

Andreas-Turquoise-Akita

Regarding the last post. I more or less got the feeling that this is done with bunq slices. But perhaps I’m totally wrong here.

Co-Blue-Swan-3843917288

@Andreas-Turquoise-Akita#185582 Slices, never could use it since I don't have anyone using bunq that I know of. I thought this is used to keep track of who has paid what amount of money in a group of people who have bunq.

John-Violet-Tiger-1972864235

Ik heb geen bunq premium geactiveerd kunt u mij verwittegen via welke verbinding en datum tijdstip deze tot stand is gekomen want heb de indruk dat het fraude is gaarne zou ik dit van u vernemen en vraag uw medewerking in deze dit voor u ook erg van belang is conform regelement

Jakob-Y

@John-Violet-Tiger-1972864235#186504 Did you already had the chance to read through this? https://together.bunq.com/d/32580-why-am-i-switched-to-the-premium-subscription

New-Yellow-Puma-1712563648

C'est ma femme qui a mon compte sur sont portable la sommes qui me reste comment je fait pour voire aussi sur mon portable l application