DuitNow QR | Customer

DuitNow QR

An interoperable QR standard that allows Malaysians to make payments and receive funds from any participating Bank and eWallet with just one QR code.

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How To Pay With DuitNow QR

01

Launch

Launch your preferred Mobile Banking or eWallet app.

02

Scan

Scan merchant's DuitNow QR.

03

Pay

Confirm payment details and pay.

04

Confirmation

Receive payment confirmation.

How to transfer with DuitNow QR

01

Launch

Launch your preferred Mobile Banking or eWallet app.

02

Scan

Scan sender's DuitNow QR.

03

Pay

Confirm payment details and pay.

04

Confirmation

Receive payment confirmation.

Find out How to Generate DuitNow QR Code

Alliance Bank | AmBank | Hong Leong Bank | HSBC | Maybank | OCBC | Public Bank | UOB

Where to DuitNow QR

Available Banks and eWallets

Frequently Asked Questions

What is DuitNow QR?

DuitNow QR is Malaysia's National QR Standard established by PayNet under the Bank Negara Malaysia's Interoperable Credit Transfer Framework (ICTF).

How does DuitNow QR differ from the existing QR payments offered by Banks and e-Wallet providers?

DuitNow QR allows interoperability between all participating Banks and e-Wallets.

How does DuitNow QR benefit consumers?

Through DuitNow QR, consumers can make payment from any participating Banks or e-Wallets mobile apps. Merchants would only need to display one QR Code, thus lessening confusion amongst consumers.

Is DuitNow QR free?

It is absolutely FREE for consumers.

Where will I find the DuitNow QR?

The DuitNow QR will be displayed at merchant's payment counters.

Do I need to register to use DuitNow QR?

No registration is required. All you need to have is a participating Bank's Mobile Banking app or e-Wallet app to scan the DuitNow QR to pay.

Is there a limit to the amount that I can pay with DuitNow QR?

Consumer may pay up to RM 50,000 per transaction. Businesses may pay up to RM 10,000,000 per transaction at banks. The limit vary depending on your bank. eMoney providers will have lower limits.

Dispute or Request for Refund

How do I dispute or request for a refund if a Merchant did not deliver the goods, services or cash withdrawals as advertised by the Merchant for which the DuitNow QR payment was made for?

You may contact Merchant to initiate a dispute. If you are unable to reach a satisfactory resolution with the Merchant, you may contact your Bank or eWallet via any available channels provided by your Bank or eWallet either verbally or in writing, via Customer Careline, email etc. to raise a dispute or request for a refund.

Do I still need to contact the Merchant and/or any other parties to investigate my dispute or request for a refund once I have done so with my Bank or eWallet?

No, your bank or eWallet will be the single point of contact of your claim until it is resolved to your satisfaction.

Is there a time limit for which I can dispute or request for a refund?

For your Bank or eWallet to effectively investigate and resolve your claim, you are recommended to contact your Bank or eWallet within sixty (60) calendar days from the date of the DuitNow QR payment was made.

What evidence do I need to provide to my Bank or eWallet when I dispute or request for a refund?

Generally, you are required to provide details of the DuitNow QR payment made such as date, time, amount and receipt or reference number of the payment. Additionally, you may also be asked to provide details of the Merchant such as store name, location, reason for the dispute or request for refund and/or and any other information as deemed necessary by your Bank or eWallet to substantiate the claim.

I have raised the dispute or request for a refund via my Bank or eWallet's channel. What should I do now?

You will receive an acknowledgement of receipt within one (1) Business Day. Your Bank or eWallet will also inform you of the resolution time frame and provide an escalation path if the issue is not resolved within the committed time.

My Bank or eWallet has not reverted on my claim. How long do I have to wait?

Generally, fourteen (14) calendar days from the date of the DuitNow QR payment is allowed to resolve your claim, subject to the course of the investigation. If a longer period of time is needed, your Bank or eWallet will notify you of the next course of action.

My request for refund is successful. How will my Bank or eWallet provide my money back?

Generally, your Bank or eWallet will return the refunded money to your existing DuitNow QR debiting account, provided the account is still valid and active.

I was not able to get my full DuitNow QR payment refunded. Is this possible?

Yes, this is due to your Bank or eWallet was only able to partially recover the disputed amount. This may happen in circumstances such as returning one damaged item from purchase of multiple items.

DuitNow QR Transaction Fees

Will the public or individual customer be charged any transaction fees when making QR payments?

No. Transaction fees will not be charged on individual customers. Customers who encounter such a situation are advised to lodge a complaint with

  1. the merchant acquirer. The merchant acquirer’s company name or logo should be displayed along with the QR code at the merchant’s point-of-sale (either physical or online stores); or
  2. their respective e-wallet service provider (bank or non-bank issuer)

(Note: Acquirers are banks or non-bank financial service providers that onboard merchants to enable them to accept electronic payments for the sale of goods and services to their customers.)

Will products or services purchased using QR payments cost more than cash or other electronic payments (e-payments)?

No. Individual customers who make payments using DuitNow QR should not be paying any additional fees or charges. Products and services bought with QR payments should cost the same as paying with any other modes of payments including cash, credit cards, and debit cards.

What is MDR, who charges and pays for it?

Merchant Discount Rate, or MDR, is a common fee associated with the provision of electronic payment services.

MDR is charged on merchants, not customers. It is typically charged based on a percentage of price paid by customers to the merchant. A merchant would receive the payment made by their customers after deducting the MDR. This is similar to card-based payments that also incur MDR.

Why must MDR be charged?

MDR is intended to cover costs that the merchant acquirers and PayNet incur to upkeep the payment systems and to maintain high service reliability and robust security standards for users.

These costs are therefore critical to ensure businesses and individuals continue to have confidence in using payment services on a daily basis.

For smaller businesses, a majority of DuitNow QR merchant acquirers announced that they will continue to waive MDR for smaller businesses. PayNet has set aside resources to reimburse acquirers that continue to offer this full waiver for micro and small merchants who uses DuitNow QR payments.