{"id":3416,"date":"2025-07-31T12:30:29","date_gmt":"2025-07-31T04:30:29","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3416"},"modified":"2025-07-31T12:30:29","modified_gmt":"2025-07-31T04:30:29","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%ba%ba%e6%97%a5%e5%b8%b8%e6%9c%80%e5%b8%b8%e7%94%a8%e7%9a%84%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/07\/31\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%ba%ba%e6%97%a5%e5%b8%b8%e6%9c%80%e5%b8%b8%e7%94%a8%e7%9a%84%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f\/","title":{"rendered":"What are the most common payment tools used by Malaysians on a daily basis?"},"content":{"rendered":"<p>In Malaysia, there are a variety of daily payment tools and their popularity is high, here are some of the most commonly used methods:<\/p>\n<h3>1. <strong>Cash<\/strong><\/h3>\n<ul>\n<li><strong>Usage Scenarios<\/strong>: Traditional markets, vendors, some taxis, etc. are still cash-based.<\/li>\n<li><strong>specificities<\/strong>:: Despite the rapid growth of electronic payments, cash remains dominant in small transactions and in rural areas.<\/li>\n<\/ul>\n<h3>2. <strong>Bank Cards (Debit\/Credit Cards)<\/strong><\/h3>\n<ul>\n<li><strong>major brand<\/strong>: Visa, Mastercard, cards issued by local banks (e.g. Maybank, CIMB).<\/li>\n<li><strong>Usage Scenarios<\/strong>: malls, supermarkets, online shopping, etc.<\/li>\n<li><strong>specificities<\/strong>: Contact and contactless payments (PayWave\/PayPass) are widely supported.<\/li>\n<\/ul>\n<h3>3. <strong>Electronic Wallets (E-Wallets)<\/strong><\/h3>\n<p>E-wallets are very popular in Malaysia and the following are the mainstream options:<\/p>\n<h4>a) <em>Touch 'n Go eWallet<\/em><\/h4>\n<pre><code>  - Affiliated services: Tied to the transport card Touch 'n Go Card.<br>\r\n  - Functions: parking fees, motorway tolls (RFID), retail payments, etc.<br>\r\n<\/code><\/pre>\n<h4>b) <em>GrabPay<\/em> (affiliated with Grab)<\/h4>\n<pre><code>  - Strengths: Integrated taxi\/takeaway service covering multiple countries in Southeast Asia.<br>\r\n<\/code><\/pre>\n<h4>c) <em>Boost<\/em><\/h4>\n<pre><code>  - Features: local brands, support for code payment and coupon rebates.<br>\r\n<\/code><\/pre>\n<h4>d) <em>ShopeePay<\/em> (part of Shopee e-commerce)<\/h4>\n<pre><code>  - Scenario: Shopee platform shopping and offline merchants.<br>\r\n<\/code><\/pre>\n<h4>4. <em><strong>bank transfer<\/strong><\/em><\/h4>\n<ul>\n<li>DuitNow<br \/>\nInstant money transfer system promoted by Bank Negara Malaysia:<br \/>\nYou can transfer money by mobile phone number or ID number.<br \/>\nfree or low inter-bank charges.<br \/>\nFor inter-personal transfers or merchant collections.<\/li>\n<\/ul>\n<p>5.<strong>QR code payment<\/strong><\/p>\n<ul>\n<li>The PayNet QR standard harmonises QR code formats across platforms.<br \/>\nUsers can pay by scanning the same QR code with any supported app.<\/li>\n<\/ul>\n<p>6.<strong>Buy Now Pay Later (BNPL)<\/strong><br \/>\nAtome, Split, etc. are popular among the younger crowd.<\/p>\n<hr>\n<p>Notes.<br \/>\n1. There are obvious differences in preferences among different ethnic groups\/age groups (e.g. Chinese people mostly use WeChat Pay\/Alipay).<br \/>\n2 Government promotes cashless society but rural acceptance remains low<br \/>\n3 It is recommended that travellers install at least one local e-wallet and tie up international credit cards.<\/p>\n<p>Okay, here are further additions and practical suggestions on payment instruments in Malaysia:<\/p>\n<hr>\n<h3><strong>7. Use of international payment instruments in Malaysia<\/strong><\/h3>\n<ul>\n<li><strong>Alipay (Alipay) &amp; WeChat Pay (WeChat Pay)<\/strong>\n<ul>\n<li>It mainly covers shopping districts, duty-free shops or Chinese merchants frequented by Chinese tourists, and some local merchants are also supported.<\/li>\n<li><em>take note of<\/em>: Required to bind a Chinese bank card or use the \"Tour Pass\" function (short-term international version).<\/li>\n<\/ul>\n<\/li>\n<li><strong>Apple Pay \/ Google Pay<\/strong>\n<ul>\n<li>Gradually accepted by local banks (e.g. Maybank, AmBank), but with a lower penetration rate than e-wallets.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>8. Special scenario payment methods<\/strong><\/h3>\n<h4>a) <strong>Transport<\/strong><\/h4>\n<ul>\n<li><em>Touch 'n Go Card<\/em>: Not only e-wallets, but physical cards are still a must for public transport\/subway.<\/li>\n<li><em>KTM train, Rapid KL bus<\/em>: Some of them support direct credit card tapping into the station.<\/li>\n<\/ul>\n<h4>b) <strong>Cross-border payments<\/strong><\/h4>\n<ul>\n<li>BigPay (owned by AirAsia): tops up multi-currency accounts and is suitable for frequent travellers to and from Southeast Asia.<\/li>\n<\/ul>\n<hr>\n<h3><strong>9. Notes on fees and limits<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>payment method<\/th>\n<th>Typical Handling Fee<\/th>\n<th>Single\/Daily Limit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>DuitNow transfers<\/td>\n<td>Below RM0.50 (Free for some banks)<\/td>\n<td>RM5,000-RM50,000 range<\/td>\n<\/tr>\n<tr>\n<td>GrabPay top-up<\/td>\n<td>1% fee for credit card top-ups<\/td>\n<td>RM1,000-5,000\/day<\/td>\n<\/tr>\n<tr>\n<td>ShopeePay<\/td>\n<td>Free ATM bank transfers<\/td>\n<td>RM10,000\/month<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>10. Recommendations for safe use<\/strong><\/h3>\n<ol>\n<li>\ud83d\udd10 <strong>Verify payee information<\/strong>: Confirm that your mobile phone number or ID number is correct before transferring money from DuitNow.<\/li>\n<li>\ud83d\udcb3 <strong>Small split payments<\/strong>: Set a daily spending limit on your e-wallet to prevent skimming.<\/li>\n<li>\ud83d\udeab Be wary of scams:<\/li>\n<\/ol>\n<ul>\n<li>\"Posing as a government agency\" requesting payment through an unknown link<\/li>\n<li>\"Courier-to-pay scam\" requiring payment of customs duties by scanning code<\/li>\n<\/ul>\n<hr>\n<h3>\ud83d\udccc Hands-on tips for visitors:<\/h3>\n<p>\u2705 Must-have combo:<\/p>\n<pre><code class=\"language-markdown\">1\ufe0f\u20e3 Touch 'n Go eWallet + GrabPay (covers 90% scenarios)<br>\r\n2\ufe0f\u20e3 Visa\/Mastercard back-up (car hire, hotel deposit etc.)<br>\r\n3\ufe0f\u20e3 MYR cash around 200 (night market, remote areas)<br>\r\n<\/code><\/pre>\n<p>\u274c Avoid:<br \/>\n-Relies only on UnionPay: Although available at KLIA airport and large shopping centres, coverage is much lower than Visa\/Mastercard.<\/p>\n<p>For more specific scenario solutions (e.g., paying utility bills, online shopping tips), let me know what you need!<\/p>","protected":false},"excerpt":{"rendered":"<p>In Malaysia, there are a variety of daily payment tools and their popularity is high, the following are some of the most commonly used methods...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-3416","post","type-post","status-publish","format-standard","hentry","category-30"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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