DuitNow Payment
DuitNow payment is a Malaysia-native payment method that enables real-time, bank-linked transfers and QR payments through participating banks and e-wallets. For merchants and platforms selling in Malaysia, supporting DuitNow helps align checkout with local payment behavior while keeping payment confirmation fast and reconciliation structured.
Type:
Wallet
Consumer
countries:
countries:
Malaysia
Currencies:
MYR
Why offering DuitNow in your payment gateway?
DuitNow is not a “nice-to-have” in Malaysia, it’s part of the country’s core digital payments infrastructure. If you operate in Malaysia (or plan to), enabling DuitNow improves local acceptance and reduces dependency on card-only routing, especially for mobile-first users and QR-led checkout journeys.
A faster checkout experience for Malaysian customers
DuitNow reduces checkout friction by using familiar local payment flows (bank apps and e-wallet apps) rather than requiring card entry.
One QR acceptance layer across participating banks and wallet
For merchants, DuitNow QR acts as an interoperable layer: customers can pay using participating banks and e-wallets through the same QR standard.
Lower costs, higher approval rates
Because DuitNow leverages bank/e-wallet rails rather than international card networks, it typically supports strong local trust and high completion for Malaysia-based customers.
Scalable payment option for APAC growth markets
DuitNow is also aligned with the region’s direction of travel: interoperable QR and real-time payment linkages across APAC. PayNet’s cross-border QR capability already enables payments via supported QR networks in Indonesia, Thailand, and Singapore, and PayNet’s technical documentation lists additional supported inbound regions for cross-border QR.
A faster checkout experience for Malaysian customers
DuitNow reduces checkout friction by using familiar local payment flows (bank apps and e-wallet apps) rather than requiring card entry.
One QR acceptance layer across participating banks and wallet
For merchants, DuitNow QR acts as an interoperable layer: customers can pay using participating banks and e-wallets through the same QR standard.
Lower costs, higher approval rates
Because DuitNow leverages bank/e-wallet rails rather than international card networks, it typically supports strong local trust and high completion for Malaysia-based customers.
Scalable payment option for APAC growth markets
DuitNow is also aligned with the region’s direction of travel: interoperable QR and real-time payment linkages across APAC. PayNet’s cross-border QR capability already enables payments via supported QR networks in Indonesia, Thailand, and Singapore, and PayNet’s technical documentation lists additional supported inbound regions for cross-border QR.
2.0M+
DuitNow QR merchants registered in Malaysia by 2023 (over 6× growth since 2019)
360M+
DuitNow QR transactions, worth RM14.6B in 2023
31.1 billion
total DuitNow QR transaction value in 2024
Features & specifications of DuitNow payment method
Payment type:
Wallet
Coverage:
Consumer:
Malaysia
Merchant:
Global
Currencies:
Consumer:
MYR
Settlement:
Preferred currency
Payment flow
1
Customer selects DuitNow at checkout (often presented as DuitNow QR or DuitNow payment).
2
Customer authorises the payment using a participating bank app or supported wallet app (scan QR or confirm within the payment experience).
3
Payment confirmation is returned to the checkout after authorisation.
4
Merchant receives a success/fail status and proceeds with fulfilment (or triggers retry / alternative method if failed).
5
Finance teams reconcile using the payment reference and transaction reporting provided by their PSP/acquirer and local rails.
See how DuitNow payment gateway works
A DuitNow payment gateway connects your checkout to Malaysia’s DuitNow network so customers can pay using supported banking or wallet apps under a single local standard, while your business receives a consistent payment status and reference data for reconciliation without needing separate integrations for each participating provider.
Frequently Asked Questions
Is DuitNow safe for online transactions?
DuitNow payments are executed within regulated bank and wallet environments, using the authentication and risk controls of those institutions. For merchants, the practical advantage is a familiar local flow and strong user trust, reinforced by large-scale adoption in Malaysia’s national QR network.
What’s the difference between DuitNow transfer and other bank transfers (e.g., IBG)?
DuitNow Transfer is typically positioned as a faster, proxy-based transfer experience (e.g., using an identifier instead of sharing full bank account details), while traditional interbank GIRO-style transfers generally follow classic clearing cycles and different cut-off rules. (Exact timelines and rules vary by participant bank and channel.)
How can a business set up DuitNow for payments in Malaysia?
Businesses generally onboard through their bank, acquiring partner or a payment orchestrator such as Limepay to enable DuitNow QR acceptance and connect multiple local payment methods from a single integration. This allows merchants to deploy QR payments at checkout, online and/or offline, while building a more scalable payment infrastructure for regional growth.
What banks and e-wallets support DuitNow QR?
DuitNow QR is designed to work across participating banks and e-wallets under the PayNet scheme. Because participant lists can change, the safest approach is to reference PayNet’s official DuitNow QR business page rather than hard-coding a list that can become outdated.
Does DuitNow support cross-border payments (e.g., Singapore, Indonesia)?
Yes. PayNet’s official cross-border QR information states Malaysians can pay by scanning QR codes in Indonesia, Thailand, and Singapore using supported banking/e-wallet apps.
How to integrate DuitNow with your payment gateway?
At a high level, integration requires: Enabling DuitNow for Malaysia routing Implementing the customer authorisation step (redirect/QR experience) Consuming payment status updates for order confirmation Ensuring reconciliation support (references, reporting, settlement matching).
Other related Payment Methods:
Grab Pay
Grab Pay is a digital payment platform used in Southeast Asia, allowing users to make secure and fast payments both in physical stores and online via the Grab app.
See Grab Pay Payment Method
Touch 'n Go
Touch 'n Go is a digital payment system in Malaysia that allows for fast and secure transactions both online and at physical points of sale, using an electronic wallet linked to the user's bank account.
See Touch´n´Go Payment Method
Boost
Boost is a Malaysian digital wallet that enables real-time mobile payments via QR codes and in-app checkout, allowing merchants to accept secure transactions and access a broad base of active local users.
See Boost Payment Method