E-wallet cashless payment using DuitNow QR linked with Visa / Mastercard Prepaid Card
Pay at millions of Visa / Mastercard accepted outlets worldwide and DuitNow nationwide
It is Malaysia’s National QR Code, governed by PAYNET or Payments Network Sdn Bhd which allows you to send and receive funds instantly nationwide
Pay to any merchants in Malaysia. Each merchant only displays 1 QR code at the payment counter
Just log onto YippiePAY App and scan DuitNow QR Code and pay.
Real-time transaction notifications and history on App
Your payment is secure and data is protected
Enjoy a variety of features in our YippiePAY App
Top up from all major banks in Malaysia via FPX
Make a wallet-to-wallet request
Access to App or website portal on your laptop or tablet
Use Visa / Mastercard Prepaid Cards with YippiePAY App to manage spending
Use Prepaid Card at over millions of Visa / Mastercard accepted outlets worldwide
Use Card also out of Malaysia and in foreign online marketplaces or gateways (e.g. PayPal, Stripe)
Contactless payment for RM 250 and below with Mastercard PayPass and Visa payWave
Insert Card with PIN number for transaction above RM250
Use the Prepaid Card as part of an Allowance, Reward Program or Gift Card for your employees
Do not worry even if Card is lost. Just freeze card in App
Spend what is in your Prepaid Card
Make your Card your emergency payment channel when out of hard cash
Keep track of their spending in your YippiePAY App while topping up when funds are low
Your parents can use this Card for grocery shopping or dining. While they spend, you can top up their Card.
Provide your loved ones emergency funds while on a vacation overseas
Disburse salary electronically to your employees instead of messy, hard cash.
Keep track of their spending in your YippiePAY App while topping up when funds are low
Your parents can use this Card for grocery shopping or dining. While they spend, you can top up their Card.
Provide your loved ones emergency funds while on a vacation overseas
Disburse salary electronically to your employees instead of messy, hard cash.
Keep track of their spending in your YippiePAY App while topping up when funds are low
Your parents can use this Card for grocery shopping or dining. While they spend, you can top up their Card.
Provide your loved ones emergency funds while on a vacation overseas
Disburse salary electronically to your employees instead of messy, hard cash.
RM
28
(per month)
RM
2.50
RM
10
FPX
RM
0.70
CIMB ATM / CDM
RM
1
CIMB Clicks
RM
0.50
Finexus Cards’ Reload Agent / e-Pay
RM
2
Visa / Mastercard ATM (per transaction)
RM
1
Visa / Mastercard ATM (per transaction)
RM
10
The foreign exchange conversion rate determined by Visa or Mastercard respectively + 1% on transaction amount
(per copy)
RM
15
(per monthly statement)
RM
5
FREE
Fees determined by BNM-approved remittance service providers in Malaysia
at Foreign ATMs
RM
1
Other Channels
FREE
You can upgrade the wallet on our YippiePAY App or online web portal.
Just complete the KYC process and snap a photo of your MyKad (for Malaysians) or Passport (for foreigners).
An E-wallet is an online account used to store digital money. This account is linked to Virtual Prepaid Card(s) and/or Physical Prepaid Card(s).
For every payment, you can choose either to use your Visa Prepaid Card or Mastercard Prepaid Card.
Whichever Card you use, you will draw from your E-wallet account.
A Virtual Prepaid Card (No Physical Card) and Physical Prepaid Card have similar functions.
You can use a Virtual Prepaid Card for:
You can use a Physical Prepaid Card for:
ATM cash withdrawals
You can only spend the funds loaded into your account.
It works just like your prepaid mobile account. That is, you must top up mobile credits before you can use any mobile data.
Login Password
You can apply through our YippiePAY App or online portal.
So sorry, we do not provide supplementary cards for these Prepaid Cards.
Our Prepaid Card is issued with Visa / Mastercard branding. This means you can:
We keep your funds in your E-wallet account with us
Here are our requirements for our YippiePAY E-wallet:
So sorry, we may have to reject your application.
There is no limit to the number of Prepaid Cards you can have.
There are 2 types of E-wallet Accounts issued by us:
1. BASIC E-wallet Account
2. STANDARD E-wallet Account
1. When you first sign up for our E-wallet Account by providing the requirement information and is not blacklisted by any regulatory authority.
2. You can use the wallet for your retail payment in Malaysia.
1. You can upgrade to STANDARD E-Wallet Account by providing the required ID document and pass the KYC approval process.
Such approval is at our sole and absolute discretion and we may reject your request without assigning any reason.
With STANDARD Wallet, you can enjoy the wallet limit up to RM10,000 and the services we extended to you via our app and the Web Portal.
The maximum allowable fund limit is depending on the Wallet type.
Your Physical Prepaid Card will be delivered to your registered Malaysian Mailing address within 14 business days from the day of approval.
First, set up your 6-Digits CARD PIN on the YippiePAY App or the YippiePAY Online Portal.
Second, reload your Prepaid Cards using our YippiePAY App or Online Portal.
Third, before your first transaction for Physical Prepaid Card, we do recommend you to sign at the back panel of your Card.
Yes, it is printed on your Card.
Just maintain a certain balance in your Card.
If your E-wallet have zero balance for 3 consecutive months, your E-wallet will be automatically terminated.
A mobile number will enable you to obtain your One-Time-Password (OTP) via Short Messaging Service (SMS).
Yes, so we can correspond with you in a timely manner.
You may manage your card usage from YippiePAY app or Online Portal.
Check in your YippiePAY App or online portal
Check your transaction history on your YippiePAY App or online portal for up to past 6 months.
Yes, just call us to request a hardcopy statement from us for up to 7 years. We will deduct the statement fees from your E-wallet.
Like a mobile Prepaid Card, you must first load funds before you can use your Prepaid Cards.
This depends on your Plan, whether it is BASIC or STANDARD
Subject to a total Wallet Account limit of *RM10,000.00, you can reload at the following channels:
Note: ^For FPX: You must have a bank account and its online access facility with any one of the banks listed at this link: https://paynet.my/fpx/banks-tpa.html.
#For CIMB Clicks and ATMs: you must have a bank account at CIMB and/or with their online banking access.
Reload fees is RM1 per successful transaction
Reload fee is RM1 per successful transaction
You will be charged RM2 for every successful transaction.
If the ATM did not dispense any money but the amount was deducted from your Wallet Account, please contact our Call Centre at +603 8318 3100.
It would be helpful if you could include a picture of the Receipt in your submission for report/request to our Call Centre for further action.
Please keep the original receipt(s) as this will help us with our investigation.
Some of the common reasons for a cash withdrawal to be declined are:
Yes, do indicate on whether you agree to:
To provide consent, you can either:
Once we have updated your consent in our records, you can use the Card to:
Yes, there are.
Some merchants will ‘hold’ your funds for a short time such as refundable deposit.
This withheld amount will be unavailable until the merchant release it.
Hence, do ensure that you have enough funds in your Prepaid Card before the following transactions:
It would take three days before the unused funds is returned to you.
To avoid this, simply just pay the exact amount at the cashier’s counter
Hotels
Do check with your hotels on how much deposit they are taking upon your check in with a payment card.
This deposit will be put on hold and is unavailable for your usage.
Your funds are usually released after check out.
However, sometimes it could take a few days
Make sure you have enough funds before the scheduled payment date.
If you intend to make a large purchase, do let us know beforehand by calling or emailing us to prevent any inconvenience.
You may have insufficient funds in your Wallet to pay
When you perform a Card-Not-Present transaction and/or Overseas Transaction, there is a risk for your account data to be compromised or your information to be used for unauthorized purchases and/or cash withdrawals. Kindly keep in mind that in the case of Overseas Transactions, the card verification features for POS transactions may vary from country to country, whereby some countries/merchants may not adopt a stringent approach. Fraudulent transactions may occur if your account data is compromised.
Protect your Card, Card Number, PIN, and Password from misuse and fraud
No, any government-related tax is not applicable for a Prepaid Card.
It is a feature that allows you to tap your card on a secure contactless Card Reader.
Just tap your Prepaid Card on a Card Reader and go
Look out for this symbol on your Prepaid Card:
Look out for this symbol on the Card Reader (or Payment Device):
Just hold your contactless Card within 4 centimeters from the Card Reader
In Malaysia, you can use your Contactless Card for purchase up to RM250 per transaction.
Your merchant will prompt you to use the Insert Card and Enter PIN method instead.
No, Contactless Cards are designed to accept only one transaction per Card, at any time
No, contactless Card is designed to ensure that the Cardholder is always in control.
The contactless payment platform is designed based on secure EMV chip technology.
A PIN is a Personal Identification Number
Tighter security as only you know your PIN to approve transactions
You can setup your 6-digit PIN for your Prepaid Cards on your YippiePAY App or online portal
No, you do not need to confirm these purchases with a signature
You will have 3 consecutive attempts to correctly enter the PIN
You can reset your PIN in YippiePAY app and online portal
Yes, you can change your PIN in YippiePAY app and online portal
You need a PIN to authorize a purchase at a point-of-sales terminal for Chip & PIN transactions
Your Card is embedded with an EMV Chip.
Before 1st of July 2017, retailers in Malaysia can still complete your transaction using signature.
Your retailer will prompt you to process your Card without prompting for PIN
Yes, but please note PIN requirements vary between countries.
Yes, you can by:
Our Card supports either with Verified by Visa (VbV) or Mastercard SecureCode services.
It is a numeric code that is only valid for a single transaction when you perform online payment transaction.
OTP is an online authentication service when conducting Internet purchase
3D Secure is a service facilitated by Visa or Mastercard for secure online transaction.
It simplifies online shopping because you no longer need to memorise an online PIN.
Make sure your latest mobile phone number and email address are registered with us
No charges will be incurred for this service.
Provide us your mobile number when signing up with us. If you do not have a mobile number registered in Malaysia, you will need to register your email address instead.
Request for another OTP by clicking Resend One Time Pin.
A pop-up will appear to inform you that your Prepaid Card has been blocked.
You will see your registered mobile number or email on our authentication page
Yes, we will send an OTP to your new mobile number or email once it is successfully updated.
We would need you to:
For E-wallet closure, additionally, we would need your bank account details and supporting documents. So, we could transfer the balance funds from your E-wallet to your bank account
For Malaysia Citizen or Resident
For Non-citizen and Non-resident
You can:
No, we will only deliver your Physical Prepaid Card to the latest registered Malaysia mailing address you provided.
Use your YippiePAY App or Online Portal
We will notify you of your Prepaid Cards’ approaching expiry date.
Upon expiration, we will auto renew your Virtual Prepaid Card(s).
You need to reapply for a new Physical Prepaid Card using the YippiePAY app or online portal. And we will deduct the Card Renewal fees from your E-wallet.
Your new card will have the same number but different CVV2 and expiry date
Your expired Prepaid Card will not affect your balance funds. This is because your funds are kept in your E-wallet account and not your Prepaid Cards.
We will deliver it to your registered Malaysian mailing address.
We will accumulate your outstanding Monthly Fees only but the other fees will not be accumulated. When your E-wallet is reloaded, we will immediately deduct the outstanding Monthly Fees from your E-wallet.
There are two bodies for you to make an appeal:
Ombudsman for Financial Services (formerly known as Financial Mediation Bureau) – an independent body set up to help settle disputes between financial service providers who are its member and the public. Call Ombudsman for Financial Services at 03-2272 2811; or
E-mail to [email protected]
Ombudsman Financial Services
Menara Takaful Malaysia
No.4, Jalan Sultan Sulaiman
50000 Kuala Lumpur
Fax : 03-2272 1577
Website : http://www.ofs.org.my
EMAIL US AT [email protected]