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...DuitNow QRIntroductionOverview

DuitNow QR

Merchant-Presented QR

When a customer wants to make a payment, the merchant provides a QR code, either generated statically or dynamically, to be scanned by said customer. Then, the customer is able to scan the code on their chosen mobile banking or e-payment application and key in the required amount. Finally, the application notifies the customer that the transaction is successful.

Domestic QR

Merchant displays QR either in static or dynamic mode to enable customer to scan the QR.

Cross Border Outbound QR

DuitNow Outbound Cross-Border QR enables Malaysians abroad to make payments via their mobile banking or e-payment application by scanning the merchants' QR code.

Cross Border Inbound QR

The Inward Cross-Border QR enables customers with a foreign Bank Account to make payments via their chosen mobile banking appilication by scanning the QR code generated by local merchants in Malaysia.


Domestic QR is for​

Issuer

Originating Financial Institution [OFI]

Acquirer

Receiving Financial Institution [RFI]


Cross Border Outbound QR is for​

Issuer

Originating Financial Institution [OFI]

Acquirer

Receiving Financial Institution [RFI]


Cross Border Inbound QR is for​

Issuer

Originating Financial Institution [OFI]

Acquirer

Receiving Financial Institution [RFI]





Consumer-Presented QR

DuitNow Consumer-Presented QR Codes in a retail payment system allow consumers to make payments by generating a QR Code from their mobile app. The QR Code, containing the necessary payment credentials, is scanned by the merchant at the point of sale to complete the transaction. These transactions are processed online and are widely used for seamless and secure payments.

Consumer-Presented QR (Domestic)

A Consumer-Presented QR Code transaction allows consumers to display a QR Code from their app, which is scanned at the point of interaction to complete a domestic purchase.


Consumer-Presented QR (Domestic) is for​

Issuer

Originating Financial Institution [OFI]

Acquirer

Receiving Financial Institution [RFI]