The Services are made available by qBayar Sdn Bhd (“qBayar”) to you at its sole and absolute discretion and by using the Services upon Registration including but not limited to, purchasing any product and/or services on the App, you unconditionally: –

  1. acknowledge that you have read and fully understood these Terms and Conditions and agree to be bound by these Terms and Conditions;
  2. consent to qBayar using and processing your personal information and data in accordance with qBayar’s Privacy Policy which can be found at www.qbayar.com/pdpa

Any person that you allow to access the Service using your Account shall also be bound by these Terms and Conditions. If you do not accept these Terms and Conditions, please do not continue with the registration process or Activation or the use of this Service(s).


For the purpose of these Terms and Conditions, the following terms shall, unless the context otherwise requires, have the meanings as defined below. All other terms not defined herein shall have the meaning as may generally be accepted within the industry based on the context used herein:


means your electronic wallet account which is: link to the telephone number of your Mobile Device;

  1. link to the telephone number of your Mobile Device;
  2. managed and supervised by qBayar; and
  3. which records, amongst other things, the amount of Electronic Money which is available to you for use;

“Activation”or “Activated”

means the point in time when your Account is activated for use;


means software application named as “qBayar” or such other name as may be determined by qBayar from time to time which is downloaded unto the Mobile Device;

“Authentication”or “Authenticated” 

means a confirmation sent by you to qBayar authorising a particular transaction undertaken or transacted by you. Such authenticated shall be in a manner stipulated or determined by qBayar from time to time including but not limited to keying in your user ID and password or personal identification number (PIN);

“Available Balance”

means the funds in the form of Electronic Money which can be used at any given time subject to the Wallet Limit;

“qBayar” or “we” or “us” or “our”

means qBayar Sdn Bhd (Company No. 1278200-M);


means the topping up of the Electronic Money into your Account;

“Cash Withdrawal” 

means the withdrawal of Electronic Money from your Account;


has the meaning prescribed to it in Clause 8 hereunder;

“Daily Transaction Limit” 

means the limit imposed on relevant Transaction in any one (1) calendar day;

“Electronic Money”

means money in digital form provided by “qBayar”in exchange for monies paid to QBayar and which may utilized by you via the App to make Payment, to Cash Withdrawal, to do an Electronic Money Transfer and/or to undertake such other transactions which may be stipulated by QBayar from time to time;

“Electronic Money Transfer”

means the service which enables you to transfer Electronic Money from your Account to another user’s Account or to receive Electronic Money into your Account from another user’s Account;


means frequently asked questions as made available on http://www.qBayar.com;

“Force Majeure”

means any cause which is not within the control of qBayar including but not limited to act of God, flood, natural disaster, landslides, mudslides, soil erosions, storm, fire, earthquakes, war, riot, civil commotion, natural catastrophe, industrial disputes of any kind, act of government, government restraint, expropriation, change of law, strike, lockouts, blockade, outbreaks and pandemics and the interruption or failure of utility service including but not limited to electric, power, gas, water or telecommunication services;

“Intellectual Property Rights”

means rights in, and in relation to, any patents, registered designs, design rights, trademarks, trade and business names (including all goodwill associated with any trademark or trade business names), copyright and related rights, moral rights, databases, domain names, semi-conductor and other topography rights and utility models, and including the benefit of all registrations of, applications to register and the right to apply for registration of any of the foregoing items and all rights in the nature of any of the foregoing items, each for their full term (including any extensions or renewals thereof);

“Mobile Device”

means a portable and wireless telecommunications device together with accessories including but not limited to smartphones and handheld tablets used by you to access and/or use the Service;


means the payment to qBayar and/or Participating Merchants for the purchase of goods and services using Electronic Money by means of the App;

“Participating Merchant” 

means merchants designated by qBayar to sell goods and/or services in exchange for Electronic Money by means of the App;

“Refund Policy”

means the refund policy as set out in Clause 14 hereof or may be determined from time to time by qBayar with respect to the Services;


means a stored value service provided by qBayar via the App which enables you to perform the transactions set out in Clause 2.5;

“Terms and Conditions” or “Agreement”

means these terms and conditions for the Service as may be varied or modified from time to time at qBayar’s sole discretion;


means the transaction performed by you via the Service including: –

  1. Payment;
  2. Top-Up;
  3. Cash-Withdrawal;
  4. Electronic Wallet Transfer; and
  5. or any other service as may be introduced by qBayar from time to time;

“Wallet Limit”

means the maximum amount of funds that can be stored in your Account at any point in time depending on the type of your Account as approved by Bank Negara Malaysia

(Basic Wallet: RM 200.00 and Premier Wallet: RM 3,000.00).

We reserve the right to revise the Wallet Limit in accordance with any instructions/ regulations/ rules prescribed by Bank Negara Malaysia;

“You” or “Your” 

means the person who uses and/or accesses the Services;


means Know Your Customer process as determined by us from time to time;

“Password and PIN”

means the password used to log into the App and the PIN is used to authorize payment above user-defined transaction limit from the wallet.

Use of Service
Wallet Type, Wallet Limit and Functionality

Basic Wallet

Premier Wallet

Your Responsibility
The Rights of QBayar
Processing Your Instructions
Intellectual Property Rights
qBayar’s Liability and Liability for service
Exclusion of Liability
Disputed Transactions
Termination and Suspension
Refund Policy
Force Majeure