Here’s some common questions answered

Here’s some common questions answered

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FAQ – Getting Started

qBayar is an application that provides e-money services. It is a convenient way for users to make payments via smart phone at participating merchants within Malaysia.
All Malaysians aged 12 and above are eligible to register as qBayar app user. Non-Malaysians are not eligible to register as a user. However, exceptions are given if the individual is able to provide proof of local residence address, work/study permit that enables the individual to stay in the country.
Users can use the app for the following:
  • i. Pay for products and services by using the ‘Scan & Pay’ function on QR code placed at any participating merchants.
  • ii. Withdraw money from the e-wallet and transfer back into own bank account. (Only allowed for Premium Account Holder)
To register as a qBayar user, please follow the steps below:
  • Step 1: Go to the Play Store (for Android) or the App Store (for iOS)
  • Step 2: Download the ‘qBayar’ app
  • Step 3: Register for an account (with Full name, Email Address, Mobile Number and Password)
  • Step 4: Click on the ‘Finish’ button and key in the One-Time-Password (OTP) that was sent via SMS to the given mobile number within 3 minutes. Request for new OTP (if not received) after 60 seconds up to maximum 3 times
  • Step 5: Once OTP is successfully verified, User will be registered as qBayar (Basic User), with wallet limit capped at RM200 and daily transaction limit of RM1,200
A Premium qBayar user is required to furnish the profile with their personal particulars. Please follow the steps below:
  • Step 1: Login into qBayar app with registered mobile number or email address
  • Step 2: Complete the profile to enable the user to be upgraded as a Premium User (User is required to upload a CLEAR picture of NRIC or Passport for verification purposes)
  • Step 3: The wallet limit balance of a Premium User will remain at RM200. However, the user can now register to be a qBayar Merchant and withdraw money from the e-wallet and transfer to own current or savings bank account
No fee will be charged to the users except for withdrawal. If you plan to withdraw the money from your e-wallet account to your registered bank account, a fee of RM1 per withdrawal will be charged for each successful transaction.
Currently, the transactions are restricted to Malaysian Ringgit only

FAQ – Managing your e-Wallet

A user can reload the e-wallet balance by following the steps below:
  • Step 1:   Click on ‘Manage’ and then select the ‘Top Up’ button on the Home screen
  • Step 2:   Input the top up amount
  • Step 3:   Select the payment by FPX and the preferred bank (drop down box)
  • Step 4:   User will be redirected to the FPX site and the balance will be updated if the reload is successful
The minimum reload amount is RM10. The maximum reload amount must not exceed the wallet limit of RM200.
The e-wallet can be used to make payments at the participating merchants. Please follow these steps below:
  • Step 1:   Click on the “Scan & Pay” icon on the Home page
  • Step 2:   Scan the QR code displayed at the POS terminal
  • Step 3:   The payment details will be displayed on the user’s smart phone
  • Step 4:   Click on the “PAY” button to make the payment
  • Step 5:   The status of the transaction, i.e. successful or unsuccessful will be prompted on the user’s smart phone
A user can click on ‘History’ to view transaction history such as Top up, Payment and Void Payment.
If there is a continuous usage of the e-wallet, the balance will not expire. However, if the account remains inactive for more than 12 months from the date of the last transaction, the balance will be classified as ‘UNCLAIMED’ monies.
There is no Peer-To-Peer (P2P) transfer option at this moment.
Please refer table below:
Basic User Premium User
No withdrawal is allowed Withdrawal is allowed on  a daily transaction limit of RM1,200 per day
Registration for Personal Merchant account is not available Registration for Personal Merchant account is available

FAQ – Security

qBayar uses Global Standard Security for all its functions. This includes:
  • i. SSL certificate to ensure information flow is encrypted between customer devices and qBayar server
  • ii. Two-factor authentication to protect against unauthorized transaction (such OTP)
A user can update their mobile number in the app. However, the mobile number must be active to facilitate OTP for authentication purposes. Follow the steps below:
  • Step 1:  Click on the ‘More’ button and select ‘Security’
  • Step 2: Under Identity and Security, click “Change Phone No.”
  • Step 3: Insert ‘New Phone Number’ and Password and click ‘Next’
  • Step 4: An OTP will be sent to registered email and phone number
  • Step5:  Once the OTP is entered, a pop out message ‘Phone number changed successfully’ will appear.
A user can regain access to the e-wallet by following the steps below:
  • Step 1:   At the login screen, click "Forgot Password".
  • Step 2:  The system will prompt the user to insert Mobile Number and Password.
  • Step 3:  An OTP will be sent to the user via SMS.
  • Step 4:  Message ‘Reset Password Successful. Please login with your new password’ will appear once the OTP is entered.
Users can change their password through the app. This feature requires the user to remember their existing password. Follow the steps below:
  • Step 1:  Click on the ‘More’ button and select ‘Security’
  • Step 2:  Under Identity and Security, click ‘Change Password’
  • Step 3:  Insert Old Password and New Password and click ‘Next’
  • Step 4:  Message ‘Password Changed Successfully’ will pop out and an email notification will be sent to registered email.
The app requires the user to have an active mobile number and an email address. This is necessary to enable for the system to perform an authentication process when required. Users can update the email registered to qBayar in the app. Follow the steps below:
  • Step 1:  Click on the ‘More’ button and select ‘Security’
  • Step 2:  Under Identity and Security, click “Change Email”
  • Step 3:  Insert ‘New Email’ and Password and click ‘Next’
  • Step 4:  An OTP will be sent to the old email and phone number
  • Step 5:  Once the OTP is entered, a pop out message ‘E-mail changed successfully’ will appear and an email notification will be sent to the user’s new registered email
Daily transaction limit is set to a maximum of RM 1,200 per customer per day. Any transaction above RM1,200 will be blocked by qBayar.
Yes. User-defined transaction amount can be set at any amount, e.g. if the user set the amount at RM50, transaction above RM50 will require a 6-digit PIN for approval. Please follow steps below:
  • Step 1:   Click on the ‘More’ button on the Home screen and select ‘Set Transaction Limit’
  • Step 2:   Key in the limit amount and set 6-Digit PIN for authorisation
A user can reset the Transaction Limit PIN in the app. The steps are as below:
  • Step 1:  Go to ‘More’ page and select ‘Security’
  • Step 2:  Under PIN, click “Reset Transaction Limit PIN”
  • Step 3:  Insert registered email and click ‘Next’
  • Step 4:  An OTP will be sent to registered email. Once entered, user will beprompted to enter new PIN
A user can change the Transaction Limit PIN by using their existing PIN. The steps are as below:
  • Step 1:  Click on the ‘More’ button and select ‘Security’
  • Step 2:  Under PIN, click “Change Transaction Limit PIN”
  • Step 3:  Enter existing PIN and click ‘Next’
  • Step 4:  User will be prompted to enter new PIN
Yes. The transaction limit amount can be increased or decreased. The steps are as below:
  • Step 1: User to go to ‘More’ page and select ‘Security’
  • Step 2: Under PIN, click “Change Transaction Limit PIN”
  • Step 3: Enter existing PIN and click ‘Next’
  • Step 4: User will be prompted to enter the new amount
Please contact our Customer Services at 03-7859 6333 to immediately block any unauthorised activities..
The user should write an email to qBayar at help@qbayar.com to request for closure of account.

FAQ – Withdrawal

Yes, but only a Premium User is allowed to transfer out money from their qBayar e-wallet to their own bank account. A fee of RM1.00 per transaction will be charged. Please follow these steps below:
  • Step 1:   Click on the ‘Manage’ button on the Home screen
  • Step 2:   Select ‘Withdraw to Bank’ and key in the desired amount to be withdrawn
  • Step 3:   TThe user will be directed to the FPX interface
Note: The withdrawal amount will be credited to the user’s account within 3 working days (T+2) upon request done by the user.

There are a number of possibilities. They may be due to:

  1. The user has not linked their bank account to qBayar or
  2. The user has already linked the bank account to qBayar but the approval by the qBayar admin is still pending.

Users can link the bank account by following these steps:

  • Step 1:    Click on the ‘More’ button and select ‘My Account’
  • Step 2:     Select the ‘Link Bank Account’ option
  • Step 3:     Select ‘Bank Name’ and key in ‘User’s Name as per NRIC’ and ‘Bank Account Number’.
  • Step 4:     Upload ‘Bank Statement Letterhead’ to confirm the name and account number.
  • Step 5:     Wait for verification from the qBayar admin. A notification will be sent to Inbox once the details sent is verified by qBayar admin.

FAQ - Merchant

Customers and Merchants use the same qBayar app which is available in Google Play Store and Apple App Store.

A customer who wants to become a Merchant needs to be a Premium User. Once the Premium User application is approved, the user will be able to access to the Merchant’s qBayar Admin website. At the website there will be a ‘Become a Merchant’ button which enables the applicant to apply as a qBayar Merchant. All the Merchant application processes will be done at the qBayar Admin website.

A Merchant can do the following:
  1. Register as a qBayar Merchant
  2. View Merchant-Customer transactions history
  3. View Merchant account details
  4. View Merchant commission reports
  5. Create new Company Admin(s)
  6. Add and manage qBayar Terminals
  7. Generate qBayar token to be used in Terminal Point-Of-Sale (POS)
Please follow these steps below:
  • Step 1:   Login into qBayar Admin Portal at www.app.qbayar.com
  • Step 2:   Select “Merchant”
  • Step 3:   Key in the required information. Once done, key in the OTP sent to the registered phone number
  • Step 4:   User will be notified on the status of the registration via email and ‘Inbox’ on qBayar app
Note: Only Premium qBayar User is allowed to register as Merchant.
The process will take 3 - 4 working days to review the application details.

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