FAQ/DUITNOW QR/2024/V.

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Frequently Asked Questions (FAQ)

DuitNow QR
GLOSSARY
Biometric Refers to Face or Fingerprint(s), as the case may be, to be used as authentication
method to authenticate or verify your identity or Instructions.
2 Dynamic QR QR Code that is generated after the merchant or recipient keys-in
the amount of the payment or credit transfer.
3 Interoperability In DuitNow QR context, it means the ability to work with other banks and eWallets in
terms of scanning and accepting the QR code. For example, a restaurant is
displaying a DuitNow QR code provided by Bank Islam. A customer can use any of
the participating mobile banking application or eWallet to scan the QR code to pay.
4 P2P QR Person-to-Person (P2P) QR is a fund transfer from an individual’s bank account to
another individual’s bank account via Quick Response (QR) Code.
5 QR Code A two-dimensional barcode that can be read using the camera of a smartphone or
mobile device that is equipped with QR reader.
6 Static QR QR Code displayed which requires you to key-in the amount of the payment or credit
transfer.

No Question Answer
General
1 What is DuitNow QR? DuitNow QR is Malaysia’s National Quick Response (QR) Standard which
was established by PayNet under the Bank Negara Malaysia Interoperable
Credit Transfer Framework (ICTF). It enables customers to make payment
from any participating banks or e- wallet mobile apps.
2 How does DuitNow QR DuitNow QR allows interoperability between all participating banks and e-
differ from the existing wallets which means you can just use one app to scan DuitNow QR code
QR payments offered by provided by any of the participants. With that, merchants can just display
banks and e-Wallet one QR code to their customers.
providers?
3 Who can use DuitNow All new and existing Bank Islam Mobile Banking (currently known as GO
QR? by Bank Islam) users with the latest version of Bank Islam Mobile Banking
app (V.2.2.8 and above).
How to check your Mobile Banking app version:
i) Launch the app.
ii) At the front page, select the Menu button, the version is indicated at the
bottom.
You may download the latest version from Google Play, App Store or
Huawei App Gallery.
4 What are services Below are services that are available for DuitNow QR:
available for DuitNow • Scan seller’s or other person’s DuitNow QR code to pay or transfer
QR? funds.
• Generate a QR code to receive money from another person.

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More new features will be introduced soon.
5 Where can I use DuitNow Look out for a DuitNow QR code standee at participating merchant outlets,
QR? and you can also use DuitNow QR at all participating local and overseas
merchants displaying the "DuitNow QR" logo. Additionally, you can make
payments to any person who can generate a DuitNow QR code using
participating bank apps and eWallet mobile apps.

Click here for the full list of DuitNow participants.

6 What are the minimum The minimum requirements of using the DuitNow QR are as follows:
requirements to use • Bank Islam Mobile Banking app is downloaded on your
DuitNow QR? smartphone.
• Your smartphone must not be jail broken or rooted.
• Internet connection
• The operating system of the smartphone must be IOS 10 and above
or Android version 5 and above.
• Registered for DuitNow QR
7 What are the functions There are two (2) types of functions available:
available for DuitNow SCAN & PAY
QR?
This is a merchant presented QR Code whereby Mobile Banking user
scans any DuitNow QR supported static / dynamic QR Code to perform QR
payment. The source account for this is via current account and savings
account.

SCAN ME
This is a Person-to-Person transfer (P2P QR) function whereby recipient
generates a QR Code and present it to the sender/payer to scan and
perform electronic money transfer. This function is available and
interoperable between the Bank Islam Mobile Banking app and other banks
or eWallet apps which support DuitNow QR.
8 Are there any charges There are no charges imposed to customer for using DuitNow QR.
for using DuitNow QR?
9 What if the price Please confirm with the merchant if the information shown is not reflected
displayed on my screen accurately. Should there be any discrepancies, request the merchant to
is different from what the regenerate a new code and scan again.
merchant had agreed
on?

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10 What is my daily limit and
how is the security in Scan and pay without
biometric or password.
place? Biometric is required if the
total amount exceeded the Password
no-password limit. is required

RM 0 RM 250 RM 50,000
Max daily limit Max daily limit for DuitNow QR*:
for no-password ▪ Scan and Pay to Merchants
(Purchase Transaction - POS)
▪ Scan and Transfer Funds to
Other Person (P2P Transaction)

*Shared limit for all third-party

transfer and payment transfer type.

No-password limit can be set up to RM250 daily. For example, if you set
your no-password limit to RM50, you can scan QR code to pay without
any biometric or password up to RM50 in total.

*Maximum limit per day for P2P and Point-of-Sales (POS) Transaction:
• Resident: RM50,000.00
• Non-Resident: RM10,000.00

The default limit for P2P transaction is RM5,000.00 and is also subject to
the 3rd party transfer limit set by you.
11 I can’t perform any If you’re facing issues with DuitNow QR, please try any of these methods:
transaction through • Restart device - Many common issues can be fixed by turning off and
DuitNow QR. What restarting the device.
should I do?
• Check data connection – A strong internet connection (Wi- Fi or mobile
data) is required to use the app. Re-launch the app when the internet
connection is good.
• Check device’s available storage – If the storage space is low, please
uninstall other apps or delete items like pictures or videos to free up
space. The problem could also be attributed to multiple suspended
apps running in the background. Please close unused apps to free up
memory and resources
• Clear cache and data - Clear cache and data on the App Store or
Google Play Store application and try to download the app again.
• Update to the latest version of the GO by Bank Islam app or uninstall
and re-install the app.
12 What are the security You can set your preferred daily transaction limit from RM0 to RM50,000.
features in place? However, there is a cumulative limit that you can set to enable
authentication for your transaction.

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Password or biometric is required to proceed with DuitNow QR if more than
RM250 per transaction. Below the cumulative limit, no authentication
required.
13 How do I safeguard my You can prevent others from using your DuitNow QR by following these
DuitNow QR from being simple guidelines:
abused? • Ensure your device is protected with biometric, PIN or pattern.
• Do not save any other biometrics except your own on your mobile
devices.
• Do not leave your device unattended.
• Set your DuitNow QR limit based on your comfort level.
• Regularly check your account activity for any discrepancies or
unauthorised transaction.
14 What are the safety You are required to ensure the following:
measures to be taken • Check the amount to be paid.
before proceeding with
• Check the merchant’s details (business name) before proceeding
the DuitNow QR
with the DuitNow QR transaction.
transaction?
15 What happens if I Please call our Contact Centre at +603 26 900 900 to have your
lose my mobile phone? Bank Islam Mobile Banking app temporarily suspended.
16 Do I need to key in my No. However, below are instances where password is required:
password every time I • First-time set up of Scan QR
launch and use DuitNow
• Change of DuitNow QR settings including payment limit and default
QR?
account.
QR payment of more than RM250 per transaction or exceeding RM250 in
total or if the transaction amount exceeds the no-password limit set by you.
17 Which debiting account You can choose either from your current account, savings account, or
can I choose for DuitNow transactional investment account.
QR?
18 May I know why at times This is because the recipient has already fixed the amount to be paid.
I don’t have to enter the Hence, when you scan the DuitNow QR Code, you will be making a
amount to be paid? payment for the exact amount. The amount will be displayed on the screen
for your confirmation.
19 How long will it take to DuitNow QR payments/transfers will be processed immediately.
process DuitNow QR?
20 How do I know my After you have made the payment, the status will be displayed on the
payment status? screen, and you will also receive a notification via push notification.
Alternatively, you may view the transactions in your account history.
21 How do I know if the Once you have scanned a QR code and made a payment, you will receive
payment was a push notification on the successful status of payment. You will also see an
successfully made and acknowledgement page regarding the successful status of payment.
debited from my Alternatively, you may check the transaction history for successful
account? payments made or click on “Inbox” to check payment status.

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22 Why is my payment Your payment may be declined due to these reasons:
being rejected? • Insufficient balance in your account.
• Poor internet connectivity.
• Merchant’s DuitNow QR service has been deactivated.
23 I have received a Please show the successful notification to the merchant for payment
successful notification for confirmation. Merchant also could check his/her own transaction history to
my payment, but the find out if the payment has been made.
merchant claimed to not
receive it. What should I
do?
24 Can another person(s) No, you should not allow anyone to use your app and DuitNow QR. The
leverage on my app to app is solely for your own usage. Best practices should be upheld at all
use DuitNow QR? times to safeguard your DuitNow QR from being abused by another
person.
25 What happens if the If you are at the merchant’s premise, kindly settle the dispute with the
amount transferred for merchant directly. Any settlement of discrepancies shall be between you
QR Payments was wrong and the merchant/cashier. Both parties are allowed to make settlements
due to either the based on arrangements as deemed fit, appropriate, and agreed by both
merchant’s/cashier’s or parties.
customer’s mistake?
If there is a need for further investigation, kindly report this matter to our
Contact Centre +603 26 900 900 for calls or write into
contactcenter@bankislam.com.my
26 What happens if the Kindly settle the dispute with each other directly. Any settlement of
amount transferred for discrepancies shall be between you and the sender/recipient. Both parties
P2P QR was wrong due are allowed to make settlements based on arrangements as deemed fit,
to either the sender or appropriate, and agreed by both parties.
recipient?
If there is a need for further investigation, kindly report this matter to our
Contact Centre at +603 26 900 900 for calls or write into
contactcenter@bankislam.com.my
Steps / Guide
1 How do I register for Before you can use DuitNow QR you need to perform a one-time
DuitNow QR for the first registration. There are two (2) options:
time via Bank Islam Option 1: At the login page
Mobile Banking?
a) Tap on Scan QR icon.
b) Enter password and tap Proceed button.
c) Select Continue button.
d) Select Funding Account from the dropdown list, Enter Purchase Daily
Limit, Enter Cumulative Limit, Accept Terms & Conditions (T&C),
and tap Let’s Register button.
e) Verify details and tap Confirm button.

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f) Authorise this request via GO Secure using the GO by Bank Islam
mobile application. Refer to https://www.bankislam.com/personal-
banking/services/go-secure/ for more information on GO Secure.

Option 2: After logging in.

Approach (i)
a) Tap on Scan QR icon.
b) Tap the Continue button.
c) Select Funding Account from the dropdown list, Enter Purchase Daily
Limit, Enter Cumulative Limit, Accept T&C, and tap Let’s Register
button.
d) Verify details and tap Confirm button.
e) Authorise this request via GO Secure using the GO by Bank Islam
mobile application. Refer to https://www.bankislam.com/personal-
banking/services/go-secure/ for more information on GO Secure.

Approach (ii)
a) Tap on Menu.
b) Tap Settings.
c) Tap DuitNow QR.
d) Tap the Continue button.
e) Select Funding Account from the dropdown list, Enter Purchase Daily
Limit, Enter Cumulative Limit, Accept T&C, and tap Let’s Register
button.
f) Verify details and tap Confirm button.
g) Authorise this request via GO Secure using the GO by Bank Islam
mobile application. Refer to https://www.bankislam.com/personal-
banking/services/go-secure/ for more information on GO Secure.
2 How can I change To change the transaction limit for QR Purchase, kindly refer to the steps
the transaction limit? below:
a) Launch the Mobile Banking App, enter Password and tap Login
button.
b) Tap Menu.
c) Select Settings.
d) Select DuitNow QR.
e) Change Amount (limit) and tap Save button.
f) Verify details and tap the Approve button.
g) Successfully updated the QR Settings and tap OK.

To change the transaction limit for P2P QR, kindly refer to the steps below:
a) Launch the Mobile Banking App, enter Password and tap Login
button.
b) Tap Menu.

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c) Select Settings.
d) Select Limit Maintenance.
e) Change Amount (limit) and tap Update button.
f) Verify details and tap the Approve button.
g) Successfully status appear and limit change accordingly.
3 How do I make payment Once you have registered for DuitNow QR, you can make payment to other
with DuitNow QR? person or merchants. Kindly refer to the steps below:

Pre-Login page
Steps for Static QR Code.
a) Launch the Mobile Banking App.
b) Tap on Scan QR icon.
c) Scan the QR code.
d) Enter Amount and tap Continue button.
e) Tap the Pay Now button.
f) Verify details and tap the Approve button.
g) Verify Payment status.

Steps for Dynamic QR Code

a) Launch the Mobile Banking App
b) Tap on Scan QR icon.
c) Scan the QR code.
d) Verify details and tap Pay Now button.
e) Verify and tap the Approve button.
f) Verify Payment status.

Steps for payment Above Transaction Limit (RM250) at Pre-Login

a) Launch the Mobile Banking App.
b) Tap on Scan QR icon.
c) Scan the QR code.
d) Enter Amount (above transaction limit RM250) and tap Continue
button.
e) Enter Password and tap Proceed button.
f) Verify details and tap Pay Now button.
g) Verify and tap the Approve button.
h) Verify Payment status.

Post-Login QR Payment
Steps for Static QR Code
a) Launch the Mobile Banking App, enter password and tap Login
button.

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b) Tap on Scan QR icon.
c) Scan the QR code.
d) Enter Amount and tap Continue button.
e) Verify details and tap Pay Now button.
f) Verify and tap the Approve button.
g) Verify Payment status.

Steps for Dynamic QR Code

a) Launch the Mobile Banking App, enter Password and tap Login
button.
b) Tap on Scan QR icon.
c) Scan the QR code.
d) Verify details and tap Pay Now button.
e) Verify and tap the Approve button.
f) Verify Payment status.
4 How do I select my Below are the steps to select your preferred source account:
preferred DuitNow QR a) Login to your Bank Islam Mobile Banking App.
source account?
b) Tap the Menu and select Setting.
c) Select DuitNow QR setting.
d) Select Preferred Funding Account at drop down list.
e) Select Account Number for debiting.
f) Tap Save button
5 How do I receive money You can generate a QR Code and let the person who wishes to transfer
by using DuitNow QR? money to you to scan it. Kindly refer to the steps below:
Pre-Login Share QR Code
Steps for Static QR Code
a) Launch the Mobile Banking App and tap on Scan QR icon.
b) Tap the Scan Me button.
c) Tap Share DuitNow QR button.

Steps for Dynamic QR Code

a) Launch the Mobile Banking App and tap Scan QR icon.
b) Tap Scan Me button.
c) Tap Enter Amount button.
d) Enter Amount and tap √ button.
e) QR Code is ready to scan.

Post-Login Share QR Code

Steps for Static QR Code
a) Launch the Mobile Banking App, enter Password and tap Login
button.

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b) Tap on Scan QR icon.
c) Tap Scan Me button.
d) Tap Share DuitNow QR button.

Steps for Dynamic QR Code

a) Launch the Mobile Banking App, enter Password and tap Login
button.
b) Tap on Scan QR icon.
c) Tap Scan Me button.
d) Tap Enter Amount button.
e) Enter amount and tap √ button.
f) QR Code is ready to scan.
6 Can I de-register Yes, you may do so. Kindly refer to the steps below:
DuitNow QR? a) Launch the Mobile Banking App, enter Password and tap Login
button.
b) Tap Menu.
c) Tap Settings.
d) Tap Scan QR.
e) Disable De-Register button (swipe toggle left).
f) Confirmation Pop up appears and tap OK.
g) Verify and tap the Approve button.
h) Confirmation status Pop up appears and tap OK.