Touch 'n Go eWallet

Accept payments from Touch 'n Go eWallet, Malaysia's most popular digital wallet with 17+ million users and extensive merchant network across the country.

Overview

User Statistics

User numbers are approximate and based on publicly available information. Actual active user counts may vary.

Touch 'n Go eWallet (TNG eWallet) is Malaysia's leading digital payment platform, originally known for highway tolls and now expanded to a full-featured digital wallet. Users can pay with their TNG eWallet balance for instant, secure transactions both online and offline.

Key Features:

✅ 17+ million users - Malaysia's most popular e-wallet
✅ Instant confirmation - Real-time payment processing
✅ Wide adoption - Accepted everywhere in Malaysia
✅ Trusted brand - Part of Touch 'n Go Group
✅ No transaction fees - For customers
✅ Rewards program - Users earn GO+ points

Supported Regions

Region	Currency	Min Amount	Max Amount	Daily Limit
Malaysia	MYR	RM1.00	RM30,000	RM30,000*

*Daily limits vary based on customer's wallet verification level

Transaction Limits by Verification Level

Verification Level	Per Transaction	Daily Limit	Monthly Limit
Lite (Phone + IC)	RM1,500	RM1,500	RM10,000
Full (Bank linked)	RM30,000	RM30,000	RM100,000

How It Works

Customer Experience:

Customer selects "Touch 'n Go eWallet" at checkout
Redirected to TNG authorization page
Opens TNG eWallet app (deep link)
Reviews payment details
Authenticates with 6-digit PIN or biometric
Confirms payment
Returns to merchant site

Typical completion time: 30 seconds - 2 minutes

Implementation

Step 1: Create Touch 'n Go Source

curl https://api.omise.co/sources \
  -u skey_test_YOUR_SECRET_KEY: \
  -d "type=touch_n_go" \
  -d "amount=15000" \
  -d "currency=MYR"

const omise = require('omise')({
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

const source = await omise.sources.create({
    type: 'touch_n_go',
    amount: 15000,  // MYR 150.00
    currency: 'MYR'
});

<?php
$source = OmiseSource::create(array(
    'type' => 'touch_n_go',
    'amount' => 15000,
    'currency' => 'MYR'
));
?>

import omise

omise.api_secret = 'skey_test_YOUR_SECRET_KEY'

source = omise.Source.create(
    type='touch_n_go',
    amount=15000,
    currency='MYR'
)

require 'omise'

Omise.api_key = 'skey_test_YOUR_SECRET_KEY'

source = Omise::Source.create({
  type: 'touch_n_go',
  amount: 15000,
  currency: 'MYR'
})

source, err := client.Sources().Create(&operations.CreateSource{
    Type:     "touch_n_go",
    Amount:   15000,
    Currency: "MYR",
})

Source source = client.sources().create(new Source.CreateParams()
    .type("touch_n_go")
    .amount(15000L)
    .currency("MYR"));

var source = await client.Sources.Create(new CreateSourceRequest
{
    Type = "touch_n_go",
    Amount = 15000,
    Currency = "MYR"
});

Response:

{
  "object": "source",
  "id": "src_test_5rt6s9vah5lkvi1rh9c",
  "type": "touch_n_go",
  "flow": "redirect",
  "amount": 15000,
  "currency": "MYR"
}

Step 2: Create Charge

curl https://api.omise.co/charges \
  -u skey_test_YOUR_SECRET_KEY: \
  -d "amount=15000" \
  -d "currency=MYR" \
  -d "source=src_test_5rt6s9vah5lkvi1rh9c" \
  -d "return_uri=https://yourdomain.com/payment/callback"

Step 3: Redirect Customer

app.post('/checkout/touch-n-go', async (req, res) => {
    try {
        const { amount, order_id } = req.body;

        // Validate amount
        if (amount < 100 || amount > 3000000) {
            return res.status(400).json({
                error: 'Amount must be between RM1 and RM30,000'
            });
        }

        // Create source
        const source = await omise.sources.create({
            type: 'touch_n_go',
            amount: amount,
            currency: 'MYR'
        });

        // Create charge
        const charge = await omise.charges.create({
            amount: amount,
            currency: 'MYR',
            source: source.id,
            return_uri: `${process.env.BASE_URL}/payment/callback`,
            metadata: {
                order_id: order_id
            }
        });

        // Redirect to Touch 'n Go
        res.redirect(charge.authorize_uri);

    } catch (error) {
        console.error('Touch n Go error:', error);
        res.status(500).json({ error: error.message });
    }
});

Step 4: Handle Return

app.get('/payment/callback', async (req, res) => {
    try {
        const chargeId = req.query.charge_id;
        const charge = await omise.charges.retrieve(chargeId);

        if (charge.status === 'successful') {
            await processOrder(charge.metadata.order_id);
            res.redirect('/payment-success');
        } else if (charge.status === 'failed') {
            res.redirect('/payment-failed?reason=' + charge.failure_message);
        } else {
            res.redirect('/payment-pending');
        }
    } catch (error) {
        res.redirect('/payment-error');
    }
});

Step 5: Handle Webhook

app.post('/webhooks/omise', (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete' && event.data.source.type === 'touch_n_go') {
        const charge = event.data;

        if (charge.status === 'successful') {
            processOrder(charge.metadata.order_id);
        } else if (charge.status === 'failed') {
            handleFailedPayment(charge.metadata.order_id);
        }
    }

    res.sendStatus(200);
});

Complete Implementation Example

// Express.js server
const express = require('express');
const omise = require('omise')({
    secretKey: process.env.OMISE_SECRET_KEY
});

const app = express();
app.use(express.json());

app.post('/checkout/touch-n-go', async (req, res) => {
    try {
        const { amount, order_id } = req.body;

        // Validate amount (RM1 - RM30,000)
        if (amount < 100 || amount > 3000000) {
            return res.status(400).json({
                error: 'Amount must be between RM1 and RM30,000'
            });
        }

        // Create source
        const source = await omise.sources.create({
            type: 'touch_n_go',
            amount: amount,
            currency: 'MYR'
        });

        // Create charge
        const charge = await omise.charges.create({
            amount: amount,
            currency: 'MYR',
            source: source.id,
            return_uri: `${process.env.BASE_URL}/payment/callback`,
            metadata: {
                order_id: order_id,
                payment_method: 'touch_n_go'
            }
        });

        // Return authorization URL
        res.json({
            authorize_uri: charge.authorize_uri,
            charge_id: charge.id
        });

    } catch (error) {
        console.error('TNG error:', error);
        res.status(500).json({ error: error.message });
    }
});

// Callback handler
app.get('/payment/callback', async (req, res) => {
    try {
        const chargeId = req.query.charge_id;
        const charge = await omise.charges.retrieve(chargeId);

        if (charge.status === 'successful') {
            res.redirect(`/order-success?order=${charge.metadata.order_id}`);
        } else {
            res.redirect(`/payment-failed?charge=${chargeId}`);
        }
    } catch (error) {
        res.redirect('/payment-error');
    }
});

// Webhook handler
app.post('/webhooks/omise', (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete') {
        const charge = event.data;

        if (charge.source.type === 'touch_n_go') {
            if (charge.status === 'successful') {
                updateOrderStatus(charge.metadata.order_id, 'paid');
                sendConfirmation(charge.metadata.customer_email);
            } else {
                updateOrderStatus(charge.metadata.order_id, 'failed');
            }
        }
    }

    res.sendStatus(200);
});

app.listen(3000);

Void and Refund Support

Voiding Charges

Touch 'n Go supports voiding within 24 hours:

// Void immediately (full amount)
const refund = await omise.charges.refund('chrg_test_...', {
    amount: 15000
});

if (refund.voided) {
    console.log('Charge was voided (within 24 hours)');
}

Refunds

Full refunds only within 30 days:

// Full refund only
const refund = await omise.charges.refund('chrg_test_...', {
    amount: 15000  // Must be full amount
});

No Partial Refunds

Touch 'n Go eWallet does NOT support partial refunds. Only full refunds are allowed within 30 days.

Common Issues & Troubleshooting

Issue: Customer doesn't have TNG eWallet app

Cause: Customer selected Touch 'n Go but doesn't have app

Solution:

function checkMobile() {
    if (!/Android|iPhone|iPad|iPod/i.test(navigator.userAgent)) {
        alert('Touch n Go eWallet requires the mobile app. Please use a mobile device.');
        return false;
    }
    return true;
}

Issue: Insufficient balance

Error: Payment declined

Solution:

if (charge.failure_code === 'insufficient_balance') {
    showMessage('Insufficient TNG eWallet balance. Please reload your wallet.');
    offerAlternativePayment();
}

Issue: Payment timeout

Solution:

const TIMEOUT = 15 * 60 * 1000; // 15 minutes

setTimeout(() => {
    if (!paymentConfirmed) {
        showTimeoutMessage();
        allowRetry();
    }
}, TIMEOUT);

Issue: Different currency error

Cause: Touch 'n Go only supports MYR

Solution:

if (currency !== 'MYR') {
    throw new Error('Touch n Go only supports MYR currency');
}

Best Practices

1. Display Instructions

<div class="tng-instructions">
    <h3>Pay with Touch 'n Go eWallet</h3>
    <ol>
        <li>Ensure you have TNG eWallet app installed</li>
        <li>Check your wallet has sufficient balance</li>
        <li>You'll be redirected to the TNG eWallet app</li>
        <li>Enter your 6-digit PIN or use biometric</li>
        <li>Confirm the payment</li>
    </ol>
    <p>Need to reload? Use online banking, credit card, or at retailers.</p>
</div>

2. Validate Amount

function validateTNGAmount(amount) {
    const MIN = 100;  // RM1.00
    const MAX = 3000000;  // RM30,000.00

    if (amount < MIN) {
        return 'Minimum amount is RM1.00';
    }

    if (amount > MAX) {
        return 'Maximum amount is RM30,000.00';
    }

    return null;
}

3. Mobile-Only Option

// Only show TNG on mobile
if (/Android|iPhone|iPad|iPod/i.test(navigator.userAgent)) {
    document.getElementById('tng-option').style.display = 'block';
} else {
    document.getElementById('tng-option').style.display = 'none';
}

4. Use Webhooks

// Webhook is primary notification
app.post('/webhooks/omise', handleWebhook);

// Callback is backup
app.get('/payment/callback', handleCallback);

FAQ

What is Touch 'n Go eWallet?

Touch 'n Go eWallet is Malaysia's most popular digital wallet with 17+ million users. Originally known for highway toll payments, it's now a full-featured e-wallet accepted widely across Malaysia.

Do customers need a TNG eWallet account?

Yes, customers must have the Touch 'n Go eWallet app installed with an activated account and sufficient balance.

What are the transaction limits?

Lite users: RM1 - RM1,500 per transaction, RM1,500 daily
Full users: RM1 - RM30,000 per transaction, RM30,000 daily

Customers can upgrade verification level in the app.

How long does settlement take?

Touch 'n Go eWallet settlements typically occur within 1-3 business days. Check your Omise dashboard for settlement schedules.

Can I refund Touch 'n Go payments?

Yes, full refunds are supported within 30 days. Partial refunds are NOT available. Voiding is possible within 24 hours.

What if customer has insufficient balance?

Payment will be declined. Customer can reload TNG eWallet via:

Online banking
Credit/debit card
7-Eleven, 99 Speedmart, MyNews
Petronas stations
ATMs

Does Touch 'n Go work on desktop?

No, Touch 'n Go eWallet requires the mobile app. Desktop users should see alternative payment methods.

Testing

Test Mode

Touch 'n Go eWallet can be tested using your test API keys. In test mode:

Test Credentials:

Use test API keys (skey_test_xxx)
Currency: MYR (Malaysian Ringgit)
No actual Touch 'n Go account required for testing

Test Flow:

Create source and charge with test API keys
Customer redirects to test authorize_uri
Test page simulates Touch 'n Go authorization
Use Omise Dashboard Actions to mark charge as successful/failed
Verify webhook notifications and callbacks

Testing Implementation:

// Test Touch 'n Go payment
const source = await omise.sources.create({
    type: 'touch_n_go',
    amount: 5000,  // RM50.00
    currency: 'MYR'
});

const charge = await omise.charges.create({
    amount: 5000,
    currency: 'MYR',
    source: source.id,
    return_uri: 'https://example.com/callback'
});

console.log('Test authorize URL:', charge.authorize_uri);

Test Scenarios:

Successful payment: Verify order fulfillment flow
Failed payment: Test error handling
Amount limits: Test RM1 minimum and various amounts
Mobile flow: Test deep-linking to TNG app
Insufficient balance: Simulate low wallet balance
Timeout: Test abandoned payment scenarios
Webhook delivery: Verify all webhook events

Important Notes:

Test mode doesn't connect to real TNG servers
Use dashboard to simulate payment outcomes
Test mobile app flow thoroughly
Verify webhook handling for all statuses
Test amount validation logic

For comprehensive testing guidelines, see the Testing Documentation.

Digital Wallets Overview - All wallet options
Boost - Alternative Malaysia wallet
GrabPay - Multi-country wallet
DuitNow QR - Malaysia QR payment
Refunds - Refund policies

Overview​

Supported Regions​

Transaction Limits by Verification Level​

How It Works​

Implementation​

Step 1: Create Touch 'n Go Source​

Step 2: Create Charge​

Step 3: Redirect Customer​

Step 4: Handle Return​

Step 5: Handle Webhook​

Complete Implementation Example​

Void and Refund Support​

Voiding Charges​

Refunds​

Common Issues & Troubleshooting​

Issue: Customer doesn't have TNG eWallet app​

Issue: Insufficient balance​

Issue: Payment timeout​

Issue: Different currency error​

Best Practices​

1. Display Instructions​

2. Validate Amount​

3. Mobile-Only Option​

4. Use Webhooks​

FAQ​

Testing​

Test Mode​

Related Resources​

Next Steps​

Overview

Supported Regions

Transaction Limits by Verification Level

How It Works

Implementation

Step 1: Create Touch 'n Go Source

Step 2: Create Charge

Step 3: Redirect Customer

Step 4: Handle Return

Step 5: Handle Webhook

Complete Implementation Example

Void and Refund Support

Voiding Charges

Refunds

Common Issues & Troubleshooting

Issue: Customer doesn't have TNG eWallet app

Issue: Insufficient balance

Issue: Payment timeout

Issue: Different currency error

Best Practices

1. Display Instructions

2. Validate Amount

3. Mobile-Only Option

4. Use Webhooks

FAQ

Testing

Test Mode

Related Resources

Next Steps