DuitNow QR

Accept instant payments via DuitNow QR, Malaysia's national QR payment standard supported by all major banks and e-wallets with 30+ million users.

Overview

DuitNow QR is Malaysia's national QR payment system operated by PayNet, similar to Thailand's PromptPay and Singapore's PayNow. It provides a standardized QR code that works across all participating banks and e-wallets in Malaysia.

Key Features:

✅ Universal acceptance - Works with 30+ banks and e-wallets
✅ Fast confirmation - Near real-time payment verification (typically within seconds)
✅ 30+ million users - Wide adoption across Malaysia
✅ Interoperable - One QR for all banks/wallets
✅ 24/7 availability - Works anytime
✅ Refund support - Full and partial refunds

Supported Region

Region	Currency	Min Amount	Max Amount	Transaction Limit
Malaysia	MYR	RM 0.01	RM 20,000	Varies by bank/wallet*

*Daily limits vary by customer's bank/e-wallet and are not specified by Omise

Supported Banks & E-Wallets

Major Banks:

Maybank
CIMB Bank
Public Bank
RHB Bank
Hong Leong Bank
AmBank
Bank Islam
And 20+ more banks

E-Wallets:

Boost
Touch 'n Go eWallet
GrabPay
ShopeePay
BigPay

How It Works

Customer scans DuitNow QR → Opens banking/wallet app → Confirms payment → Instant confirmation (10-30 seconds total)

Implementation

Create Source and Display QR

Node.js
PHP
Python

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

// Create DuitNow QR source
const source = await omise.sources.create({
    type: 'duitnow_qr',
    amount: 10000,  // RM 100.00
    currency: 'MYR'
});

// Get QR code image URL
const qrCodeUrl = source.scannable_code.image.download_uri;

// Create charge
const charge = await omise.charges.create({
    amount: 10000,
    currency: 'MYR',
    source: source.id,
    metadata: {
        order_id: 'ORD-12345'
    }
});

// Display QR code and poll for status
res.render('payment-qr', {
    qr_code: qrCodeUrl,
    charge_id: charge.id,
    amount: 'RM 100.00'
});

<?php
$source = OmiseSource::create(array(
    'type' => 'duitnow_qr',
    'amount' => 10000,
    'currency' => 'MYR'
));

$qrCodeUrl = $source['scannable_code']['image']['download_uri'];

$charge = OmiseCharge::create(array(
    'amount' => 10000,
    'currency' => 'MYR',
    'source' => $source['id']
));

// Display QR code
echo '<img src="' . $qrCodeUrl . '" alt="DuitNow QR">';
?>

import omise

omise.api_secret = 'skey_test_YOUR_SECRET_KEY'

source = omise.Source.create(
    type='duitnow_qr',
    amount=10000,
    currency='MYR'
)

qr_code_url = source.scannable_code['image']['download_uri']

charge = omise.Charge.create(
    amount=10000,
    currency='MYR',
    source=source.id
)

Complete Implementation

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

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

// Create DuitNow QR payment
app.post('/checkout/duitnow-qr', async (req, res) => {
    try {
        const { amount, order_id } = req.body;

        // Validate amount
        if (amount < 1) {
            return res.status(400).json({
                error: 'Minimum amount is RM 0.01'
            });
        }

        if (amount > 500000) {
            return res.status(400).json({
                error: 'Maximum amount is RM 5,000'
            });
        }

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

        // Create charge
        const charge = await omise.charges.create({
            amount: amount,
            currency: 'MYR',
            source: source.id,
            metadata: { order_id }
        });

        res.json({
            qr_code_url: source.scannable_code.image.download_uri,
            charge_id: charge.id,
            expires_at: new Date(Date.now() + 5 * 60 * 1000)
        });

    } catch (error) {
        res.status(500).json({ error: error.message });
    }
});

// Check charge status
app.get('/api/charges/:chargeId/status', async (req, res) => {
    try {
        const charge = await omise.charges.retrieve(req.params.chargeId);
        res.json({
            status: charge.status,
            paid: charge.paid
        });
    } catch (error) {
        res.status(500).json({ error: error.message });
    }
});

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

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

        if (charge.status === 'successful') {
            fulfillOrder(charge.metadata.order_id);
        }
    }

    res.sendStatus(200);
});

app.listen(3000);

QR Code Display

<div class="duitnow-payment">
    <h3>Scan untuk Bayar (Scan to Pay)</h3>

    <div class="qr-container">
        <img id="qr-code" src="{{ qr_code_url }}" alt="DuitNow QR Code">
    </div>

    <div class="amount">
        <strong>RM {{ amount }}</strong>
    </div>

    <div id="status">
        <p>Menunggu pembayaran...</p>
        <div class="spinner"></div>
    </div>

    <div class="instructions">
        <h4>Cara Bayar:</h4>
        <ol>
            <li>Buka app bank atau e-wallet anda</li>
            <li>Pilih "Scan QR" atau "DuitNow"</li>
            <li>Imbas QR code di atas</li>
            <li>Sahkan pembayaran</li>
        </ol>
    </div>

    <div class="supported-apps">
        <p><small>Boleh guna dengan semua bank dan e-wallet Malaysia</small></p>
    </div>
</div>

<style>
.qr-container {
    background: white;
    padding: 20px;
    border-radius: 12px;
    display: inline-block;
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}

#qr-code {
    width: 280px;
    height: 280px;
    display: block;
}

@media (max-width: 768px) {
    #qr-code {
        width: 240px;
        height: 240px;
    }
}
</style>

<script>
// Poll for payment status
const chargeId = '{{ charge_id }}';

const pollInterval = setInterval(async () => {
    const response = await fetch(`/api/charges/${chargeId}/status`);
    const data = await response.json();

    if (data.status === 'successful') {
        clearInterval(pollInterval);
        document.getElementById('status').innerHTML =
            '<p class="success">✓ Pembayaran Berjaya!</p>';
        setTimeout(() => {
            window.location = '/payment-success';
        }, 1000);
    } else if (data.status === 'failed') {
        clearInterval(pollInterval);
        document.getElementById('status').innerHTML =
            '<p class="error">Pembayaran gagal. Sila cuba lagi.</p>';
    }
}, 3000);

// Timeout after 5 minutes
setTimeout(() => {
    clearInterval(pollInterval);
    document.getElementById('status').innerHTML =
        '<p class="error">QR code tamat tempoh. Sila jana semula.</p>';
}, 300000);
</script>

Refund Support

// Full or partial refund within 30 days
const refund = await omise.charges.refund('chrg_test_...', {
    amount: 10000  // Full or partial
});

Testing

Test Amount: RM 100.00 (10000 smallest unit) Expected: Successful payment in test mode

Best Practices

1. Show Supported Banks/Wallets

<div class="supported-apps">
    <h4>Boleh guna dengan:</h4>
    <div class="app-grid">
        <div class="app">
            <img src="/banks/maybank.svg" alt="Maybank">
            <span>Maybank</span>
        </div>
        <div class="app">
            <img src="/banks/cimb.svg" alt="CIMB">
            <span>CIMB</span>
        </div>
        <div class="app">
            <img src="/wallets/tng.svg" alt="TnG">
            <span>Touch 'n Go</span>
        </div>
        <div class="app">
            <img src="/wallets/boost.svg" alt="Boost">
            <span>Boost</span>
        </div>
        <p><small>+ 30+ bank dan e-wallet lain</small></p>
    </div>
</div>

2. Multi-Language Support

const translations = {
    ms: {
        title: 'Scan untuk Bayar',
        waiting: 'Menunggu pembayaran...',
        success: 'Pembayaran Berjaya!',
        expired: 'QR code tamat tempoh'
    },
    en: {
        title: 'Scan to Pay',
        waiting: 'Waiting for payment...',
        success: 'Payment Successful!',
        expired: 'QR code expired'
    }
};

3. Handle QR Expiration

const QR_EXPIRY = 5 * 60 * 1000;

setTimeout(() => {
    if (!paymentCompleted) {
        showExpiredMessage();
        enableRetryButton();
    }
}, QR_EXPIRY);

FAQ

What is DuitNow QR?

DuitNow QR is Malaysia's national QR payment standard operated by PayNet. It provides interoperability between all participating banks and e-wallets in Malaysia.

Which banks and e-wallets support DuitNow QR?

All major Malaysian banks (30+) and popular e-wallets including Maybank, CIMB, Public Bank, RHB, Touch 'n Go, Boost, GrabPay, and ShopeePay.

What are the transaction limits?

Minimum: RM 0.01
Maximum: RM 5,000 per transaction
Daily limits vary by bank/e-wallet (typically RM 30,000)

How long are QR codes valid?

DuitNow QR codes are typically valid for 5 minutes. After expiration, generate a new QR code.

Can I refund DuitNow QR payments?

Yes, full and partial refunds are supported within 30 days of the original transaction.

Is it better than FPX?

DuitNow QR:

Instant payment
Works with QR scanner
Better for in-store and mobile

FPX:

Internet banking
Better for desktop users
No refunds

Choose based on your use case.

QR Payments Overview - All QR methods
Maybank QR - Maybank-specific QR
FPX - Malaysia internet banking
Touch 'n Go - Malaysia e-wallet
Testing - Test your integration

Next Steps

Create DuitNow QR source
Display QR code on your site
Implement status polling
Set up webhook handler
Handle QR expiration
Test with actual banking apps
Go live

Overview​

Supported Region​

Supported Banks & E-Wallets​

How It Works​

Implementation​

Create Source and Display QR​

Complete Implementation​

QR Code Display​

Refund Support​

Testing​

Best Practices​

1. Show Supported Banks/Wallets​

2. Multi-Language Support​

3. Handle QR Expiration​

FAQ​

Related Resources​

Next Steps​