Maybank QR

Accept payments via Maybank QR from Malaysia's largest bank with 10+ million MAE by Maybank app users and extensive nationwide presence.

Overview

Maybank QR is the QR payment system from Maybank, Malaysia's largest bank. While DuitNow QR works across all Malaysian banks, Maybank QR is specifically for Maybank customers using the Maybank2u or MAE app.

Key Features:

• ✅ Largest bank - 10+ million Maybank app users
• ✅ Fast confirmation - Near real-time payment verification (typically within seconds)
• ✅ High trust - Malaysia's most established bank
• ✅ Wide reach - 400+ branches nationwide
• ✅ Refund support - Full and partial refunds
• ⚠️ Maybank only - Requires Maybank account

Supported Region

Region	Currency	Min Amount	Max Amount	Transaction Limit
Malaysia	MYR	RM 0.01	RM 10,000	RM 50,000/day*

*Daily limits vary by customer's account type

When to Use Maybank QR vs DuitNow QR

Feature	Maybank QR	DuitNow QR
Banks	Maybank only	All Malaysian banks
Users	10M+	30M+
Max Amount	RM 10,000	RM 5,000
Settlement	1-3 days	Instant
Best For	Maybank-heavy customer base	General audience

Recommendation

Use DuitNow QR for wider reach. Use Maybank QR only if your customer base is predominantly Maybank users or you need higher transaction limits.

Implementation

Create Source and Display QR

Node.js

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

// Create Maybank QR source
const source = await omise.sources.create({
    type: 'maybank_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
});

// Display QR code
res.render('maybank-qr', {
    qr_code: qrCodeUrl,
    charge_id: charge.id
});

PHP

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

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

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

Python

import omise

omise.api_secret = 'skey_test_YOUR_SECRET_KEY'

source = omise.Source.create(
    type='maybank_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
)

QR Code Display

<div class="maybank-qr-payment">
    <div class="maybank-header">
        <img src="/banks/maybank-logo.svg" alt="Maybank">
        <h3>Maybank QR Pay</h3>
    </div>

    <div class="qr-container">
        <img id="qr-code" src="{{ qr_code_url }}" alt="Maybank 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 <strong>Maybank2u</strong> atau <strong>MAE</strong></li>
            <li>Pilih "QR Pay" atau "Scan & Pay"</li>
            <li>Imbas QR code di atas</li>
            <li>Sahkan pembayaran dengan TAC atau biometrik</li>
        </ol>
    </div>

    <div class="app-links">
        <p><small>Perlu app Maybank?</small></p>
        <a href="https://apps.apple.com/my/app/maybank2u/id715871551" target="_blank">
            iOS
        </a>
        <a href="https://play.google.com/store/apps/details?id=com.maybank2u.life" target="_blank">
            Android
        </a>
    </div>
</div>

<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);
    if (!document.querySelector('.success')) {
        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 Maybank Branding

<div class="payment-header">
    <img src="/banks/maybank-logo.svg" alt="Maybank" class="bank-logo">
    <h3>Maybank QR Pay</h3>
    <p class="note">Untuk pengguna Maybank sahaja</p>
</div>

2. Provide Alternative

// Show alternative for non-Maybank users
showPaymentOptions([
    {
        type: 'maybank_qr',
        label: 'Maybank QR',
        description: 'Untuk pengguna Maybank'
    },
    {
        type: 'duitnow_qr',
        label: 'DuitNow QR',
        description: 'Semua bank & e-wallet',
        recommended: true
    }
]);

3. Handle Non-Maybank Users

<div class="payment-alternatives">
    <p>Bukan pengguna Maybank?</p>
    <button onclick="useDuitNowQR()">Guna DuitNow QR</button>
    <button onclick="useFPX()">Guna FPX Banking</button>
</div>

FAQ

What is Maybank QR?

Maybank QR is the QR payment system from Maybank, Malaysia's largest bank. It works specifically with Maybank2u and MAE apps.

Can non-Maybank customers use it?

No, Maybank QR requires a Maybank account. For wider reach, use DuitNow QR which works with all Malaysian banks.

What are the transaction limits?

• Minimum: RM 0.01
• Maximum: RM 10,000 per transaction
• Daily limit: Up to RM 50,000 (varies by account type)

Should I use Maybank QR or DuitNow QR?

Use DuitNow QR for general audience (works with all banks/e-wallets).

Use Maybank QR only if:

• Your customers are predominantly Maybank users
• You need higher transaction limits (RM 10,000 vs RM 5,000)

Can I refund Maybank QR payments?

Yes, full and partial refunds are supported within 30 days.

Related Resources

• QR Payments Overview - All QR methods
• DuitNow QR - Universal Malaysia QR
• FPX - Malaysia internet banking
• Testing - Test your integration

Next Steps

1. Create Maybank QR source
2. Display QR code
3. Implement status polling
4. Set up webhooks
5. Provide DuitNow QR alternative
6. Test with Maybank app
7. Go live