Terms & Conditions

1. You are a Malaysian citizen or permanent resident; or a foreigner with a valid passport and mailing address in Malaysia.
2. You must own an active Malaysia-registered mobile phone number.
3. No income document is required and it will not be linked to any bank’s current or savings account, as it is a standalone card or product.
4. You must provide your personal identification documents and any other documents e.g. utility documents, take a selfie of yourself for the purpose of facial recognition and all other measures as may be required by us from time to time for the purpose of verification of your identity (KYC).
5. You may only apply for one (1) GoPayz Service at any one time using your government issued identification document as required by us.
6. If you are under the age of 18, you must obtain your parent’s or legal guardian’s permission to use the GoPayz Service and complete the online or in-app application form with their name and ID number. Your use of the GoPayz Service indicates to us that you have obtained the prior consent of your parent or legal guardian.
7. If you are a parent or legal guardian of a child under the age of 18 years old, by your child using the GoPayz Service:-
   1. you accept the terms of the GoPayz Service Agreement on behalf of your child;
   2. you agree that you are subject to the terms of the GoPayz Service Agreement;
   3. you are responsible for your child’s activity on the GoPayz Service; and
   4. you consent that we may collect, record, hold, store, use and disclose your child’s personal information for purposes which are necessary and related to the provision of the GoPayz Service according to our Privacy Notice.
8. Any consents which are required to be given by the user of the GoPayz Service under the GoPayz Service Agreement shall be deemed to have been given by the parent or the legal guardian of a user who is under the age of 18 years old.

1. Basic Wallet Account with a wallet limit of RM250 or Premium Wallet Account with a wallet limit of RM5,000, (GoPayz Account) as approved by us for you subject to you successfully completing the KYC process.
2. The Card is valid for five (5) years as stated on the Card or any other validity period depending on the respective product features.
3. Accepted by UPI/VISA/Mastercard merchants domestically and globally.
4. The Card caters for your online and retail purchases payment transaction.

1. Download the GoPayz App from either Google Play Store, Apple App Store, or the Huawei’s AppGallery only and not from any other unauthorised sources (Clause 12.1(b));
2. Ensure your mobile device is compatible with the GoPayz Service at all times (Clause 12.1(c));
3. Ensure that you do not use the GoPayz App on any illegally modified devices or any device that has been altered (Clause 12.1.(d));
4. Be fully responsible for the integrity of all information and data transmitted or obtained through the use of the GoPayz Service (Clause 12.1(e));
5. Ensure that all transactions via the GoPayz Account or Card are made by you (Clause 12.1 (f));
6. Take all reasonable care and precaution to prevent lost or theft of the physical Card and notify us if your physical Card is lost or stolen (Clause 5.2(h));
7. Ensure that any overseas transaction performed via the GoPayz Service do not violate the laws existing in the country where the transaction took place and comply with all applicable laws (Clauses 9.1(b) and (c));
8. Ensure the safety of the Card and the confidentiality of the PIN (Clause 12.1(i));
9. Only receive fund through your GoPayz Account from legitimate sources or activities (Clause 12.1(k));
10. Promptly update your particulars via the GoPayz App/Web or notify us in writing if there is any change to your particulars (Clause 12.1(m));
11. Notify us of any errors or discrepancies you discover in your GoPayz Account within 14 days from the date you performed the transaction via your GoPayz Account (Clause 15.2); and
12. Provide us with the correct details of your bank account and any other information as we may require to affect the refund of any Wallet Account Balance (after deducting any Refund Handling Fee and other amounts owing to us) upon termination of your GoPayz Account. The amount will be refunded within fourteen (14) Business Days of our receipt of the required information. All bank charges imposed by your bank will be borne by you (Clause 17.5(c) and 17.6(a)).

1. Allow or authorise any third party to use your GoPayz Account or Card or for purposes which are not permitted (Clause 12.1(g));
2. Transfer, sell, distribute or reproduce your Card and must take all precautions to prevent the lost, theft or misuse of the Card (Clause 12.1(h));
3. Attempt to use the GoPayz Account or any offers made under the GoPayz Account for any purpose other than as intended or offered by us (Clause 12.1(j));
4. Attempt to defraud, infect or spam the GoPayz system, manipulate the GoPayz Service or attempt to obtain any unlawful or fraudulent gains under the GoPayz Service (Clause 12.1(l)); and
5. Use the GoPayz Service for any unlawful activities prohibited by laws (Clause 12.1(n)).

You will be liable for any unauthorised transactions. You as the Cardholder will be liable for all charges whatsoever arising from all transactions, whether authorised or unauthorised. If you fail to abide to the terms and conditions of the Card, we reserve the right to terminate your GoPayz Service. We will not be liable for any losses due to your negligence.

Your physical Card being stolen or lost or your login details to your GoPayz Account being compromised. As a result you will still be liable for any damaged, lost, malfunctioned or stolen Card or funds and for any fraudulent transaction, including illegal reload of e-money. You should notify us immediately after having found that your Card is stolen or lost or your login details being compromised.