GoPayz - FAQ

Most Asked Questions

You can sign up for GoPayz Service online by:

  1. downloading the GoPayz App directly from the Google Play Store, Apple App Store or the Huawei’s AppGallery, for free; or
  2. visiting GoPayz website at

Malaysian residents and foreigners who work or reside in Malaysia are welcome to apply for GoPayz Service as long as they are 18 years old and above. For foreigners, they will be required to provide details of their residential address in Malaysia.

You will be charged based on the table of fee provided under question 3 above. Cash withdrawals can be made using physical GoPayz Card at ATMs that accept Card Schemes cards such as Visa, Mastercard or UnionPay.

Please note that certain ATM may impose additional fees in addition to the fees specified above.

To sign up for GoPayz Service you must first sign up for the Basic Wallet Account. Just fill in your personal information required via GoPayz App or GoPayz Website to sign up for the GoPayz Service.

Once your Basic Wallet Account has been set up, you can upgrade your Basic Wallet Account to Premium Wallet Account by:

  1. telling us more about yourself by filling up the “know your customer” (KYC) form; and
  2. snap a photo of or upload a scanned copy of your MyKad (for Malaysians) or your MyPR (for Malaysian Permanent Residents) or Passport (for foreigners).

You will not be charged for signing up for GoPayz Service or for your GoPayz Account.

For Premium Wallet Account, you have the option to apply for a physical GoPayz Card by remitting a fee of RM16.00 upon your application of the physical GoPayz Card.

For information on all other fees and charges applicable to the GoPayz Service, please refer to the fees and charges schedule below or visit

No Item Fees and Charges Payable when
1 Physical Card Fee One-time fee of RM16.00 will be charged upon your request for a physical GoPayz Card under any of the card schemes such as Visa, Mastercard or UnionPay. Upon request for each physical GoPayz Card issued by us
2 Fee for Cash Withdrawal Via ATM

Overseas ATM withdrawal fee = RM10.00 per withdrawal.

Local ATM withdrawal = RM1.00 per withdrawal.

For card-less withdrawal, fee charged will vary based on the fee imposed by partners/respective banks.

For every transaction performed.
3 Card Replacement Fee

Card replacement fee = RM16.00 per card

Only applicable for those who opt in for physical GoPayz Card to be issued, and the card replacement request is initiated by customer due to lost, stolen or damaged physical GoPayz Card or disclosure of the physical GoPayz Card’s information to a third party

Upon our receipt of your request to replace the physical GoPayz Card.
4 Statement Request Fee Physical copy = RM5.00 per copy
E-statement = Free of charge
Upon request.
5 Retrieval of Sales Draft RM15.00 per sales draft Upon request.
6 Reload / top-up charges Online Banking (FPX) = No Charge
Other Payment Card = No Charge
Razer Cash @ 7-Eleven = RM2.00 per transaction For every reload performed.
7 Overseas and Foreign Merchant Transaction Conversion Fee All Overseas and Foreign Merchant Transactions including online transactions shall be converted to Ringgit Malaysia at the prevailing conversion rate on the day of conversion and include the charges as determined by Card Schemes and a service fee of 1%. For every transaction.
8 Refund Handling Fee
  1. Via IBG RM 1.10
  2. Via Telegraphic Transfer (TT) RM 21.00

For clarity, refund happens when your GoPayz Account is terminated, you perform reload exceeding your GoPayz Account limit or a transaction is cancelled.

For every transaction.
9 Balance Enquiry Fee

RM1.00 per transaction at Local and Overseas ATMs

Enquiry made via GoPayz App / GoPayz Website are free of charge.

For every transaction.

You are advised to check the fees and charges applicable before you perform any transactions via your GoPayz Account.

How can we help you?


Scan & Pay is a mobile payment service made available by GoPayz App. It uses UnionPay QR code-based payment solution that enables you to make payments to merchants that accepts UnionPay QRC (UnionPay QR Code payments).

You will be able to make in-store or e-commerce (online) payment at UnionPay QR code enabled merchant locally and overseas with a “scan and pay” motion using your virtual UnionPay Card on GoPayz App.

Yes, you can sign up for GoPayz Service online by downloading the GoPayz App directly from the Google Play Store, Apple App Store or the Huawei’s AppGallery, for free.

Currently Scan & Pay mobile payment service only supports GoPayz UnionPay card.

Yes, for security purposes, you are required to enter your 6-digit GoPIN each time to authenticate the transaction performed via mobile device.

The Scan & Pay mobile payment service has two (2) modes, you can perform QR payments by either scanning merchant’s UnionPay QRC or presenting UnionPay QRC for merchant to scan.

  1. Merchant Presented - means uses your GoPayz App to scan the QRC presented by the merchant either in-store or e-commerce (online)
    Step 1: Log in to your GoPayz App
    Step 2: Click on Scan & Pay icon
    Step 3: Select ‘Scan QR’ then scan merchant’s UnionPay QRC to initiate the payment
    Step 4 : Merchant’s details will be displays then you have to enter payment amount
    Step 5: Enter 6-digit GoPIN to authenticate payment
    Step 6: Payment done, POS terminal prints transaction receipt
  2. Consumer Presented – means merchant use QR code reader to scan the QRC in GoPayz App
    Step 1: Log in to your GoPayz App
    Step 2: Click on Scan & Pay icon
    Step 3: Select ‘Show My QR’ and enter 6-digit GoPIN to generate your UnionPay QRC
    Step 4: Show the unique QRC to merchant to make payment within 1 minute
    Step 5: Payment done, POS terminal prints transaction receipt

Some of the common reasons for a Scan & Pay transaction to be declined are:

  1. insufficient funds in your GoPayz Account;
  2. incorrect GoPIN used;
  3. you have temporarily blocked your GoPayz UnionPay card via GoPayz App;
  4. you have exceeded your transaction limit for the day or month; or
  5. you have deactivated the overseas purchases, so you failed to perform overseas transaction.

You may manage your card usage from GoPayz App

Go to: Wallet > My Card > Show All My Card > Select the specific GoPayz Card’s usage which you wish to manage > Card Services

You can contact our Customer Care at +6018 388 3388. It would be helpful if you could take a screenshot of the error message and include the pictures in your submission for report/request to our Customer Care for further action.