# DuitNow QR in Malaysia — one code for every bank and wallet

> DuitNow QR is Malaysia's national QR payment standard, operated by Payments Network Malaysia (PayNet) under Bank Negara's Interoperable Credit Transfer Framework. One EMVCo-based code accepts payment from any participating Malaysian bank or e-wallet app, addressed by mobile number, NRIC, passport number or business registration number.

Source: https://useqr.app/docs/payments/duitnow-qr-malaysia · Last reviewed 2026-08-21 · UseQR is free forever, MIT licensed, no signup.

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## The system

DuitNow ("duit" is Malay for money) is Malaysia's instant credit-transfer service, and
DuitNow QR is its national QR standard, operated by **Payments Network Malaysia (PayNet)**.
The regulatory foundation is Bank Negara Malaysia's **Interoperable Credit Transfer
Framework (2019)**, which required payment providers to interoperate through a shared
national QR rather than each running proprietary codes — the same one-standard bet Indonesia
made with [QRIS](/docs/payments/qris-indonesia), arrived at by mandate rather than
market forces.

The consequence a merchant cares about: **one printed code**, payable from any participating
bank app or e-wallet in the country. Before the framework, a Malaysian counter needed a
sticker per wallet; after it, wallet-specific stickers became redundant.

## Addressing — DuitNow proxies

Like [PromptPay](/docs/payments/promptpay-qr-thailand) and
[PayNow](/docs/payments/paynow-qr-singapore), DuitNow addresses accounts by **proxy** —
an identifier registered against a bank account:

| Proxy | Who uses it |
|---|---|
| Mobile number | Individuals — the everyday P2P case |
| NRIC (MyKad number) | Individuals |
| Passport number | Foreign residents |
| Business registration number | Companies |

Registering your phone number means anyone can pay you knowing only that number, and the
sending app displays the registered account holder's name for confirmation before the payer
approves — the standard defence against paying the wrong person, and against the
sticker-overlay fraud that targets every merchant-presented scheme.

## The format underneath

DuitNow QR is a profile of the [EMVCo merchant-presented
specification](/docs/payments/emvco-merchant-presented-qr): tag-length-value fields, scheme
data in the merchant-account templates, currency and country fields (`MYR`, `MY`), optional
prefilled amount in field `54`, and a [CRC16](/glossary/crc16) sealing the payload. Decode
any DuitNow sticker with [/validate](/validate) and you will find the same skeleton as a
[PIX](/docs/payments/pix-qr-code-format) or PromptPay code, with PayNet's scheme
identifiers in the templates.

That shared EMVCo base is not academic — it is what makes cross-border linkage tractable.

## Cross-border use

Malaysia participates in the ASEAN payment-connectivity push: DuitNow QR has operational
linkages with **Singapore** (NETS/PayNow), **Thailand** and **Indonesia**, letting users of
a partner country's participating apps scan DuitNow codes and vice versa, with currency
conversion handled between the operators. Chinese wallet users can also pay at many
Malaysian merchants through partnership arrangements.

The honest framing for travellers: coverage is real but partial. Whether a specific foreign
app can pay a specific Malaysian code depends on that app's participation, merchant
acquiring, and transaction type. PayNet is the authority for current linkages; test with a
small amount before relying on it, exactly as you would with any
[cross-scheme payment](/docs/payments/qr-payment-standards-compared).

## For merchants

Onboarding runs through your bank or wallet provider, which issues your DuitNow QR — fees
and settlement terms are theirs to state, not a generator's. Once you have the code, the
deployment rules are universal: print at **≥ 4–5 cm** for counter distance, keep the
[quiet zone](/glossary/quiet-zone), laminate or mount it where an overlay sticker would be
obvious, and print your trading name large so a customer can match it against the name their
app shows.

## FAQ

### What is DuitNow QR?
Malaysia's national QR payment standard, operated by PayNet under Bank Negara's
Interoperable Credit Transfer Framework. One EMVCo-based code is payable from any
participating Malaysian bank or e-wallet app.

### What proxies can a DuitNow QR address?
A registered mobile number, NRIC (MyKad) number, passport number, or business registration
number, each mapped to a bank account. The payer's app shows the registered name before the
payment is approved.

### Can foreign apps pay DuitNow QR codes?
Some can. Cross-border linkages with Singapore, Thailand and Indonesia, plus Chinese wallet
partnerships, allow participating foreign apps to scan Malaysian codes. Participation varies
by app and merchant, so verify with a small test payment.

### Is DuitNow QR the same format as PIX or PromptPay?
They are siblings, not the same. All three profile the EMVCo merchant-presented QR
specification with their own scheme identifiers, so their payloads share a structure but are
payable only within their own systems or via explicit linkages.

## Try it

- https://useqr.app/validate
- https://useqr.app/scan