🇲🇾 DuitNow – Malaysia's National QR Payment

DuitNow is Malaysia's national real-time payment and QR code standard, introduced by Payments Network Malaysia (PayNet) in 2018. PayNet — a consortium jointly owned by Bank Negara Malaysia (BNM) and eleven major Malaysian financial institutions — designed DuitNow to unify all Malaysian banks and e-wallets under a single interoperable payment system, replacing the fragmented landscape of proprietary QR codes.

The DuitNow QR standard is built on the EMV Merchant Presented Mode (MPM) specification, the same technical foundation used by PromptPay in Thailand, PayNow in Singapore, and QRIS in Indonesia. A merchant registers a DuitNow ID — typically their mobile number, MyKad IC number, or business registration number — and receives a single QR code that any participating bank app or e-wallet can scan to initiate payment.

DuitNow supports five proxy key types for identifying payment recipients:

• Mobile Number — Malaysian mobile numbers beginning with 01X (011 through 019), registered with a participating bank. This is the most common proxy type for personal payments.
• MyKad IC Number — Malaysia's 12-digit national identity card number (NRIC), formatted as YYMMDD-PB-XXXG. Widely used by individuals and sole proprietors who do not have a separate business registration.
• Passport Number — For foreign nationals resident in Malaysia who do not hold a MyKad, allowing non-citizens to participate in DuitNow payments.
• Business Registration Number (ROC/ROB) — The Companies Commission of Malaysia (SSM) registration number for legally incorporated businesses. Enables corporate entities to receive payments directly via DuitNow.
• Others — A catch-all category for additional identifier types that do not fit the above classifications.

Malaysia's DuitNow ecosystem has grown rapidly since launch. The system now connects over 30 million registered users across all major Malaysian banks — including Maybank, CIMB Bank, Public Bank, RHB, Hong Leong Bank, AmBank, UOB Malaysia, Standard Chartered Malaysia, HSBC Malaysia, Affin Bank, and Alliance Bank — as well as leading e-wallets and fintech platforms such as Touch'n Go eWallet, Boost, GrabPay, and ShopeePay Malaysia.

DuitNow QR transactions are processed in real-time, typically settling in seconds, 24 hours a day, 7 days a week. Both static QR codes (for open amounts, where the payer enters the payment value) and dynamic QR codes (with a pre-set amount encoded in the payload) are supported. Dynamic QR codes use initiation method 12 in the EMV payload, while static codes use 11.

The DuitNow network has also expanded beyond Malaysia's borders through cross-border QR payment linkages with Singapore (PayNow), Thailand (PromptPay), Indonesia (QRIS), and the Philippines (InstaPay QR Ph) — enabling Malaysian travellers to pay abroad and foreign visitors to Malaysia to pay using their home country payment apps at DuitNow-enabled merchants.

QRPayHub's DuitNow generator produces fully spec-compliant EMV payloads with an application identifier (AID) A000000693010011, currency code 458 (MYR), and a CRC16-CCITT checksum — all computed instantly in your browser without any server-side processing or data storage.