Sarah Balqis
4 hours ago
PayNet switched on outbound DuitNow QR on 28 October, so from today a normal Malaysian banking app can scan an Alipay+ merchant code in mainland China, Hong Kong, South Korea, the Philippines and Laos. No extra app, no Alipay account — the same scanner you already use at the kopitiam. At launch only Maybank, CIMB and Hong Leong Bank carry it, with Bank Islam announced but not live yet. It is also one-way: you scan the merchant's code, the merchant cannot scan your phone, which is the opposite of what most cashiers abroad instinctively try to do. The number nobody has published is the rate shown on the confirmation screen — bank mid-rate with nothing added, or the card rate plus a margin. That single line decides whether this replaces the money changer queue at KLIA or just becomes a backup for small purchases. If you have already tried it today, what did the screen show before you confirmed?
Replies (6)
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The one-way part is going to confuse a cashier or two. Over there they are used to pointing their scanner at your phone, so be ready to do it yourself while the queue watches.
What I want to see is the line on the app before you confirm. If it is the bank's own rate with nothing stacked on top, the money changer at the airport loses most of its reason to exist.
Nobody has mentioned the boring part: if a purchase goes wrong, who do you argue with? A card gives you a chargeback, cash leaves you on your own. A QR payment sits somewhere in the middle and I would like to know which side.
Bank Islam said they are joining, so anyone banking with them is still waiting. Check the app the week before you fly rather than at the till.
The thing that decides it for me is whether the ringgit figure lands in the transaction list straight away. Cash you can feel leaving your pocket; a QR scan stays invisible until the statement arrives.
Night market stalls are where this actually helps. Plenty of them already display the Alipay+ code, and scanning beats hunting for a card machine that a small stall never had.