> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt
> Use this file to discover all available pages before exploring further.

# DuitNow

> Malaysia's national instant payment system

## Overview

DuitNow is Malaysia's national instant payment system, enabling real-time transfers between bank accounts and e-wallets 24/7. Users scan a unified DuitNow QR code at merchants to pay from any linked bank or e-wallet, promoting interoperability across providers like Touch 'n Go.

| Detail | Description |
| - | - |
| Fund Credit To | HitPay Wallet |
| Charge Confirmation (When the funds reach your Available Balance) | T+2 (Local) / T+3 (Cross-Border) |
| Presentment Currency (Currency displayed to your customer) | MYR |
| Settlement Currency (Currency that you get paid out in) | MYR |
| Activation Time | Instant |
| Minimum Amount | MYR 0.01 |
| Maximum Amount | MYR 999,999.00 (Local) / MYR 5,100.00 (Cross-border) |
| Refund Supported | ✕ (Not Supported) |
| Supported for online transactions | ✓ |
| Supported for in-person transactions | ✓ |
| Supported Countries | Malaysia (Local), All (Cross-Border) |
| Transaction Fees | [See Pricing Page](https://hitpayapp.com/pricing) |

> [!NOTE]
>
> DuitNow payments cannot be refunded through HitPay.

## Setup

DuitNow is automatically available to all business-verified Malaysian merchants — no additional steps required.

For cross-border merchants outside Malaysia:

1. Navigate to **Settings** in your HitPay dashboard.
2. Click on **Payment Methods**.
3. Click **Turn On** next to **DuitNow**.

## Payment Flows

### Online

1. Customer sees the **DuitNow** option on the checkout page.
2. Customer selects **DuitNow** — a QR code is displayed.
3. Customer scans the QR using any supported e-wallet or banking app.
4. Transaction is completed.

### POS / Quick Sale

1. Merchant selects **DuitNow** from the Payment Methods list.
2. A dynamic DuitNow QR code is displayed to the customer.
3. Customer scans the QR using any supported e-wallet or banking app.
4. Transaction is completed.

## Developer Section

| Feature | Description |
| - | - |
| Method Code | `duitnow` |
| Sandbox Testing | ✕ |
| Refund API Support | ✕ |
| Supports Embedded QR | ✓ |
| Drop-in UI Support | ✕ |

## FAQs

> **Which wallets and banks can customers use to pay with DuitNow?**
>
> Customers can pay using any bank or e-wallet linked to the DuitNow network, including Touch 'n Go, Maybank, CIMB, Public Bank, and more.

> **Can I refund a DuitNow payment?**
>
> No. DuitNow payments cannot be refunded through HitPay.

> **Is DuitNow available for cross-border merchants?**
>
> Yes. Cross-border merchants can enable DuitNow with instant activation after clicking **Turn On** on the Payment Methods page.

> **Is there a transaction limit for DuitNow?**
>
> Yes. The per-charge limit depends on whether the merchant is in Malaysia or accepting DuitNow as a cross-border method:
>
> * **Malaysia (local):** MYR 0.01 to MYR 999,999.00 per charge.
> * **Cross-border (non-Malaysia merchants):** MYR 5,100.00 per charge (SGD 1,500 equivalent). Charges above this are rejected with: *Maximum amount allowed to be charged is MYR 5,100.00.*
>
> The customer's bank or e-wallet may also apply its own daily or per-transaction limit.

For other questions, reach out to [support@hit-pay.com](mailto:support@hit-pay.com).


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