1. What is Easy Payment Scheme?

    Easy Payment Scheme is the new feature whereby allowing customers to convert online
    transaction to an instalment with the Credit Card Company or financial institution.
  2. Which bank’s card holder can participate?

    The card holder can participate in the easy payment scheme if they are using credit card
    (Visa and MasterCard) issued by one of the following Credit Card Companies or financial
    1. AEON Credit
    2. Affin Bank
    3. Bank Simpanan Nasional
    4. Citibank
    5. Hong Leong Bank
    6. HSBC Bank
    7. Maybank
    8. MBF Card
    9. Public Bank
    10. RHB Bank
    11. Standard Chartered Bank
    12. United Overseas Bank

    Note: The above list is subject to changes from time to time in accordance respective bank
             policy without prior notice.

  3. What are the minimum requirements for card holder to participate?

    The card holder must transact minimum of Malaysian Ringgit (MYR) 500.00 via participating
    banks’ credit card (Visa and Mastercard only) in a single receipt. The minimum transaction
    amount eligible for easy payment scheme also subjects to the tenure of instalment taken by
    the card holder.
  4. Is it 0% interest for the card holder?

    Yes, there is a 0% interest instalment payment plan, subject to the tenure of instalment taken
    and it also varying from bank to bank.
  5. How much interest charged to card holder under this easy payment scheme?

    The interest charged is ranging from 2% to 10%, subject to the tenure of instalment taken
    and it also varying from bank to bank.

    AEON Credit

    Affin Bank

    Bank Simpanan Nasional


    Hong Leong Bank

    HSBC Bank


    MBF Card

    Public Bank

    RHB Bank

    Standard Chartered Bank

    United Overseas Bank

  6. What are tenures offered under easy payment scheme?

    The standard tenures offered by banks are 6 months, 12 months or any tenure defined by
    bank and it varies from bank to bank.
  7. How easy payment scheme works?

    Step 1: Buyers make payment by credit card online.
    Step 2: The credit card payment will be processed online usual.
    Step 3: Once the card payment is authorized successfully, buyers will be informed the
               payment status is successful.
    Step 4: The buyer will be notified by MOLPay system the steps of converting a transaction to an
               instalment for buyer’s bank including interest charged and tenure offered, either via pop up
               window or email.
    Step 5: Buyers just follow the instruction as stated in the popup window or email to convert their
               transaction into instalment.
    Step 6: If bank approved buyers’ request, buyers just pay back to their back on instalment basis as
               they applied with the bank.

    Note: Step 4 only is activated when buyer is found to make Malaysian Ringgit (MYR) 500.00 and above
             via credit card (of participating bank) successfully.