Accept and pay out via DuitNow and FPX in Malaysia
Malaysia’s payments run on PayNet rails: FPX for online-banking checkout and DuitNow for instant proxy-addressed transfers, topped by a dense wallet layer (Touch ’n Go eWallet, Boost, GrabPay, ShopeePay). Together they cover Malaysian consumers with or without cards.
DuitNow / FPX at a glance.
The essentials of Malaysia’s payment infrastructure — what it is, who runs it, and how fast money actually moves.
| Rail | DuitNow — instant transfers; FPX — online banking checkout |
| Operator | PayNet (Payments Network Malaysia) |
| Clearing | DuitNow seconds; FPX real-time |
| Availability | DuitNow 24/7/365 |
| Identifiers | Mobile number, NRIC, business registration number, QR |
| Currency | MYR |
Collecting and paying out.
Both directions of the flow, on one balance.
Pay in · DuitNow / FPX
Pay-in flow: offer FPX (customer picks their bank and authorises in-app) for bank-first users, DuitNow QR or proxy for instant transfers, and wallet prompts for the Touch ’n Go generation. ApeX normalises all three into one checkout with one reconciliation stream.
Pay out · DuitNow (to mobile/NRIC/business proxies)
Payout flow: disburse MYR by DuitNow proxy (mobile or business registration number) or bank account — instant around the clock. Perfect for marketplace sellers, affiliate commissions and payroll across Peninsular and East Malaysia.
Settle to stablecoin treasury.
Keep your MYR balance for local spend, or convert to USDT / USDC and withdraw on-chain — the corridor where stablecoin settlement usually pays for itself.
One balance, two worlds
Settlement angle: collect MYR and settle to USDT/USDC when treasury wants dollars, or hold MYR for local spend. ApeX’s screening and documentation keep the cross-border leg clean for both sides of the ledger.
Payout rails covered
DuitNow (to mobile/NRIC/business proxies), FPX, bank transfer, wallets. Disburse from the same balance you collect into — no separate funding wires.
Common questions.
Should I offer FPX or DuitNow for checkout?
Both: FPX converts bank-first shoppers who expect their own bank’s app; DuitNow QR/proxy wins for instant, round-the-clock transfers. ApeX routes them as one method family.
Can I pay out to a Malaysian business by registration number?
Yes — DuitNow Corporate supports business registration proxies, so supplier payouts land in seconds without IBG batch waits.
Are Malaysian wallets supported for collection?
Yes — Touch ’n Go eWallet, Boost, GrabPay and ShopeePay prompts are part of the MYR checkout mix ApeX offers.
Every market, one integration.
Collect MYR locally and settle globally — or add any other corridor from the same balance.
Brazil · Pix
Local collections and payouts via Pix — settle to USDT / USDC or fiat.
India · UPI
Local collections and payouts via UPI — settle to USDT / USDC or fiat.
Philippines · GCash / Maya & InstaPay
Local collections and payouts via GCash / Maya & InstaPay — settle to USDT / USDC or fiat.
Indonesia · QRIS
Local collections and payouts via QRIS — settle to USDT / USDC or fiat.
Vietnam · MoMo / ZaloPay / VNPay & NAPAS
Local collections and payouts via MoMo / ZaloPay / VNPay & NAPAS — settle to USDT / USDC or fiat.
Thailand · PromptPay
Local collections and payouts via PromptPay — settle to USDT / USDC or fiat.
Mexico · SPEI
Local collections and payouts via SPEI — settle to USDT / USDC or fiat.
Colombia · PSE & Nequi
Local collections and payouts via PSE & Nequi — settle to USDT / USDC or fiat.
Nigeria · NIP bank transfers
Local collections and payouts via NIP bank transfers — settle to USDT / USDC or fiat.
Pakistan · Raast & JazzCash / Easypaisa
Local collections and payouts via Raast & JazzCash / Easypaisa — settle to USDT / USDC or fiat.
Kenya · M-Pesa
Local collections and payouts via M-Pesa — settle to USDT / USDC or fiat.
Argentina · Transferencias (CVU/alias)
Local collections and payouts via Transferencias (CVU/alias) — settle to USDT / USDC or fiat.
Singapore · PayNow / FAST
Local collections and payouts via PayNow / FAST — settle to USDT / USDC or fiat.
Hong Kong SAR · FPS (Faster Payment System)
Local collections and payouts via FPS (Faster Payment System) — settle to USDT / USDC or fiat.
China · Alipay / WeChat Pay (cross-border)
Local collections and payouts via Alipay / WeChat Pay (cross-border) — settle to USDT / USDC or fiat.
United Kingdom · Faster Payments / Open Banking
Local collections and payouts via Faster Payments / Open Banking — settle to USDT / USDC or fiat.
European Union / SEPA · SEPA Credit Transfer & SCT Inst
Local collections and payouts via SEPA Credit Transfer & SCT Inst — settle to USDT / USDC or fiat.
United States · ACH / RTP / FedNow
Local collections and payouts via ACH / RTP / FedNow — settle to USDT / USDC or fiat.
Australia · NPP (PayID / Osko)
Local collections and payouts via NPP (PayID / Osko) — settle to USDT / USDC or fiat.
Bangladesh · bKash / Nagad (MFS)
Local collections and payouts via bKash / Nagad (MFS) — settle to USDT / USDC or fiat.
Egypt · InstaPay / Fawry
Local collections and payouts via InstaPay / Fawry — settle to USDT / USDC or fiat.
Ghana · MTN MoMo / Telecel Cash
Local collections and payouts via MTN MoMo / Telecel Cash — settle to USDT / USDC or fiat.
South Africa · PayShap / Ozow (pay-by-bank)
Local collections and payouts via PayShap / Ozow (pay-by-bank) — settle to USDT / USDC or fiat.