Last modified: 3 February 2022
1. Types of GrabPay Wallet
The Company offers three types of wallet functionality under the term “GrabPay Wallet” as part of the Service:
2. Use of the GrabPay Wallet
The GrabPay Wallet may be used for the sale and purchase of goods and services from all transportation providers, merchants and agents lawfully offering GrabPay as a payment solution (either by way of static/dynamic QR Code payment, settlement via the Application, or online settlement), PROVIDED HOWEVER that no payments in violation of the provisions of these Terms & Conditions, including the Acceptable Use Policy shall be permitted.
There shall be no charges levied by Grab on usage of the Consumer GrabPay Wallet or on the usage of the Business GrabPay Wallet by transportation providers.
Grab shall charge merchants or agents those fees for usage of the Business GrabPay Wallet as detailed in the Schedule of Applicable Fees and Charges, hereto.
You agree that the Fees and Charges provided for in the Schedule of Applicable Fees and Charges shall not be charged in addition to the regular offered costs of the goods or services, and that no surcharge for the use of the GrabPay Wallet shall be required of consumers.
A full statement of User’s transactions may be downloaded from the following website: https://www.grab.com/my/
You agree to immediately notify Grab on the following Customer Service number Tel: 1300 80 5858 of any fraudulent activity or theft of funds in the Grab Wallet of which you become aware.
3. Funding Methods for use of the Service
4. GrabPay Credits
5. Withdrawal and Transfer of GrabPay Credits
6. Establishing your Identity
7. Representations and Warranties
8. Acceptable Use Policy
10. License Grant & Restrictions
11. Intellectual Property Ownership
12. Data Privacy & Personal Data Protection
13. Third Party Interactions
15. Limitation of Liability
17. Complaints about use of the Service
21. GrabRewards Loyalty Programme
without prior notice to you and at its sole discretion.
22. Users’ DuitNow QR Terms
In this DuitNow QR T&C (“Terms”), references to “you”, “your” and “yours” refers to the GrabPay user who is utilising the DuitNow QR Service and has an account with GrabPay and reference to “we”, “our”, “ours” and “us” refers to the Company, GPay Network (M) Sdn Bhd (“GrabPay”). These Terms shall be read in addition to and together with the Terms of Service: Payments and Rewards above and any other agreement(s) between You and GPay Network (M) Sdn Bhd for the provision and acceptance of the GrabPay Services.
“Account” means an E-money account offered by issuers of E-Money and all types of banking accounts offered by banks, except for fixed deposit accounts. This shall include, but is not limited to, all types of conventional and/or Islamic deposit accounts, current accounts, virtual internet accounts, and/or Islamic investment account. Additionally means all line of credit accounts tied to payment cards where transaction is made
“Business Day” means any calendar day from Monday to Friday, except a public holiday or bank holiday in Kuala Lumpur.
“Cross-Border QR” means a service which facilitates point-of-sale payments to Foreign Merchants by scanning the QR codes issued by the Participating Switches.
“Dynamic QR” means a QR Code that is generated on-demand and usually has an expiry. Dynamic QR generally requires the Merchant or Recipient to key-in the amount of the payment or credit transfer.
“E-Money” means a payment instrument that stores funds electronically in exchange for funds paid to the issuer of E-money and is able to be used a means of making payment to any person other than the issuer of E-money.
“Foreign Merchant” means an individual who is residing outside Malaysia, or a company, body corporate, business (including sole proprietor and partnership) incorporated outside Malaysia that accepts payments via Cross-Border QR service, for purchase of goods and/or services.
“Merchant” means individuals, businesses including sole proprietors, partnerships and companies registered with the Companies Commission of Malaysia, government agencies, statutory bodies, societies, and other similar legal entities
“DuitNow QR” means a service which facilitates industry wide ubiquitous payments or credit transfer by scanning the QR Code which complies with DuitNow National QR Standard.
“DuitNow QR Owner & Operator” means Payments Network Malaysia Sdn Bhd (Company No.: 200801035403 [836743-D])
“Participating Switch” means a foreign institution that collaborates with PayNet to provides the Cross-Border QR service in its respective country to its Acquirer or Issuer (as the case may be).
“Recipient” means an individual who receives funds via the DuitNow QR Service.
“Static QR” means a QR Code that is pre-generated for display and usually has no expiry. Static QR generally requires the individual to key-in the amount of the payment or credit transfer.
“QR Code” means a two-dimensional barcode that can be read using the camera of a smartphone or mobile device that is equipped with QR reader.
1.1 These Terms apply to and regulate your use of the DuitNow QR Service offered by us. The DuitNow QR Service allows you to transfer funds from your designated GrabPay Account to a Merchant’s or Recipient’s Account by scanning the Merchant’s or Recipient’s QR Code. This service also allows you to transfer funds to the Merchant by generating the User’s QR Code to be scanned by the Merchant.
1.2 The DuitNow QR Service offered by us is part of the Electronic Banking/e-Money Services, and accordingly these Terms are in addition to and shall be read in conjunction with the GrabPay Terms of Service: Payment and Rewards above.
1.3 The Cross-Border QR Service is an extension of DuitNow QR Service which allows you to transfer funds to a Foreign Merchant’s Account by scanning the QR codes issued by Participating Switches. Reference to DuitNow QR unless inconsistent with the context in these Terms & Conditions shall also refer to Cross-Border QR.
2. DuitNow QR Service
2.1 If you wish to send funds via DuitNow QR, you must first select an Account to be used by GrabPay for deduction of funds for transactions made via DuitNow QR. GrabPay mobile application enables you to either perform a push payment by scanning a Static QR Code or a Dynamic QR Code displayed by the Merchant or Recipient, or perform a pull payment by generating a Dynamic QR Code on a mobile device to be scanned by the Merchant.
2.2 You are responsible for ensuring that the transaction amount keyed-in or displayed on your mobile application screen is correct prior to confirming the transaction. The transaction amount keyed-in or displayed via the Merchant’s or Recipient’s QR Code shall be deemed by GrabPay to be correct upon your confirmation of the transaction. GrabPay is under no obligation whatsoever to verify that the amount paid by you matches with the Merchant’s or Recipient’s amount.
2.3 We will notify you on the status of each successful DuitNow QR transaction via any of our available communication channels chosen by you.
2.4 You acknowledge and agree that we shall have no duty to and shall not be required to take any steps to verify or seek any other confirmation from any party as to whether such Merchant or Recipient is the intended party to receive the funds, and we shall not be liable for transferring the funds to such Merchant or Recipient even if such person is not the intended party.
2.5 Pursuant to Clause 2.4 above, you agree that once a DuitNow QR transaction is confirmed, it will be deemed irrevocable and you will not be able to cancel, stop or perform any changes to that DuitNow QR transaction.
3. Recovery of funds
3.1 You have rights in relation to the investigation and recovery of erroneous or mistaken DuitNow QR transactions as stated in Clause 4 below and unauthorised or fraudulent DuitNow QR transactions as stated in Clause 5 below made from your Account.
3.2 For Cross-Border QR Service, all payment disputes shall be raised within 30 calendar days from the date of transaction. We and the DuitNow QR Owner & Operator reserve the right to reject any disputes that were raised by you after the said duration.
4. Erroneous or Mistaken DuitNow QR Transaction
4.1 If you have made an erroneous or mistaken DuitNow QR transaction, you may request for recovery of the funds. Within ten (10) Business Days from the date of your recovery of funds request, we will work with the affected Merchant’s or Recipient’s bank to return the said funds to you within seven (7) Business Days, provided the following conditions are met:
4.1.1 The funds were actually wrongly credited into the affected Merchant’s or Recipient’s Account;
4.1.2 If funds have been wrongly credited, whether the balances in the affected Merchant’s or Recipient’s Account is sufficient to cover the funds recovery amount:
184.108.40.206 If the balances are sufficient to cover the recovery amount, the erroneously credited funds may be recoverable; or
220.127.116.11 If the balances are not sufficient to cover the recovery amount, the erroneously credited funds may not be fully recoverable.
4.2 For requests for recovery of funds request between eleven (11) Business Days and seven (7) months from the date the erroneous transaction was made:
4.2.1 The affected Merchant’s or Recipient’s bank is fully satisfied that funds were erroneously credited to the affected Merchant or Recipient;
4.2.2 The affected Merchant’s or Recipient’s bank must deliver notifications to the affected Merchant or Recipient in writing regarding the funds recovery requests, whereby the erroneously credited funds would be recovered through debiting the affected Merchant’s or Recipient’s Account within ten (10) Business Days of the notifications unless the affected Merchant or Recipient provides reasonable evidence that the affected Merchant or Recipient is entitled to the funds in question. After fifteen (15) Business Days, if the affected Merchant or Recipient fails to establish their entitlement to the funds, the affected Merchant’s or Recipient’s bank shall debit the affected Merchant’s or Recipient’s Account and remit the funds back to you.
4.3 For requests to recover funds request after (7) months from the date of the erroneous transaction was made:
4.3.1 The affected Merchant’s or Recipient’s bank is fully satisfied that funds were erroneously credited to the affected Merchant or Recipient;
4.3.2 The affected Merchant’s or Recipient’s bank shall obtain from the affected Merchant or Recipient the decision whether to grant consent to debit the Merchant or Recipient account within ten (10) Business Days; and
4.3.3 Once consent is obtained, the affected Merchant’s or Recipient’s bank shall debit the affected Merchant’s or Recipient’s Account and remit the funds back to you within one (1) Business Day.
5. Unauthorised or Fraudulent DuitNow QR Transaction
5.1 For DuitNow QR transactions which were not authorised by you or which are fraudulent, we will, upon receiving a report from you alleging that an unauthorised or fraudulent DuitNow QR transaction was made, remit the funds back to you, provided the following conditions are met:
5.1.1 We shall conduct an investigation and determine, within fourteen (14) calendar days, if the unauthorised or fraudulent payment did occur;
5.1.2 If we are satisfied that the unauthorised or fraudulent payment instruction did indeed occur and was not caused by you, we shall initiate a reversal process whereby all debit posted to your Account arising from the unauthorised or fraudulent payment instruction would be reversed.
6. Liability and Indemnity
6.1 You acknowledge and agree that, unless expressly prohibited by mandatory laws, we and the DuitNow QR Owner & Operator shall not be liable to you or any third party for any losses, liabilities, costs, damages, claims, actions or proceedings of any kind whatsoever in respect to any matter of whatsoever nature in connection with the DuitNow QR Service offered by us arising from:
6.1.1 Your negligence, misconduct or breach of any of these Terms;
6.1.2 Insufficient funds in your Account for us to process the DuitNow QR transaction;
6.1.3 You have exceeded your daily transfer limit;
6.1.4 Any payment instruction given or purported to be given by you;
6.1.5 Any erroneous transfer of funds by you, including any transfer of funds to the wrong Merchant or Recipient or wrong third party; or
6.1.6 The suspension, termination or discontinuance of the DuitNow QR Service.
6.2 You shall indemnify us, our affiliates, and the DuitNow QR Owner & Operator harmless from and against any loss or damage suffered due to any claim, demand, or action brought against us, our affiliates, and/or the DuitNow QR Owner & Operator resulting from any negligent and/or fraudulent act to the DuitNow QR T&C by you.
7.1 We reserve the right to revise at any time, such charges for the use of the DuitNow QR Service, by providing you with thirty (30) days written notice. Such revisions shall take effect from the date stated in the notice. Where you continue to access or use the DuitNow QR Service after such notification, you shall be deemed to have agreed to and accepted such revisions to such charges.
7.2 You acknowledge that we may terminate your use of the DuitNow QR Service with us for any reason, with prior notice.
7.3 You acknowledge that we have the right to change, restrict, vary, suspend or modify these Terms by providing you with thirty (30) days’ notice in such manner as we deem fit.
7.4 You consent to the collection, use and disclosure of your personal data (including contact details) by us, our affiliates, our service providers and the DuitNow QR Operator as required for the purposes of the DuitNow QR Service.
7.5 These Terms are governed by and shall be construed in accordance with the laws of Malaysia.
23. Merchants’ DuitNow QR Terms
These Terms shall be read in addition to and together with the Terms of Service: Payments and Rewards and the agreement(s) between Merchant and GPay Network (M) Sdn Bhd for the provision and acceptance of the GrabPay Services.
“Account” means an e-money account offered by issuers of e-money issuer and all types of banking accounts offered by banks, except for fixed deposit accounts. This shall include, but is not limited to, all types of conventional and/ or Islamic investment accounts, Islamic deposit account, current accounts, virtual internet accounts. Additionally, means all line of credit accounts tied to payment cards where transaction is made.
“Beneficiary of Fraud” means party who ultimately benefits from the unauthorised or fraudulent payment.
“Business Day” means any calendar day from Monday to Friday, except a public holiday or bank holiday in Kuala Lumpur.
“Crediting Participant” means the Company, GPay Network (M) Sdn Bhd (Company No. 201701005704 (1219869-A)) (or “GrabPay”)
“Debiting Participant” means banks and E-Money issuer participating in RPP where the User maintains account(s)
“DuitNow QR Brand” means brand, icon, logo, trademark and service mark for the DuitNow QR.
“DuitNow QR Owner & Operator” means Payments Network Malaysia Sdn. Bhd. (Company No.: 200801035403 [836743-D])
“Merchant” means the Merchant who is utilizing the DuitNow QR Service and has an account with GrabPay
“User” means individuals, companies, body corporates, businesses (including sole proprietors and partnerships), government agencies, statutory bodies, societies and other Consumers who transfers funds via DuitNow QR Service
“RPP” means Real-Time Payments Platform, a shared payment infrastructure developed and established by PayNet, which facilitates instant and interoperable payments and collections
“Unrecoverable Loss” means the portion of funds transferred and credited to the wrong party due to erroneous, mistaken, unauthorised or fraudulent payments that cannot be retrieved after Participants have exhausted the recovery of funds process.
1.1 GrabPay is the Crediting Participant and Merchant is a registered Merchant under the DuitNow QR Services.
1.2 In consideration of the fees paid to the Crediting Participant, the Crediting Participant agrees to facilitate the participation of the Merchant in DuitNow QR Services in accordance with these Terms & Conditions.
1.3 By registering for DuitNow QR Services, the Merchant agrees to observe all DuitNow QR operating procedures issued by the DuitNow QR Owner & Operator which is applicable to the Merchant, as reflected in this Terms including any future revisions communicated by the Crediting Participant to the Merchant.
2. Obligations Of Merchant
2.1 If the Merchant wishes to receive funds via DuitNow QR, the Merchant:
2.1.1 Shall not impose any fees for POS Payments made by Users using DuitNow QR Service; and
2.1.2 Shall not deduct any RPP fees from the Cash Out withdrawal and ensure the User is paid in full amount.
2.2 The Merchant shall accept Payments or Cash Out that draw funds from E-Money account offered by issuers of E-Money and all types of deposit accounts offered by banks, except for fixed deposit accounts. This shall include, but is not limited to, all types of conventional and/ or Islamic investment account, Islamic deposit accounts, current accounts, virtual internet accounts and/or line of credit accounts tied to payment cards.
2.3 The Merchant must not make any warranty or representation in respect of goods or services supplied which may bind the Crediting Participant, DuitNow QR Owner & Operator, Debiting Participant, or any other Participants in the service.
2.4 The Merchant must establish and maintain a fair policy for correction of errors and facilitate recovery of funds for erroneous or mistaken payments and/or unauthorised or fraudulent payments.
2.5 The Merchant shall consent and allow the Crediting Participant to disclose its information pertaining to the payment processes as the DuitNow QR Owner & Operator may reasonably require for DuitNow QR Services.
2.6 The Merchant who has been granted a non-transferable license to use the DuitNow QR Brand shall not license or assign the said right to use to any other third party. The Merchant shall comply with the DuitNow Brand Guidelines at all times.
2.7 For the purpose of Clause 2.6 above, the Merchant will be liable for any claims, damages and expenses arising out of or caused to arise from misuse or unauthorised usage of the DuitNow QR Brand. In the event of such breach, the Merchant sub-licensed rights of using the DuitNow QR Brand shall automatically be revoked and ceases immediately, whereupon this Agreement shall be terminated henceforth, without affecting accrued rights of parties. Upon termination, Clause 2.8 below shall apply accordingly.
2.8 This Clause 2 shall survive termination of this Terms. Termination does not affect either party’s rights accrued, and obligations incurred before termination.
3. Obligations of Crediting Participant
3.1 The Crediting Participant shall immediately credit and make funds available in the Merchant’s account, except for situations where the Merchant has specifically agreed for delayed or batched posting.
3.2 Any refunds by Crediting Participants must be made together with transaction fees to the Merchant if fees were incurred due to User’s disputes that are not caused by the Merchant. However, if the Merchant opts to partially refund overpayments to Users, the Merchant shall bear the transaction fees for executing such refund.
3.3 Crediting Participant shall implement reasonable measures to detect, mitigate, resolve and prevent actual and suspected fraudulent or unauthorised acts.
4. Recovery of Funds
4.1 The Merchant shall:
4.1.1 Assist the Crediting Participant in any investigation of erroneous or mistaken payments as stated in Clause 5 below;
4.1.2 Assist the Crediting Participant in any investigation on unauthorised or fraudulent payments as stated Clause 6 below; and
4.1.3 Effect refund(s) to the Users, Debiting Participants, as the case may be, if it is found that the Merchant is responsible for such erroneous, mistaken, unauthorised or fraudulent payment, as the case may be.
4.2 In the event erroneous or mistaken payment is caused by the Merchant, after verification and confirmation from the Merchant with respect to such erroneous or mistaken payment, the Crediting Participant shall immediately reverse out all credits erroneously posted to the Merchant’s account regardless of whether funds have been recovered from other affected parties.
5. Erroneous or Mistaken DuitNow QR Transaction
5.1 The Crediting Participant shall inform the Merchant once the Crediting Participant receives a request to recover funds that is wrongly credited to the Merchant due to an erroneous or mistaken ppayment. The Merchant must facilitate the recovery of funds process stated in Clause 5.2 below.
5.2 Upon receiving a recovery of funds request for erroneous or mistaken payment, the Crediting Participant has the right to debit the Merchant’s account to recover funds within five (5) Business Days provided the following conditions are met:
5.2.1 If the recovery of funds request is received within ten (10) Business Days from date of the erroneous/mistaken payment:
18.104.22.168 The Crediting Participant is fully satisfied that funds were erroneously or mistakenly credited to the Merchant’s account;
22.214.171.124 The Crediting Participant has notified the Merchant regarding the proposed debiting of Merchant’s account and the reason for the debiting; and
126.96.36.199 There is sufficient balance in the Merchant’s account to cover the recovery amount.
5.2.2 If the recovery of funds request is received between eleven (11) Business Days and seven (7) months from date of erroneous/mistaken payment;
188.8.131.52 The Crediting Participant is fully satisfied that funds were erroneously or mistakenly credited to the Merchant’s account;
184.108.40.206 The Crediting Participant has provided written notification to the Merchant where the erroneous/mistaken payment will be recovered through debiting the Merchant’ accounts within ten (10) Business Days of the notifications unless the Merchant provides reasonable evidence to substantiate ownership of the funds in question; and
220.127.116.11 There is sufficient balance in the Merchant’s account.
5.2.3 If recovery of funds request is received after seven (7) months from the date of erroneous or mistaken payment:
18.104.22.168 The Crediting Participant must seek the Merchant’s prior written consent to debit the Merchant’s account to recover funds, and the Merchant must give its consent to debit its account within ten (10) Business Days of receiving the request to debit from the Credit Participant.
5.3 When the Merchant receives a request for consent from Crediting Participant as described in Clause 22.214.171.124 above, Merchant shall not unreasonably withhold consent to debit its account when there is a legitimate recovery of funds request.
6. Unauthorised or Fraudulent DuitNow QR Transaction
6.1 The Crediting Participant shall inform the Merchant once the Crediting Participant receives a request to recover funds that was credited to the Merchant due to an unauthorised or fraudulent payment. The Merchant must facilitate the recovery of funds process stated in Clause 6.2 below.
6.2 If the Merchant receives unauthorised or fraudulent payment, the Merchant shall:
6.2.1 Immediately take all practicable measures to prevent or block further misuse, unauthorised or fraudulently transferred funds for the benefit of the Beneficiary of Fraud;
6.2.2 Furnish to the Crediting Participant with information, including but not limited to the name, address, contact information and/or national identity card number/passport number to conclusively identify the Beneficiary of Fraud within seven (7) Business Days of detecting the unauthorised or fraudulent payment;
6.2.3 Take all practicable measures to the extent permitted by law to recover funds from the unintended recipient of funds including but not limited to reversing out credits, drawing on deposits or other financial guarantees that the Beneficiary of Fraud placed/ places with the Merchant, stopping delivery of goods, suspending services that the Beneficiary of Fraud has paid for, repossessing goods delivered to the Beneficiary of Fraud and/or taking legal action against the Beneficiary of Fraud; and
6.2.4 Immediately provide such information required in Clause 6.6.2 below to the Crediting Participant to facilitate the Debiting Participant’s investigation.
6.3 In the event that a Crediting Participant receives a payment request from a Merchant which the Crediting Participant believes to be an unauthorised or fraudulent payment, the Crediting Participant shall do the following (upon becoming aware of the suspected unauthorised payment/fraud):
6.3.1 The Crediting Participant shall conduct investigation to determine:
the Crediting Participant shall prevent or block withdrawal or and further use of the remaining funds in the Merchant’s account with the Crediting Participant until there is satisfactory resolution of Unrecoverable Loss.
6.3.2 The Merchant shall facilitate and cooperate with the Crediting Participant to complete the investigation
6.4 In the event the Merchant is responsible for unauthorised or fraudulent payment, Clause 10 shall apply accordingly.
7. Dispute Resolution
7.1 Merchant shall, in good faith, attempt to settle all disputes or conflicts with Crediting Participant arising in connection with the DuitNow QR Service amicably and by mutual agreement;
7.2 However, Merchant shall have the right to lodge a complaint with the DuitNow QR Owner & Operator if there are allegations of Crediting Participant’s non-compliance to the DuitNow QR rules as reflected in these Terms.
7.3 The DuitNow QR Owner & Operator shall review of such complaints and allegations in accordance with Clause 7.4 below.
7.4 Merchant shall have the right to refer their disputes to the DuitNow QR Owner & Operator if there is an allegation of Participant’s non-compliance to the DuitNow QR rules. The DuitNow QR Owner & Operator will review such complaints and allegations, but such review will be confined to:
7.4.1 Determination whether there has been non-compliance;
7.4.2 Stipulating remedies for Participant to correct or address the non-compliance; and
7.4.3 Determination if penalties are applicable for the non-compliance.
7.5 All decisions rendered by the DuitNow QR Owner & Operator in response to complaints from Merchant shall be prima facie binding on the Crediting Participant.
8.1 Subject to the other party’s compliance with Clause 8.2 below, each party (“Indemnifying Party”) agrees to indemnify and hold the other party and its employees and agents harmless against any and all losses, expenses, claims, suits, demands, actions, and proceedings including all reasonable legal and other related fees or charges (“Liability”) which the other party may suffer or incur or for which the other party may become liable as a result of:
8.1.1 Any negligence, misrepresentation or fraud on the part of the Indemnifying Party, its employees, and agents with respect to the performance of its obligations or the exercise of any of its rights under this agreement;
8.1.2 Any claim by a User, Crediting Participant, Debiting Participant, DuitNow QR Owner & Operator or any other person for any breach by the Indemnifying Party of any applicable laws;
8.1.3 The failure of the Indemnifying Party to observe any of its obligations under this agreement; or
8.1.4 Any use of the DuitNow QR Brand by the Indemnifying Party other than as permitted by this agreement.
8.1.5 Except to the extent that such liability arises or is incurred by the other party by reason of any act or omission on its part mentioned in Clause 8.1.1 to Clause 8.1.4 above.
8.2 In the event a claim is made against a party in respect of which it is entitled to be indemnified pursuant to Clause 8.1 above, that party must:
8.2.1 Give notice of any such claim to the other party;
8.2.2 Consult with the other party in relation to any such claim; and
8.2.3 Not to settle any claim without obtaining the prior written consent of the other, such consent not to be unreasonably withheld.
8.3 The Crediting Participant is not liable to the Merchant for any loss or damage suffered by the Merchant as result of:
8.3.1 A missing or erroneous payment; and
8.3.2 The delay or disruption caused by any system failure beyond the Crediting Participant’s reasonable control.
9.1 The DuitNow QR Owner & Operator or the Crediting Participants, as the case may be, reserve the right to suspend the Merchant’s access to the DuitNow QR Service under the following circumstances, which includes, but not limited to:
9.1.1 The Merchant breached this agreement, applicable rules, guidelines, regulations, circular or laws related to DuitNow QR that was communicated to the Merchant by the Crediting Participant;
9.1.2 The Merchant has inadequate operational controls or insufficient risk management processes, resulting in potential threats to the stability, integrity, safety and efficiency of DuitNow QR and/or RPP; or
9.1.3 The Merchant is suspected on reasonable grounds that it has committed or will commit fraudulent act in connection with the DuitNow QR; or
9.2 Upon suspension of the Merchant:
9.2.1 The services provided to the Merchant under the DuitNow QR Services will be suspended immediately;
9.2.2 The Merchant must cease all promotional and advertising that is related or can be perceived to be related to DuitNow QR;
9.2.3 The Merchant shall remove all DuitNow QR Brand from the Merchant’s marketing collaterals, channels and website; and
9.2.4 The Merchant must take all reasonable steps to comply with any directions of the Crediting Participants to minimise the impact on Users of the suspension or termination.
10.1 The DuitNow QR Owner & Operator or the Crediting Participant, as the case maybe, reserve the right to terminate the services provided under this agreement or DuitNow QR Service under the following circumstances, which includes, but not limited to:
10.1.1 This agreement between the Merchant and the Crediting Participant is terminated or expired;
10.1.2 The Merchant breached this agreement, applicable rules, guidelines, regulations, circulars or laws related to DuitNow QR that was communicated to the Merchant by the Crediting Participant;
10.1.3 The Merchant fails to remedy or take adequate steps to remedy its default under this agreement to the satisfaction of the Crediting Participant or the DuitNow QR Owner & Operator, as the case maybe, within the timeframe specified by the Crediting Participant;
10.1.4 The Merchant has inadequate operational controls or insufficient risk management processes resulting in potential threats to the stability, integrity, safety and efficiency of the DuitNow QR and/or RPP;
10.1.5 Court order(s) affecting the Merchant or the Crediting Participant(s) membership and/or legal status;
10.1.6 Directive(s) issued by regulatory or government authority affecting the Merchant or the Crediting Participant(s) membership and/or legal status;
10.1.7 The Merchant’s insolvency;
10.1.8 The Crediting Participant’s membership in DuitNow QR, RPP or RENTAS is terminated or suspended and the Merchant has not appointed a replacement Crediting Participant; or
10.1.9 Such other detrimental circumstances or reasons that PayNet considers necessary to suspend or terminate such Merchant’s access to DuitNow QR.
10.2 Upon termination of this agreement, the participation of Merchant in DuitNow QR is automatically terminated and the Merchant will no longer have access to DuitNow QR and the services provided under DuitNow QR.
11. Crediting To Merchant
11.1 Crediting Participants are required to credit Merchant’s bank account with funds from incoming Payment Instructions and make the incoming funds available for the Merchant’ unencumbered use immediately except for situations where the Merchant has specifically agreed for delayed or batched posting.
11.2 Crediting Participants must make payment in full to the Merchant and shall not deduct any fees from the payment proceeds due to a Merchant, except for situations where the Merchant has specifically agreed in writing that fees can be deducted from Payments Instructions.
12. Voluntary Exit from DuitNow QR
12.1 Merchant has the option to terminate their access to the DuitNow QR by giving prior written notification to the Crediting Participant with one month’s notice.
13. Provision of Reconciliation Information
13.1 Crediting Participant shall reasonably make available to the Merchant the following minimum information, for the purpose of facilitating the Merchant’s reconciliation processes and accounting for payment of receipts and fees:
13.1.1 Reference No. or Business Message Identifier;
13.1.2 User’s name;
13.1.3 Recipient Reference;
13.1.4 Other Payment Details, where applicable;
13.1.5 Transaction amount;
13.1.6 Transaction date and time;
13.1.7 Debiting Participant’s name;
13.1.8 Account type;
13.1.9 Gross total transaction value;
13.1.10 Total transaction volume; and
13.1.11 Total fees/ commissions charged
13.2 Crediting Participant shall ensure that the Merchant has access to the following information as described in Clause 15.1 below, at the minimum in the following manner:
13.2.1 Mobile application;
13.2.2 Data files or electronic files;
13.2.3 E-statements; or
13.2.4 Reports, either electronic or in hardcopies.
14. Liability for Unrecoverable Loss
14.1 For erroneous payment, mistaken, unauthorised and/or fraudulent payment that cannot be fully or partially recovered, the amount that cannot be recovered will be deemed as Unrecoverable Loss and the party causing or who could have reasonably prevented the Unrecoverable Loss will be liable to bear that loss.
14.2 If, after completing its investigations, the Crediting Participant has reasonable grounds to believe that the Merchant caused could have reasonably prevented the Unrecoverable Loss, the Crediting Participant shall notify the Merchant and shall have the right to freeze funds in the Merchant’s account until there is satisfactory resolution of Unrecoverable Loss. The amount frozen shall be no more than the amount of the Unrecoverable Loss.
14.3 The Merchant agrees to take all measures to recover the Unrecoverable Loss if the Unrecoverable Loss is due to its fault or negligence. Notwithstanding the aforesaid, the Crediting Participant shall not be prevented from taking legal action against the Merchant to make good the Unrecoverable Loss to the extent permitted by law.
14.4 The Crediting Participant shall fully refund DuitNow QR fees incurred for erroneous, mistaken, unauthorised and /or fraudulent payment, if the error was not due to the Merchant except in situations where the Merchant decides to partially refund an overpayment. If the Merchant opts to partially refund overpayments to the Consumer, the Merchant shall bear the transactions fees for executing the refund.
15. Representation and Warranty
15.1 The Merchant acknowledges and agrees that the obligation of confidentiality extends but not limited to those specified in Clause 17 below, the disclosure of fees and charges contained in this Agreement; and any technology or know-how related to the service or the performance of this agreement.
15.2 The Merchant agrees to comply with PDPA of which it is bound and shall not do any act that will cause the Crediting Participant, Debiting Participant and the DuitNow QR Owner & Operator to breach any personal data protection laws.
16.1 The DuitNow QR Owner & Operator and Crediting Participant shall not be liable for any claims, actions, demands, costs, expenses, losses, and damages (actual and consequential) including legal costs that are incurred or suffered by the Merchant arising out of or caused by the Crediting Participant in connection with the operations and services provided by the Crediting Participant in the service. The Merchant agrees that it will communicate and resolve any dispute in relation to the aforesaid matters with the Crediting Participant.
17.1 The Merchant shall treat any information it receives or possess as result of this agreement, as confidential and will not use such information other than for the purposes which it was given.
17.2 Clause 17.1 shall not apply to information which:
17.2.1 Is or has at the time of use or disclosure become public knowledge without any breach of this agreement by the parties;
17.2.2 Is or has at the time of use or disclosure become generally known to companies engaged in the same or similar business(es) as the party on a non-confidential basis through no wrongful act of the party;
17.2.3 Is lawfully obtained by a party from third parties without any obligation by the party to maintain the information proprietary or confidential;
17.2.4 Is known by a party prior to disclosure hereunder without any obligation to keep it confidential and such information was not disclosed by the other party under this agreement;
17.2.5 Is independently developed by a party without reference to or use of the other party’s Confidential Information; or
17.2.6 Is required to disclose or divulge by any court, tribunal, governmental or authority with competent jurisdiction or by any statute, regulation or other legal requirement, take over panel or other public or quasi-public body as required by law and where the Party is required by law to make such disclosure. The Party shall give notification as soon as practical prior to such disclosure being made.
18. Variation and Waiver
18.1 The Crediting Participant may change the terms of this agreement at any time in writing and such change shall take effect from the date specified in the notice.
18.2 Any provisions herein cannot be waived except in writing signed by the party granting the waiver.
19.1 If the whole or any part of a provision of this agreement is void, unenforceable or illegal in one jurisdiction, the remainder of this agreement shall be enforceable and valid in other jurisdictions.
20. Force Majeure
20.1 The Crediting Participant shall not be liable to the Merchant for any loss or damage (including direct or consequential), for failure to observe or perform its obligations under this agreement for reasons which could not be reasonable diligence be controlled or prevented by the Crediting Participant, including but not limited to, strikes, acts of God, acts of nature, acts of government not limited to movement control order fire, flood, storm, riots, power shortages or power failure, power disruption by war, sabotage or inability to obtain sufficient labour, fuel or utilities.
Schedule of Applicable Fees and Charges
1. Campaign period is from 15 January 2022 (12:00am) – 28 February 2022 (11.59pm).
2. GrabPay users are eligible for a “RM8 rebate” in your “My Rewards” when you spend a minimum of RM88 on a single receipt via GrabPay Wallet.
3. The offer of “RM8 rebate” is limited to a total of 62,500 redemptions throughout the campaign period.
4. Offer is valid for TWO (2) in-store redemptions with a cap of ONE(1) redemption per user per day throughout the campaign. Shared across AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness throughout the campaign period.
5. The “RM8 rebate” will be awarded instantly with a minimum transaction of RM88 with GrabPay at all outlets of AEON Co, AEON BiG, AEON MaxValu Prime, AEON Wellness; The rebate can be found under “My Rewards”. Rebate must be redeemed by clicking “use now” under “My Rewards” 30 days from the date of issuance.
6. The campaign will cease once all redemptions have been fully awarded or at the expiration of the campaign period, whichever is earlier.
7. Offer is based on a first come first served and while stocks last basis only.
8. Grab and AEON Group shall not be under any obligation to inform users, on any communication channels once the offer has been fully redeemed.
9. Offer is only available for AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness physical stores purchases at cashier counter only via GrabPay Wallet; offer is not applicable for online or GrabMart purchases.
10. Offer is not exchangeable for cash or replacements.
11. Offer is not valid with any other voucher, discount or promotion.
12. Grab and AEON Group reserve the right to alter, extend or terminate the promotion, or amend the terms and conditions at its sole discretion at any time without prior notice. In case of any disputes directly or indirectly arising from the promotion, the decision of Grab and AEON Group shall be final.
13. These terms and conditions shall be governed by the laws of Malaysia and any dispute arising out of or in connection with promotion shall be referred to the exclusive jurisdiction of courts of Malaysia.
14. This rebate is non-transferable to any party.