JomPAY is Malaysia’s National Bill Payment Scheme operated by PayNet under Bank Negara Malaysia’s supervision, designed to revolutionize the way Malaysians handle their bill payments through a unified and secure platform. This innovative system enables customers to make secure bill payments through Internet and Mobile Banking platforms using their Current, Savings, or Credit Card accounts without any additional charges, offering unprecedented convenience and accessibility.
JomPAY allows businesses to collect payments from customers using the Malaysian Banking system. Through JomPAY, the Banks in Malaysia become payment collection channels for businesses. Companies only need to establish a relationship with one bank to collect payments through 40 Banks in Malaysia. Customers can look for the JomPAY logo and Biller Code on their bill and log in to their bank’s online or mobile banking to make payments.
JomPAY Payment System
What Is JomPAY Biller Code?
JomPAY Biller Code is a unique identifier assigned to registered JomPAY merchants, enabling them to receive payments without exposing their bank account details to customers, thus maintaining the highest level of security and privacy in every transaction.
Businesses have the flexibility to register for multiple biller codes through their preferred bank, streamlining their payment collection process across different business units or services while maintaining separate tracking and reconciliation for each revenue stream.
What Is JomPAY Reference Number?
JomPAY reference numbers function as essential identifiers in the payment system that help track transactions and facilitate customer service support, making bill payments easier to process and reconcile while ensuring accurate payment allocation to customer accounts. These unique identifiers serve as a cornerstone of the JomPAY system, protecting customer privacy by eliminating the need to share personal banking information during transactions and enabling seamless communication between billers and their customers.
What Is JomPAY Ref-1?
Ref-1 is a mandatory unique identifier consisting of 1-20 digits that identifies specific customer accounts or bills while maintaining consistent tracking capabilities, serving as the primary reference point for all transactions within the JomPAY ecosystem. This sophisticated reference number system not only helps billers match payments to customer accounts with precision but also protects customer privacy by avoiding the exposure of personal information, creating a secure and efficient payment environment.
What Is JomPAY Ref-2?
Ref-2 functions as an optional secondary reference number that provides additional transaction tracking capability and may appear on bills when required, offering billers enhanced flexibility in their payment reconciliation processes. This supplementary reference aids billers with internal payment reconciliation and can be utilized for special payment categorization purposes when needed, providing an extra layer of organization and control over payment management.
Where To Find JomPAY Payment Information?
The JomPAY Customer Reference Box appears in the payment options section of bills, typically positioned next to the JomPAY logo. This box contains three crucial elements:
- The biller’s unique JomPAY Biller Code
- The customer’s Ref-1 number
- When applicable, the Ref-2 number
Why Use JomPAY Reference Numbers?
The reference number system serves multiple purposes:
- Enables secure identification of customer accounts without exposing sensitive information
- Facilitates efficient transaction tracking and reconciliation
- Helps customer service representatives quickly locate and resolve payment issues
- Provides a standardized format across all participating banks and billers
Which Companies Use JomPAY System?
JomPAY has been widely adopted across various sectors in Malaysia as the preferred payment solution for major telecommunications companies like Maxis, Celcom, and Digi; insurance providers such as Zurich, AIA, and Prudential; and utility companies including TNB and Air Selangor, demonstrating its versatility and reliability across different industries.
JomPAY has also gained significant traction among educational institutions, government agencies like LHDN and JPJ, and numerous property management and retail companies throughout the country.
Which Banks Support JomPAY?
JomPAY is supported by an extensive network of banks including Affin Bank Berhad, Agrobank, Alliance Bank Malaysia Berhad, Al-Rajhi Banking & Investment Corporation, AmBank, Bank Islam Malaysia Berhad, Bank Kerjasama Rakyat Malaysia, Bank Muamalat, Bank of America Malaysia, MUFG Bank, Bank Simpanan Nasional, BNP Paribas, CIMB Bank, Citibank, Deutsche Bank, Hong Leong Bank, HSBC, ICBC, J.P. Morgan Chase, Kuwait Finance House, Maybank, Mizuho Bank, OCBC Bank, Public Bank, RHB Bank, Standard Chartered Bank, Sumitomo Mitsui Banking Corporation, and United Overseas Bank (UOB). Each bank has dedicated support channels for JomPAY-related inquiries and assistance.
| Bank Name | Support Email |
|---|---|
| Affin Bank Berhad | [email protected] |
| Agrobank | [email protected] |
| Alliance Bank Malaysia Berhad | [email protected] |
| Al-Rajhi Banking & Investment Corporation | [email protected] [email protected] [email protected] |
| AmBank (M) Berhad | [email protected] |
| Bank Islam Malaysia Berhad | [email protected] |
| Bank Kerjasama Rakyat Malaysia | [email protected] |
| Bank Muamalat Malaysia Berhad | [email protected] |
| Bank of America Malaysia Berhad | [email protected] |
| Bank of Tokyo-Mitsubishi UFJ (Malaysia) | [email protected] |
| Bank Simpanan Nasional | [email protected] |
| BNP Paribas Malaysia Berhad | [email protected] |
| CIMB Bank Berhad | [email protected] |
| Citibank Berhad | [email protected] |
| Deutsche Bank (Malaysia) Berhad | [email protected] [email protected] |
| Hong Leong Bank Berhad | [email protected] |
| HSBC Bank Malaysia Berhad | [email protected] |
| Industrial and Commercial Bank of China (ICBC) | [email protected] |
| J.P. Morgan Chase Bank Berhad | [email protected] |
| Kuwait Finance House | [email protected] |
| Maybank Berhad | [email protected] |
| Mizuho Bank (Malaysia) Berhad | [email protected] |
| OCBC Bank (Malaysia) Berhad | [email protected] |
| Public Bank Berhad | [email protected] |
| RHB Bank Berhad | [email protected] |
| Standard Chartered Bank Malaysia Berhad | [email protected] |
| Sumitomo Mitsui Banking Corporation Malaysia | [email protected] |
| United Overseas Bank Berhad (UOB) | [email protected] [email protected] |
What Are The Features Of JomPAY?
JomPAY offers features including free transactions, secure payment processing, and future-dated payment options through Connect Online. The system provides immediate payment acknowledgment when transactions are made during banking hours, ensuring efficient processing for both customers and businesses.
How Does Payment Processing Work?
JomPAY payments are acknowledged by the business or Biller and the Bank on the same day if made before the bank’s cut-off time on a Banking Business Day. Payments made after the cut-off time or on weekends and public holidays are processed on the next banking business day. Users should check with their specific bank for exact cut-off times.
What Are The Transaction Limitations?
While JomPAY is free to use, some billers may impose maximum limits on payment amounts, particularly for credit card transactions. These limitations vary by biller and payment method, so customers should verify specific restrictions with their billers and banks.
What Is The Difference Between JomPAY And DuitNow?
JomPAY and DuitNow are distinct payment services within Malaysia’s national payment infrastructure, with JomPAY specifically designed for bill and invoice payments through participating banks’ online platforms, offering a structured approach to recurring payments and business transactions. DuitNow, on the other hand, operates as a real-time retail payment platform that enables instant fund transfers using various identifiers such as mobile numbers, IC numbers, or business registration numbers, making it more suitable for person-to-person transactions and immediate payments.
The two services complement each other within Malaysia’s digital payment ecosystem, with JomPAY focusing on scheduled bill payments and established merchant relationships through fixed biller codes and reference numbers, while DuitNow emphasizes speed and flexibility in fund transfers between individuals and businesses using simple identifiers. DuitNow transactions are typically executed during promotional periods through participating banks’ digital platforms, whereas JomPAY operates continuously as a standardized bill payment infrastructure supported by the banking network.
