Frequently Asked Questions

1.   What is JomPAY?

JomPAY is Malaysia’s national bill payment scheme established and operated by Payments Network Malaysia Sdn Bhd (PayNet),under the auspices of Bank Negara Malaysia with the participation of banks and large billers. JomPAY establishes an accessible bill payment eco-system for consumers, banks and billers, where customer of 42 banks in Malaysia can pay bills anywhere and anytime.   

JomPAY is the preferred way of collecting payment from customers for business and billers.   

For businesses and billers, using JomPAY to collect payments from customers saves time and money, improves cash flow, and makes reconciliation of incoming payments easier. This Brand Guideline provides information on JomPAY brand standards and how the brand is to be used for communication across all mediums.

2.   What can JomPAY do for me?

With JomPAY, you can pay any bill through the Internet or Mobile Banking service of 40* Banks in Malaysia using funds from your Savings, Current or Credit Card accounts. It’s fast, safe, and convenient

3.   Is JomPAY free?

Yes, JomPAY is absolutely FREE for customers who are making bill payments

4.   Do I have to register before making payments with JomPAY?

No registration is required with JomPAY. However, you must have Internet or Mobile Banking access at one of the 40* Banks. For more information on obtaining Internet or Mobile Banking access, please contact your Bank

5.   How do I make payment via JomPAY?

Just look for the JomPAY logo on your bill or invoice and logon to your preferred Internet or Mobile banking and pay

6.   What is Biller Code?

A Biller Code is a unique number to identify a JomPAY Biller

7.   What is Ref-1?

Ref-1 is a unique number used by your Biller to identify you or your bill. Ref-1 is printed next to the JomPAY logo on your bill

8.   Why does Ref-1 change in some subsequent bills/invoices?

Ref-1 could be either fixed or variable depending on the needs of Billers. In most cases, Ref-1 is fixed

9.   How is JomPAY different from existing bill payment service of my bank?

At present, the number of Billers available for you to pay differs significantly across Banks. You may not be able to make payments to a Biller if the Biller is not available at your Bank’s Internet & Mobile Banking channel. JomPAY creates an accessible and inclusive bill payment eco-system for consumers, Banks and billers so that all JomPAY Billers are available to all customers of 40 Banks in Malaysia

10.   Is there a limit for JomPAY payment?

Some Billers may impose a limit on the amount payable via certain accounts such as Credit Card accounts. Additionally, since JomPAY transactions are performed at Internet or Mobile Banking, a daily Internet Banking limit may be imposed by your Bank

11.   Can I set a future dated payment?

Yes, you will be able to schedule a payment to occur on a future date

Terms & Conditions

Click here to download Terms & Conditions (Effective 28 November 2022)

Click here to download Terms & Conditions

Terms and Conditions for JomPAY on ATM (Effective 21 August 2019)

Terms and Conditions of JomPay on Internet and Mobile Banking (Effective 22 May 2020)