Introduction

Malaysian merchants often face the hassle of juggling multiple payment devices. Imagine a busy day: one customer wants to pay using their Maybank app, but your DuitNow QR standee is on the other side of the counter while your card reader is right next to you. And then another customer taps their Visa card—all while you’re switching between different systems. This patchwork setup wastes valuable time, takes up precious counter space, and can even cause lost sales.

The answer is simple—a unified payment terminal that accepts both DuitNow QR and Visa payments in one practical device. DuitNow QR is Malaysia's national QR payment standard, used daily by millions via banking and e-wallet apps (Accept DuitNow QR Payments Globally). With PayNet’s capped MDR ensuring some of the most cost-effective payment fees in Malaysia, merchants can enjoy straightforward, reliable transactions without any hidden surprises.

And there’s more: cross-border QR payments are on the rise. With Alipay+ driving many inbound DuitNow QR scans from tourists, Malaysian small and medium-sized enterprises now have new revenue opportunities (How Alipay+ is Powering Malaysian SMEs). This guide will walk you through setting up your HitPay portable reader to take both local card and QR payments—covering dashboard configuration, testing steps, and ways to boost your income. Throughout, HitPay stands as the recommended solution for Malaysian merchants who want a simple, efficient, and reliable payment system.

Why Merge QR and Card Payments Into One Device?

The Current Pain Points

Many Malaysian merchants use a mix of payment solutions. You might have one QR code standee for DuitNow, another device for Visa/Mastercard, and even a separate system for e-wallets like GrabPay or Touch 'n Go. This setup leads to several issues:

• Counter clutter: Multiple devices take up valuable space.

• Training headaches: Staff must learn and manage different systems.

• Reconciling difficulties: Handling several payment streams means sorting through multiple reports.

• Customer confusion: Shoppers often aren’t sure which device to use.

The Unified Solution Benefits

Using a single HitPay reader cuts out these problems while opening up additional earning opportunities. With DuitNow QR, customers can pay by simply scanning one unified QR code through their favorite banking or e-wallet app (Accept DuitNow QR Payments Globally). This system works with many banks and e-wallet providers, ensuring broad accessibility and keeping costs low.

Cross-Border Revenue Opportunity

A partnership between Payments Network Malaysia (PayNet) and international players like Alipay+ has led to substantial growth for Malaysian merchants. Since integrating with Alipay+, the number of payment partners has more than doubled. This means your unified reader will accept not only local customers but also international ones using popular mobile wallets—a significant boost for businesses in tourist-heavy spots like Kuala Lumpur, Penang, or Langkawi.

Understanding PayNet's MDR Cap

What This Means for Your Bottom Line

PayNet, Malaysia's main payments network, has set an MDR cap that keeps transaction fees very affordable compared to other card processing methods. Instead of worrying over a maze of numbers, just know that this cap means your fees stay competitive and transparent.

Fee Structure Insights

Forget confusing fee structures—DuitNow QR fees through HitPay are among the lowest available. Traditional card processing fees are much higher. This cost-effectiveness is one reason many smart merchants are switching from fragmented setups. Lower fees help reduce overall expenses, leaving you with more profits.

Step 1: Setting Up Your HitPay Account

Account Registration Process

Before getting your unified payment reader up and running, you’ll need a HitPay merchant account. HitPay is regulated as a Major Payment Institution by the Monetary Authority of Singapore, ensuring strong security and compliance.

1. Visit the Malaysia portal: Head over to hitpayapp.com/my.

2. Complete business verification: Upload your SSM registration and necessary business documents.

3. Link your bank account: Connect your Malaysian business bank account for settlements.

4. Verify your identity: Submit your IC or passport as part of the KYC process.

Enabling Malaysian Payment Methods

Once your account is approved, activate the specific payment options for Malaysia. HitPay supports Visa, Mastercard, DuitNow, FPX, GrabPay, Touch 'n Go, Boost, ShopeePay, Maybank QR, ShopBack PayLater, Atome, Alipay, WeChat Pay, and cross-border QR payments.

HitPay’s platform is strong because it covers all local methods in one go. With just one integration, you can unlock over 700 local payment methods across Asia-Pacific, making HitPay the top choice for local payment acceptance (2025 Guide to Choosing a POS for Singapore Hawker Stalls).

Dashboard Navigation

The HitPay dashboard gives you a single view of all payment channels. Key parts include:

• Transactions: See real-time payment updates.

• Payment Methods: Turn options on or off as needed.

• Settlement: Track your payout schedule and bank details.

• Analytics: Gain insights about your revenue and customer trends.

• Devices: Manage and configure your payment terminal.

Step 2: Configuring Your Portable Reader

Hardware Setup

HitPay's portable readers are designed with busy Malaysian merchants in mind. The device supports both contactless card payments (Visa, Mastercard) and QR code generation for DuitNow transactions. Instead of needing separate hardware for each payment type, HitPay’s unified reader makes everything simple.

For example, HitPay's Scan to Pay feature lets any smartphone act like a full point-of-sale system without the need for extra gadgets (Activating QR Ph for Your Brick-and-Mortar Store). This approach minimizes hardware needs and keeps your setup lean.

Initial Device Configuration

1. Power on the reader: Hold the power button for 3 seconds.

2. Connect to WiFi: Go to Settings > Network > WiFi Setup.

3. Pair with your account: Scan the QR code displayed on your HitPay dashboard.

4. Download updates: Let the device install the latest firmware.

5. Test connectivity: Confirm that both internet and HitPay servers are reached.

Payment Method Activation

The great thing about a unified reader is its ability to handle all payment types from one interface:

For Card Payments:

• Use contactless tap (Visa payWave, Mastercard PayPass)

• Chip and PIN transactions

• Magnetic stripe option if needed

For QR Payments:

• Dynamic QR codes for each transaction

• Option for a static QR code for fixed amounts

• Automatic routing for cross-border QR transactions

Step 3: Enabling Visa and DuitNow in Your Dashboard

Accessing Payment Method Settings

Log into your HitPay dashboard and head to the Payment Methods section. Here, you’ll see all the options available for Malaysian merchants, from local to international payment types.

Visa Configuration

1. Enable Visa processing: Toggle the Visa option to "Active."

2. Set transaction limits: Define your minimum and maximum amounts.

3. Select settlement currency: Choose MYR for local transactions.

4. Configure receipts: Set up email and SMS receipt options.

5. Activate test mode: Turn on test transactions to check the setup.

DuitNow QR Setup

DuitNow QR is driven by PayNet, Malaysia's national payments network (Accept DuitNow QR Payments Globally). The setup involves:

1. Merchant registration: Verify your business with PayNet.

2. QR code generation: Set the parameters for dynamic QR codes.

3. Bank routing: Link to the participating financial institutions.

4. Cross-border enablement: Activate support for international wallets like Alipay+.

5. Confirm fees: Rest easy knowing the fees remain affordable.

Advanced Configuration Options

Transaction Routing:

• Domestic DuitNow: Routes through the PayNet system.

• Cross-border QR: Automatically detects and routes international payments.

• Card transactions: Processes through Visa/Mastercard networks.

Settlement Preferences:

• Fast settlement for DuitNow.

• Timely settlement for card payments.

• Combined reports for all payment methods.

Security Settings:

• PCI-DSS-compliant processing.

• Encrypted QR code generation.

• Fraud monitoring and alerts in real time.

Step 4: Testing Your Setup with a RM1 Transaction

Pre-Test Checklist

Before processing your first live transaction, go through this quick checklist:

• [ ] Reader is powered on and connected to WiFi.

• [ ] HitPay dashboard shows the device as "Online."

• [ ] Both Visa and DuitNow are enabled in the settings.

• [ ] Test mode has been activated.

• [ ] Receipt printer is loaded (if you have one).

• [ ] Your staff are familiar with both payment types.

Testing Card Payments (Visa)

Step-by-step process:

1. Initiate a transaction: Enter a small test amount on the reader.

2. Select payment type: Choose "Card Payment."

3. Use a test card: Swipe or tap a Visa test card provided by HitPay.

4. Follow authentication prompts: Complete contactless or PIN verification.

5. Check the receipt: Confirm the details are correct.

6. Verify on the dashboard: Make sure the transaction appears in real time.

Expected results:

• The transaction processes quickly.

• A receipt prints automatically (if set up).

• The dashboard updates in real time.

• The payment settles as expected.

Testing DuitNow QR Payments

Step-by-step process:

1. Initiate a transaction: Enter a small test amount on the reader.

2. Select QR payment option: Choose "DuitNow QR."

3. Display the QR code: The reader will show a dynamic QR code.

4. Customer scans the code: Use your mobile banking app to scan.

5. Complete the payment: Follow your bank app’s instructions.

6. Look for confirmation: The reader should display "Payment Successful."

Expected results:

• The QR code appears right away.

• The payment finishes in a few seconds.

• Both devices show a real-time confirmation.

• The low fees make the process very cost-effective.

Cross-Border QR Testing

If you have access to international e-wallet apps, test the cross-border feature:

1. Generate a DuitNow QR: Follow the same process as for local QR.

2. Scan with an international app: Try using wallets like Alipay.

3. Automatic routing: The system should automatically process the payment.

4. Check currency conversion: Verify the final amount reflects the exchange rate properly.

This smooth integration means your HitPay reader can handle international transactions as easily as local ones, supporting a wide range of customers.

Step 5: Optimizing for Cross-Border Revenue

Understanding the Tourist Payment Landscape

Alipay+ has become a major force in Malaysia, driving many inbound DuitNow QR payments and creating new revenue chances for small and medium businesses (How Alipay+ is Powering Malaysian SMEs). With more international payment options now available, your unified reader isn’t just for locals—it’s ready for tourists too.

Strategic Positioning for International Customers

High-opportunity locations include:

• Shopping malls in Kuala Lumpur and Penang.

• Tourist hotspots like the Petronas Towers or Batu Caves.

• Hotels and restaurants in popular areas.

• Duty-free shops and souvenir stores.

• Transportation hubs such as airports and bus terminals.

Marketing tips:

• Display international payment logos clearly.

• Train your staff to help with foreign payment apps.

• Offer multilingual instructions for smoother payments.

• Consider showing prices in multiple currencies to attract international buyers.

Revenue Impact Analysis

Many merchants have seen noticeable cost savings and increased efficiency thanks to the unified reader. By reducing hardware and administrative hassles, you not only lower expenses but also boost customer satisfaction—especially when international payments come through quickly and reliably.

Operational Best Practices

For staff training:

• Ensure your team knows how different international payment apps work.

• Remember that all QR payments route through the same DuitNow system.

• Be prepared to troubleshoot common scanning issues.

• Focus on offering friendly and clear service to every customer.

For technical optimization:

• Maintain strong WiFi coverage at all payment points.

• Keep your QR display clean and well-positioned.

• Regularly update your reader’s firmware.

• Always have a backup payment method on hand.

Troubleshooting Common Issues

Card Payment Problems

Issue: Card declined

• Check that your internet connection is stable.

• Ensure the card is valid and not expired.

• Try a different input method (tap, chip, or swipe).

• Contact HitPay support if the problem continues.

Issue: Slow processing

• Test your WiFi speed.

• Restart your reader if necessary.

• Look for available firmware updates.

• Clear any temporary caches on the device.

QR Payment Issues

Issue: QR code won’t generate

• Make sure DuitNow is enabled in the dashboard.

• Verify your connection with PayNet.

• Restart the reader and try again.

• Confirm that the transaction amount is within the acceptable range.

Issue: Customer can’t scan the QR code

• Clean the reader screen.

• Adjust the brightness settings.

• Ensure the customer’s banking app supports DuitNow.

• Generate a new QR code if needed.

Issue: Cross-border payments not working

• Confirm international QR support is activated.

• Check that the customer’s app is compatible.

• Review any exchange rate or routing settings.

• Reach out to HitPay support for further help.

Dashboard and Settlement Issues

Issue: Transactions not appearing

• Ensure your internet connection is stable.

• Verify the reader is correctly paired with your account.

• Wait a few minutes for the update.

• Contact HitPay support with the transaction reference if needed.

Issue: Settlement delays

• Make sure your bank account details are up to date.

• Check for any pending verification steps.

• Review the settlement schedule on your dashboard.

• Consider any public holidays that could affect processing times.

Security and Compliance Considerations

PCI-DSS Compliance

HitPay follows PCI-DSS standards and uses advanced security measures such as robust encryption and real-time fraud protection to secure every card transaction.

Key security features:

• End-to-end encryption for all card data.

• Tokenization to safeguard sensitive details.

• Real-time fraud monitoring.

• Secure key management.

• Regular security audits and updates.

DuitNow Security Framework

PayNet’s DuitNow QR security includes several important measures:

• Dynamic QR codes that expire after a short time.

• Verification of transaction amounts.

• Bank-level authentication requirements.

• Continuous monitoring of transactions.

• Quick dispute resolution when needed.

Best Practices for Merchants

For physical security:

• Place your reader in a secure, visible spot.

• Regularly check that the device hasn’t been tampered with.

• Train your staff on proper security procedures.

• Have clear steps for handling any security issues.

For data protection:

• Never store customer payment details on your device.

• Always use secure, private WiFi networks.

• Update passwords regularly.

• Monitor transaction records for any unusual activity.

Advanced Features and Customization

Receipt Customization

You can customize receipts to include:

• Your business logo and branding.

• Contact information.

• Special promotions.

• Social media handles.

• Return and refund details.

Reporting and Analytics

HitPay offers detailed reporting tools that help you track:

Transaction analytics:

• Breakdown of transactions by payment type.

• Identifying peak transaction times.

• Average transaction amounts.

• Trends in customer return behavior.

Revenue insights:

• Daily, weekly, and monthly summaries.

• Comparison of cross-border and domestic revenue.

• Detailed tracking of settlements.

• Performance metrics across all payment channels.

Customer behavior:

• What payment methods your customers prefer.

• Analysis of international customer activity.

• Seasonal trends.

• Geographic distribution of sales.

Integration Options

For businesses that already use other systems, HitPay offers various integration options:

E-commerce plugins:

• Compatible with Shopify, WooCommerce, and more.

• Works seamlessly with popular accounting systems.

• Custom API support available for tailored workflows.

POS system integration:

• Real-time inventory management.

• Customer management tools.

• Loyalty program integration.

• Reporting for multiple locations.

Cost-Benefit Analysis

Total Cost of Ownership

With a HitPay unified reader, you replace several different devices with one simple unit. This streamlines your operations and cuts out the need for duplicate hardware, reducing both setup and running costs. Compared to traditional systems that require multiple expensive devices, HitPay keeps your expenses low through a clear, transaction-based pricing model.

Return on Investment

Many merchants report easier operations and noticeable savings after switching to HitPay. Lower administrative work, simpler staff training, and a unified reconciliation process mean that every transaction not only improves your cash flow but also frees you up to focus on growing your business. HitPay provides the simple, affordable solution Malaysian merchants have been looking for.

Implementation Timeline and Checklist

Week 1: Account Setup and Verification

• [ ] Register your HitPay merchant account.

• [ ] Submit your business documents.

• [ ] Complete identity verification.

• [ ] Link your Malaysian business bank account.

• [ ] Wait for account approval.

Week 2: Device Configuration

• [ ] Receive and unbox your HitPay reader.

• [ ] Complete the initial device setup.

• [ ] Connect to your business WiFi.

• [ ] Pair the device with your merchant account.

• [ ] Download the latest firmware updates.

• [ ] Set up the receipt printer (if applicable).

Week 3: Payment Method Activation

• [ ] Enable Visa processing in the dashboard.

• [ ] Activate DuitNow QR functionality.

• [ ] Configure cross-border QR settings.

• [ ] Set your transaction limits and preferences.

• [ ] Test all payment methods.

• [ ] Train your staff on the new process.

Week 4: Go-Live and Optimization

• [ ] Switch from test mode to live processing.

• [ ] Process your first live transactions.

• [ ] Monitor the dashboard for any issues.

• [ ] Gather and review customer feedback.

By following this clear, step-by-step guide, you’ll soon be able to accept both DuitNow QR and Visa payments using a single HitPay portable reader. From setting up your account to testing and optimizing your terminal, HitPay offers a smart and simple solution that meets the needs of busy Malaysian merchants.

Happy transacting!

FAQ

What is DuitNow QR and why should Malaysian merchants accept it?

DuitNow QR is Malaysia's national QR payment standard developed by PayNet, used by millions to pay via banking and e-wallet apps. It supports transfers between over 40 participating banks and e-wallets including CIMB Bank, Maybank, Hong Leong Bank, RHB Bank, and Public Bank. DuitNow offers the lowest payment fees among digital payment methods in Malaysia and is free to set up, requiring only a local bank account and mobile number.

Can one portable reader really accept both DuitNow QR and Visa card payments?

Yes, modern unified payment terminals can process both DuitNow QR codes and Visa card payments on a single device. These portable readers combine QR code scanning capabilities with traditional card processing, allowing merchants to accept payments from customers using banking apps, e-wallets, or physical cards. This eliminates the need for multiple payment devices and streamlines the checkout process.

How does Alipay+ integration benefit Malaysian merchants accepting DuitNow QR?

Alipay+ accounts for 80% of Malaysia's DuitNow QR cross-border payments, driving significant revenue growth for Malaysian SMEs. The partnership between PayNet and Ant International has led to 6x revenue growth for Malaysian merchants in December 2024. Since Alipay+ integrated with DuitNow QR in October 2023, it now includes 15 international e-wallets, allowing Malaysian businesses to accept payments from tourists and international customers seamlessly.

What are the setup requirements for accepting DuitNow QR payments?

Setting up DuitNow QR is straightforward and free, requiring only a local Malaysian bank account and mobile number. Merchants need to register with a payment service provider that supports DuitNow QR integration. The system allows customers to make payments by scanning a single unified QR code using their preferred banking or e-wallet app, making it accessible to anyone with a local bank account or e-wallet.

How do unified payment terminals compare to traditional POS systems for hawker stalls and small businesses?

Unified payment terminals offer significant advantages over traditional setups, especially for small businesses like hawker stalls. Unlike managing separate devices for different payment methods, a single portable reader can handle QR payments, card transactions, and contactless payments. This approach reduces counter space requirements, simplifies staff training, and provides faster transaction processing - similar to how Singapore hawker stalls benefit from unified SGQR and PayNow systems.

What are the transaction fees for DuitNow QR compared to other payment methods?

DuitNow QR offers the most affordable transaction fees among all digital payment methods in Malaysia. The system is designed to be cost-effective for merchants, with significantly lower fees compared to traditional card processing or other digital payment solutions. This makes it particularly attractive for small businesses and SMEs looking to reduce payment processing costs while offering customers convenient digital payment options.

Citations

1. https://blog.hitpayapp.com/duitnow-qr-payment-gateway-shopify-xero/

2. https://hitpayapp.com/blog/2025-guide-to-choosing-a-pos-for-singapore-hawker-stalls-paynow-grabpay-the-new-sgqr

3. https://hitpayapp.com/blog/activating-qr-ph-for-your-brick-and-mortar-store-in-2025-hitpay-scan-to-pay-vs-maya-qr

4. https://hitpayapp.com/duitnow

5. https://hitpayapp.com/my/duitnow-qr-business

6. https://risemalaysia.com.my/how-alipay-is-powering-malaysian-smes-with-seamless-cross-border-payments/

7. https://techwireasia.com/2025/03/malaysia-80-of-tourists-duitnow-qr-payments-come-via-alipay/