We're Here to Support You!
New to Mobypay? Mobypay is a payment option based on the “buy now pay later” method provided to retailers to offer their customers with a simple, straightforward interest free installment plan upon checkout. Our policies are created to promote responsible financial behaviour which includes helping our users maintain a positive cash flow, stay on track with their repayment schedule and be credit ready at all times.
Mobypay is a “buy now pay later” payment method. In contrast to that of a credit card, all purchases made using Mobypay will be converted to short term interest-free easy payment installments to help you manage your monthly cash flow better. However, if you do wish to increase your account spending limit, help us understand you better by uploading the relevant documents in your dashboard.
No, the credit line extended by Mobypay is separate from your credit card. Purchases made using Mobypay will also not affect your credit card balance unless you utilise your credit card to repay your Mobypay installments. If this is your choice of installment repayment, your monthly installments will be deducted from your credit card via auto-debit. However, we would advise you to not opt for this payment option if you have the habit of making a minimum payment every month to your credit card account. We hope that Mobypay could be a tool for you to achieve financial wellness instead of burdening you with new debt.
Don't worry. We make it our business to make paying as easy as possible for you. Just purchase your desired products from our list of retailers and select Mobypay as your desired payment method. You will then be redirected to your Mobypay account to complete the payment. However, as with all financing facilities, you must be an existing user of the facility. Hence, do register for your Mobypay account at www.mobypay.my.

Awesome! This is probably one of the best financial decisions you have made in terms of developing responsible financial habits.
Do visit www.mobypay.my and fill in the online form to set up your Mobypay account. While approval is instant, you are required to verify your account by providing the following documents to obtain a suitable spending limit:
1. National Identity Card
2. Bank Statement
3. Salary payslip
4. EPF statement
5. Proof of address – upload telco or utility bill which must be under your name

We apologise for the inconvenience. We do our best to ensure that Mobypay adheres to the highest standard of the evaluation process when we consider extending a shopping limit to our customer. This is in line with our mission to impart responsible financial behaviour. Therefore, in order to successfully open a Mobypay account, we will access your repayment ability based on your existing Credit Bureau credit report, previous financial patterns, etc. Extending our credit line to a person who is already finding it challenging to repay existing financial commitments is against our responsible financial behaviour policy and may add to the financial burden of that individual. However, if you do believe that you should receive a Mobypay account, do email us at customercare@mobypay.my

Don't worry, we got your back!
But firstly, make sure you are using the same email address to log in to Mobypay that you gave us when you registered for the account.
Email to customercare@mobypay.my that you are not able to login and our friendly customer service executives will guide you to gain access to your account.
You may click this link Forget Password to reset your password
Please email us at customercare@mobypay.my.
We understand that you may have multiple financial commitments and various bills with different billing cycles to take care of. To make it easier for you to stick to your payment plan, we have made it compulsory for all Mobypay users to subscribe to our auto-debit facility. As such, your first installment will be auto deducted from your bank account upon checkout while the rest of the installments will be auto-deducted from your bank account every 30 calendar days. All you need to do is to ensure that there are enough funds in the account for the deduction.
All Mobypay users can enjoy 3 monthly installments. If you help us understand you better, you may increase your account spending limit. Find out more.
No, we do not charge any interest fee on your installment payment. However, a processing fee may be charged if you are unable to repay the monthly installments.
We accept both debit and credit cards.
If your payment is outstanding, you will be given a grace period of 48 hours to make the necessary arrangements to ensure that there are sufficient funds in your banking account for auto- debit or to change the repayment method.
During the stipulated grace period, you will be receiving email/ telephone reminders for the necessary arrangements to be made.
After the grace period, and your payment still has not gone through, you will be charged a processing fee which was initially waived for the first three months.
We encourage you to pay your installments promptly as your repayment history will be reviewed by our system for future purchases.
Mobypay is committed to imparting the value of responsible financial behaviour to all our users. This includes helping users stay on track with a repayment schedule. You will be given another grace period of 5 days to make the necessary repayment arrangements. During the grace period, the system will prevent you from making any further purchases using Mobypay Buy Smarter Pay Later method to ensure that your debt does not exceed your repayment capability. If you have exceeded the grace period, and your payment still has not gone through, you will be charged a processing fee which was initially waived for the first three months together with a late payment fee. We highly encourage you to be timely with your payments to avoid any late payment charges. MobyPay always advocates responsible spending.
Mobypay is committed to imparting the value of responsible financial behaviour to all our users. We provide the "buy now pay later" payment option so that our users may purchase and enjoy the items they desire whilst still maintaining a positive cash flow every month.

If you are unable to repay one monthly installment, the system is auto-configured to prevent you from making more purchases via Mobypay to get you back on track.

In order to help you gain control of your money, we would like to work with you on an alternative repayment plan so that you may continue to enjoy Mobypay Buy Smarter Pay Later the moment you are back on track financially. Please email us at customercare@mobypay.my for further discussion.
Mobypay is committed to imparting the value of responsible financial behaviour to all our users and not paying your bill
on time does not reflect financial responsibility.
Therefore, this will be reported to various Credit Bureaus in Malaysia under trade reference. This negative remark may
prevent you from securing future financial assistance from other financial institutions until you have repaid your debt.
Mobypay provides its users with the convenience of the “buy now pay later” payment method and is not involved in the delivery of items. Do get in touch with the retailer if the delivery is taking longer than expected.
However, if the cancellation of your order has been mutually agreed upon between you and Mobypay retailer, please
contact us at refund@mobypay.my .
Mobypay provides its users with the convenience of the “buy now pay later” payment method and is not involved in the delivery of items. If you have selected Mobypay as your payment option, full payment has been paid on your behalf and the monthly installments will be auto-deducted from your banking account. Do get in touch with the retailer for the necessary replacement. The retailer's return policy applies. However, if the cancellation of your order has been mutually agreed upon between you and Mobypay retailer but your payment has yet to be auto-reversed, do email refund@mobypay.my.
Mobypay provides its users with the convenience of the “buy now pay later” payment method and is not involved in the
delivery of items. Do get in touch with the retailer to make the necessary arrangement. The retailer's return policy
applies.
Mobypay does not provide a guarantee for the quality of the product and services delivered to you.
If you have selected Mobypay as your payment option, full payment has been paid on your behalf and the monthly
installments will be auto-deducted from your banking account. Do get in touch with the respective retailer for any
refund. The retailer's refund policy applies. However, if the cancellation of your order has been mutually agreed upon between you and Mobypay retailer but your payment has yet
to be auto-reversed, do email us at refund@mobypay.my
When you have cancelled your order or returned the goods, the retailer needs to verify that you have fulfilled their return/refund policy and refund the payment to us. Until the full refund is made to us, the monthly installments will still be auto-debited from your bank account. We will refund all the
payments that have been made when we have received the full refund from the retailer.
If you have any further enquiries, do email refund@mobypay.my