As per topic, can we use Apple Pay in Malaysia?


Minimum requirement for Apple Pay:
1. iPhone 6 and Above.
2. iPad 5th Gen and Above.
3. Apple Watch Series 3 and above.

Apple Pay Support List: (Credit to yenchenje! Thx!)
https://docs.google.com/spreadsheets/d/1-0T...NxhI/edit#gid=0

This post has been edited by shyan90's: Aug 9 2022, 12:07 PM

already got paywave still want apple pay for what? you know all these actually cost money for the retailers etc to implement? who is going to pay for all this just to make apple rich?

anyway, answer is no

This post has been edited by happyking4ever: Sep 28 2016, 04:16 PM

Rumor has it that it's coming around end of this year, about the same time as the Samsung Pay. Paywave is the first step of cashless payments.

hOpe so...

not yet, but alternatively if you do own android phone can use maybankpay

yea lol.. saw it on youtube

edit :
(idk if this is gonna work)
TS maybe u can try if this method,
more like prepaid card but need to topup to GBP currency
technically MYR > GBP > MYR
so just calculate the transaction costs / currency / exchange cost. is it worth it?
http://www.redmondpie.com/how-to-use-apple...d-country-bank/

This post has been edited by jzack: Sep 30 2016, 11:03 PM

Not coming anytime soon. Samsung Pay makes so much more sense as retailers don't have to upgrade/add-on another POS device.

VISA paywave is also good, been using it way too much at McDonalds and AEON big hahaha.

If apply Apple Pay does not need to upgrade the machine.. it bet there is a lot of ppl using it now

Actually it is only here in Malaysia and a few other countries where retailers have to buy the POS system. Other countries the banks are the issuers and providers of the POS and its free for the retailers. Hence it is easier for them to adopt. Sadly in Malaysia iOS users only accounts for 10% of the smartphone market.

iPhone 7 has NFC?

Since 6 got already lo...walau eh

Oh those Youtube videos bashing iPhone 7 is not correct then

Even it got NFC..tapi it is for Apple Pay use only. They no open the NFC source to others developer..
So ade mcm xde.

What bank at the moment?

Hey brother, don’t take your own thinking as a fact la....

Do some research how does contactless payment works. Apple Pay, Android Pay or Samsung Pay almost works on all existing PayWave / PayPass terminal as long as local banks in your country makes your Apple device supported with their bank.

Apple Pay uses NFC technology to simulate as additional paywave card wirelessly instead of physically.

Your phone just act like a tag.

If your phone lost, call bank to remove your phone from your linked bank card withour replacing new atm/debit/credit card. It makes your life easier and not making apple rich.

Sounds like Android fanboys making noise here. The mechanism of contactless pay info available on internet.

Hope this helps you gain your knowledge and minimizing peoples got mislead by your statement.

Resources: iPhone Apple Pay user in Singapore.

This post has been edited by Juno_wong: Dec 25 2017, 12:52 AM

Yes, Apple Pay use the same technology as visa paywave/Mastercard Paypass. So if POS already support contactless transaction, by right they do not have to upgrade the POS.

Looking forward for this. Meaning to say no more wallet in the future. Phone alone will do all the thing

When I was in UK, I was able to use my apple watch to make any purchasing. It's kinda cool though. I wish apple pay is in malaysia already

sure continue to dream that apple does not get a cut of your purchase cost as their profit

Apple Watch to make payment sounds cool do u need to have your phone around it?

Im using series 1 so i need my phone around. Im not sure about series 2 or 3. It does pretty cool though

I think series 2 and 3 gps needs the phone to be with you too.. unless LTE which we are not getting it in our country..

Yeah i think so. But still it is quite easy since u dont need to take out your phone to make any purchase

Yeap more like it's cool to pay using your watch

Apple Pay on Apple Watch does not require your iPhone to be with you. As long as you’ve added the card into the watch, you can use it without the phone. To activate Apple Pay on Apple Watch, the watch needs to be unlocked with passcode.

Apple Pay can be used in Malaysia already in any retailers that accept PayWave / PayPass. No additional hardware is required by the retailer. No Malaysian banks currently offer Apple Pay so you need an overseas Apple Pay account to use Apple Pay here in Malaysia.

I have been using Apple Pay on my iPhone or Apple Watch here in Malaysia to make contactless payments with no troubles. My Apple Pay account is linked to an Australian bank. Every time I pay with Apple Pay, the retailers are always surprised that it works.

This post has been edited by evofitpt: Jan 5 2018, 11:44 PM

would luv to try Apple Pay on my Apple Watch Series 3 in Malaysia. Have been using it in US and Singapore without any issue.
I see great potential in Malaysia to expand the acceptances.

This post has been edited by Mackiddo: Jan 7 2018, 01:14 PM

is it because your apple pay is linked to Australian bank? Im wondering Malaysian bank account will work

Yes, I have used it in Singapore and Taiwan. I haven’t tried it in the US yet, but it should work.

Yes, it’s linked to an Australian bank account which supports Apple Pay. Not all bank accounts in Australia supports Apple Pay. Of the 4 big banks, only ANZ does. Many smaller banks in Australia like ING Bank supports it too.

It won’t work with any Malaysian bank accounts at the moment because none supports it yet.

Any overseas banks on this list provides Apple Pay to customers - https://support.apple.com/en-au/HT206638

So you can use Apple Pay in Malaysia (or anywhere that accepts PayWave / PayPass) as long as you bank with one of the banks in the list above.

This post has been edited by evofitpt: Jan 8 2018, 10:51 AM

You guys tried to use Apple Pay (Singapore or whenever supported) in Malaysia with PayWave terminal?

Yes. Any paywave terminal will be able support to Apple pay.

IIRC, it was Dome at the Curve and McD at Teluk Intan.

Didn't like the currency conversion though, since it was a Sg bank's credit card that was linked to my phone.

Anyway, looking at why banks here support Samsung pay and not Apple pay, it tells a lot about phone ownership here in Malaysia. We just happen to have more Samsung phones in Malaysia market, period. If we have more Apple phones in the market, credit card operators will just support Apple pay.

Wow interesting, thanks for the confirmation. hmmm but we have a lot of iPhone too especially in the LRT/MRT you can see it a lot. Was thinking maybe Samsung did some exclusive contract with the banks... Was expecting Apple Pay to come here sooner since it is already available in SG since 2016 i think... usually will come to malaysia soon after.

Currently we have Maybank/CIMB Pay that works with android NFC phone and Samsung Pay.... and the on-slaughter of QR code based mobile wallet. Hopefully Apple Pay going to land here soon.

A lot of iPhones, meh...generally, the purchasing power here ain’t to high when it comes to smartphones - I’m speaking on a whole, not just cities alone. It just makes sense to support Samsung pay or Android pay or what not cause we have more non-Apple devices here.

But come to think of it, there’s also some monetary reason why banks here don’t like to support Apple Pay, I’ll try to poke around.

One of the foreign bank’s credit card in Singapore does not support Apple Pay. There’s a reason cited somewhere, I’m keen to find out the real answer. Also, I’m working in that bank

Citibank right LOL https://support.apple.com/en-my/HT206638
they wanted to come out with their own mobile payment solution but didn't get much traction http://www.citigroup.com/citi/news/2017/17...linkId=39480508

but wow didn't know they have this in SG also basically is like Maybank/CIMB Pay in Malaysia...


Hahahaha yeah iPhone in cities LOL but kampung not much NFC/Paywave terminal in place anyway what LOL but yeah overall definitely there's more android... but if taking into account of NFC android vs iPhone 6s and above, the numbers might not be that far

but thats the reason why QR code payment is getting all the hype.... lousy android or any iPhone can support. without the need of NFC or Apple's approval

why apple did not consider malaysia market and bring in apple pay?

I guess it's more like why the banks doesn't want to implement Apple Pay instead?

Using Apple Pay in JP, very convenient for daily commuting as I loaded the phone with both Suica (something like Touch n Go) and another CC.

Apple Pay using NFC tech. either Apple not interested in Malaysia or the fee imposed for Malaysia Bank are too high per transaction compare with Samsung Pay.

That is just my guessing

Won't happen.

Apple Pay available in more countries than Samsung or Google Pay but unfortunately Malaysia is not one of those countries.

https://blog.passkit.com/list-of-countries-...nd-android-pay/

Looks like only option for Malaysians is Samsung Pay at the moment.

This post has been edited by magnor: Jun 12 2018, 09:26 PM

Additional hardware is required at the backend. For the frontend, the POS terminal might be the same, but the backend is different. Currently, bank in Malaysia haven't implement it for Apple Pay.

This is not 100% true. It is depends on the number of device users that are able to use such mobile payment. From what I knew, Samsung Pay is only available for mid to high range handset. Compare to Apple, every iPhone release since 6th generation are supported Apple pay. So, this is not a fair comparison. For infrastructure wise, Samsung pay adoption to the existing infrastructure is much higher. No additional hardware is required. it is working like normal paywave and paypass cards.

just used Apple Pay in KL last week.

mana?

sushi zanmai I think? at Lot 10 also

Wow really I guess no harm trying.btw everytime I scan my touch n go,the Apple Pay function opens up haha

Wow really? What card do you have? Mastercard/Visa/AMEX..
Would love to give it a try.

I just tried and yes it works at Aeon

I tried to add MY-issued CC to Apple Pay and it said not supported yet.
So if you want to try out Apple Pay, need to be tied with SG-issued CC and use it in MY.

What bank were you using?

More interestingly what terminal was used to receive the Apple Pay payment

Technically, as long as it can receive paywave (NFC), it should work for Apple Pay.

Apple Pay, Samsung Pay or Android Pay are all using NFC that our credit cards are using. All terminal that accept NFC or Paywave will be able to support it. Samsung Pay even support MST that it can work on terminal that can swipe card.

Reason why we still cant use Apple Pay cause Malaysia credit and debit card cant be added onto the Apple Pay.

Is either Apple never approach local banks or local banks never approach Apple. Apple never charges fees on using Apple Pay. Samsung Pay and Apple Pay work the same way so I dont see is a technology issue. And I dont see is our bank concern cause they allow for Samsung Pay.

My guess is Msia is one of the top credit card fraud country in the world so Apple is reluctant to introduce it in Msia due to security risks.

Oct 2018 and I am still sitting here waiting for Apple Pay to be available in Malaysia....

Im enjoying my samsung pay for few year already, summore have point to redeem haha, very convinence as u no need take out ur card from pocket, and directly tap ur phone to the terminal

ditto. dont think Apple Pay coming so soon. Im enjoying my Samsung Pay for now.

i want to use apple pay. someone please tell the banks and apple pls.

I tried to use apple pay in uniqlo retail store in midvalley and it works.

so any terminal with paywave function should be able to use apple pay.

just have to wait our malaysia bank to support it.

u using other countries phone and bank?

ya, using singapore credit card.

good for you

So malaysia cc still cannot use?

Malaysia bank does not support apple pay, might as well says that apple has no intention to enter Malaysia e-payment market yet.

I see.

any updates?

malaysian bank account still cannot use apple pay?

Usen boon.

Felt like second class citizen to Apple here.
No Apple Pay while so many countries have it.
Don’t have from ECG feature and HRV feature on Apple Watch.
Don’t have Applecare+ in our Malaysian Apple products.
No official Apple Store, instead we have to deal with Authorized resellers.
Anyone still remember the iPhone5 fiasco where our Malaysian units come out of the box with scratches and scuff while Apple will not honour warranty unless you purchased from Apple Online?

wah, I didn't know anything about that ip5 fiasco!??

So long since Apple Pay was announced and the local banks here still not supporting it. So disappointing!

I heard it’s because the banks here don’t want to pay the high commission cost for Apple Pay. Perhaps someone from the banking industry could confirmed.

Damn old story.

Some iPhone 5 are scuffed right out of the boxes that people are demanding that the phones be allowed for exchange.

I got a unit from Maxis that's perfectly fine thou

The number of e-wallets nowadays makes you wonder why Applr Pay is still not here.

This is probably part of why though. Since there’s so much competition already, unless the potential profits/market share are/is huge they won’t bother.

The legal/regulatory factor is not getting any easier as well. Lots of costs involved there.

Really wish they’d come in though. The local e-wallets are nowhere near as convenient (other than PayWave with cards and (some say) Samsung Pay).

i've used Apple Pay Suica (Japanese version of TnG) during my vacation in Japan, it was really convenient! I can just tap my phone to make my purchase and take public transport with it. The only thing that i can't do is reload on the go, as Apple Pay doesnt support our credit card.

This post has been edited by limchee: Dec 26 2018, 07:12 PM

Any news from banks because this is super disappointing

Yup...still waiting...

sigh

If you buy Apple product in Malaysia, after-sales support definitely sucks big time and you are stuck with third party authorized resellers. But if you are in 1st world country, like Singapore or Australia, you get 1st class service!

This post has been edited by nFiniteFX: Dec 30 2018, 06:06 PM

After living in the US for a few years and recently coming back home after graduation, I really miss using my Apple Watch to pay for groceries, petrol and even ramen. Hopefully they get it sorted out soon enough.

Any bank news?

not heard anything....really wish we can get it in 2019.

Won't happen as long banks need to share 30% cut with Apple.

nope as this time.....oh goshhhh.....

iOS has pretty low market share in Malaysia. around 20%
Here in Sweden iOS has 62% market share. And still nobody uses apple pay. Formally it exists. But I've never seen a shop that accepts it. Too much hassle and cost for the shops to have one more payment solution.

Only Samsung Pay... migrate to US if want Apple Pay

For banking customers, less than 10% use iOS devices with their mobile banking app here in Malaysia. Just by those numbers alone, it doesn't justify the cost needed to setup an alternative payment solution nor would retailers here want to spend more on another terminal. Most of them already complain about the costs of the credit card terminal yet add on additional ones.

in lion city, Apple Pay is ok. becos any paywave or MasterCard Paypass terminals can accept Apple Pay.

The Star released this article, is it a sign?

Apple Pay is ready in Malaysia. It rides on the paywave platform which is already available. I have used Apple Pay via Apple Watch or iPhone XS countless of time in Malaysia. It is just that the local banks do not support it.

This post has been edited by Mackiddo: Feb 3 2019, 07:10 PM

It isn't just the local banks, but through their dealer network such as GH Payments and the others who resell the services on behalf of banks. Because of how certain banks are setup, if for example if a merchant takes a credit card terminal from Maybank, they will get 2 machines, one for Visa/Mastercard and another for AMEX. On top of that, if the merchant wants another bank, thats additional more machines. The trick here is how much % cut that needs to go to Apple. Visa/Mastercard/Paynet/Amex all take a cut in the transaction fees. Add another player, that means a diminishing % margins for the merchant. Its bad enough that products may have razer thin margins especially for certain items hence its gets a bit tricky. Samsung had Samsung pay for the longest time but consumer adoption is still fairly low on that.

You can use apple pay for almost any paywave machine here in Malaysia. I linked my lion city debit card to Apple Pay and paid a couple of times using Apple Pay in Malaysia

Wonder if there's a way to open an SG account without going to SG 😂

You can’t even open a SG account if you go there physically. It used to be easy, not anymore.

last time i try to test at 99speedmart ... they say cannot.. lucky i bring cash

Welp, guess we're playing the waiting game

Looked up Apple’s website. Aeon Visa supported in Japan.

Anyone here want to convince Aeon Malaysia to make their Visa card work with Apple Pay?

https://www.macrumors.com/2019/03/26/austri...ay-coming-soon/
Hopefully Malaysia is part of the 40 countries to have Apple Pay by this year

This post has been edited by farkingdom: Mar 27 2019, 10:13 AM

Ironically....
Apple users here calling for Apple Pay kickoff in Malaysia....while all the financial institutions not in for it yet...because low population, even though maybe high utilization expected
Android side happily roll it on with high population, but low utilization I believe...
Many android around me not using mobile payment like boost, Samsung pay, Maybank pay, etc, citing security concern...