I think the  pay is mainly for small amount fast checkout purpose. I don’t think you want a big amount transaction with simply ‘wave’ over the POS terminal. I have been using the  pay for my daily needs in both SG and MY without any problems. I believe this will be the same as in MY when it is launched later.

It shouldn’t be a problem Mr. President as the Malaysia  pay has been activated by  itself since the earlier version of iOS, the problem remains at the bank authorisation (card issuer) to link in  wallet.

Simply to say that, I guess it is because of the market share of  user in Malaysia which may not big enough and banks are not willingly to earn lesser because of limited customer.

Pending merchants to claim the fund

Absolutely. I hope our MOSTI will initiate something like eIC app in the near future so that we will have a digital signed identity card in the phone and that will be a true digital society. I hate physical wallet because I am worry that I will lost it one day.

Someone was tried it and used it in Thailand.

I likes the magic sound "ding" when the wave is read by the terminal.