QR pay, like MAE Maybank. I was very surprised with exchange rates, even better than the ones at my local money changer. But be aware QR pay only available at merchant shops, like cafe or restaurants or supermarket. Those roadside stall most likely is QR bank transfer, that one cannot work.

Seconded. MAE is best rate better than cash exchange rate shop

Yes. Got confirmation page after you scan and before payment go through.

Because it's not a good rate? Wise is way better