Different quota
(1) Shopee orders
(2) Airpay orders (Shopee bill payment)
(3) Shopeepay QR transactions

If the code is from Public Bank, your payment method to Shopee must be a Public Bank credit/debit card.

Shopee/ShopeePay have a few channels to process payment.

Depends on card BIN.
Mostly GMT+8, follow Malaysia Time.

If BIN is Public Bank credit/debit card, it switch to a special channel follow GMT+0.

This post has been edited by ClarenceT: Nov 13 2025, 10:26 AM

Shopee Mission @ Shopee Prizes (where you can play games)

Shopee Mission
Not ShopeePay Mission
Not ShopeeFood Mission


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#10897

Pay at Shopeepay merchants, -25% by coins, max 3000 coins per 24 hours.
Shop at Mr DIY, Guardian, Econsave, 7-eleven, KFC, PizzaHut etc
Pay bills at Pos online/kiosk
Pump petrol at Petron
Top up Setel wallet

Shopee orders, -25% by coins, max 3000 coins per 24 hours
Spend at Shopee App except digital goods

Shopee digital goods, -25% by coins, max 3000 coins per 24 hours.
Bill payment at Shopee App
Buy Shell fuel voucher RM10/30/50
Order ShopeeFood

Then Unifi @ Shopee bill payment a.k.a. Airpay
-25% by coins, capped at 3000 coins / 24 hours (Shopee digital goods quota)

This post has been edited by ClarenceT: Nov 18 2025, 10:03 AM

Aeon Retail (Supermarket) accept ShopeePay?
(TNG, Grabpay, Maybank QR, Aeon Wallet accepted)

Most of the payees have set a maximum limit, RM1500 to a particular biller may not be allowed.

Lazada is another place you can spend. (Duitnow QR payment)

If cannot, then use Lazada bill payment (Payment by Duitnow QR).
P/S: Unifi @ Lazada

This post has been edited by ClarenceT: Nov 22 2025, 11:48 AM

It depends on the card issuer how to define "ewallet".

For some Visa card (including PB CC/DC), 3-D Secure page shows
"MY SHOPEE PAY LATER"

For Amex. It shall go through another channel.
For Maybank CC, it may go through another channel.

This post has been edited by ClarenceT: Nov 22 2025, 08:56 PM


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Affin Duo Visa
RHB Visa Signature / Shell Visa

It depends on card issuer.
Some banks check MCC but some banks check the description.
In fact there is no ewallet MCC. MCC 6540 is funding transaction not limited to ewallet.

---

My testing results...
To be confirmed by others.

For those already saved the card details before, the description at 3D secure page is still "Seamoney" and posted description is "SPAYLATER".

For those just saved the card details to Shopee account, will see "MY SHOPEE MARKETPLACE" at approval page, when pay Spaylater will get "MY SHOPEE PAY LATER" at 3D secure page and the posted description is "SHOPEEPAY" (but MCC 5964 instead of 6540).

So DO NOT REMOVE card details from Shopee account!

Up to the card issuer.

Just like top up Kiplepay (not MCC6540). Some banks consider it an ewallet but some don't.

Also PB give CB to "Shopee ..." (MCC6540) But MAY no longer give CB to "SHOPEEPAY" (regardless of MCC) (to be confirmed)

Also, HLB check the description, so SPAYLATER won't get 1% CB but MAY get 1% CB for "SHOPEEPAY". (To be confirmed)

I thought we can pay DBKL@Pos in Jan & Feb (for H1), Jul & Aug (for H2) only.

Can pay early so H1/2026 bill will see the advance payment amount?
And the amount at Pay@KL will show negative?

This post has been edited by ClarenceT: Yesterday, 09:54 AM


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Thanks.
Can use my coins exp in Nov & Dec.
And earn daily 2x RM0.31 till 30/11.

Same description but different MCC for Shopee orders and ShopeePay top-up.

But since last week, you may get new description "ShopeePay Kuala Lumpur" or "ShopeePay Topup Kuala Lumpur" then no more 2% CB for PB VS.

This post has been edited by ClarenceT: Yesterday, 12:22 PM

Look like SEA just upgrade their payment system. Agak agak like this
Before 2018, say V 1.0, which we paid to Shopee SG.
Then V 2.0 till now, it keeps all card details we added till mid November 2025. We can still use it for the time being, but only for card added before mid Nov 2025.
Then V3.0, if we add a new card now, the payment will go through a new channel.

This post has been edited by ClarenceT: Yesterday, 03:32 PM


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