Payment FAQ

How credit card transaction works?

1. The customer (you) shops at merchant website and select credit card as payment option during checkout process.

2. The customer enters the credit card details required at a secure payment page powered by MOLPay gateway.

3. The customer is required to enter one-time password (OTP) at bank’s page to authenticate the online purchase.

4. The transactions will be sent through secure credit card payment network for approval.

5. The credit card issuer approves the transaction with approval code.

6. Payment has been made successfully to merchant.

Why “MOLPay” name stated in my card statement?

We have appointed MOLPay as our third party payment gateway to process online transactions.

Who is MOLPay?

MOLPay is a third party payment gateway that being authorized to process payment transactions of credit card, internet banking, e-wallet & cash payment. MOLPay is notified by BNM under Malaysia Payment System Act 2003. For more info, please visit www.molpay.com.

How secure is MOLPay payment gateway?

All communication between you can MOLPay are encrypted using a 256-bit SSL connection. MOLPay services are scanned and certified by Hacker Safe & SiteLock everyday. MOLPay services comply with the global data security standard - Payment Card Industry: Data Security Standard (PCI-DSS). To protect both cardholder and merchant, MOLPay has implemented 3D-Secure environment (Verified by VISA & MasterCard SecureCode) for its credit card payment processing. Besides, MOLPay does not store any cardholder's sensitive data and information.

What is 3D-Secure?

3D-Secure is a service facilitated by VISA and MasterCard that lets you transact online securely using your credit card. This service is available on our website. Both Verified by VISA (VBV) & MasterCard SecureCode (MSC) introduce password protection during an Internet purchase to authenticate the customer. The goal of VBV/MSC is to create the same trust and confidence amongst merchants and customers that exist in a face to face shopping environment.

What are the benefits of 3D-Secure?

VBV/MSC provides added assurance by authenticating you while using your Visa/MasterCard credit card to make payments online. You can be assured that any online merchant giving VBV/MSC service is a legitimate commercial entity. A private code means added protection against unauthorised use of your credit card when you make payments online.

How to get my password for 3D-Secure?

Most of the banks are leveraging on one-time-password (OTP) technology, allowing the card holders to receive the unique password via their registered mobile number with their credit card issuer. The way of getting the password may vary from bank to bank. For further clarification, please speak to the customer service officer of your credit card issuing bank.