1. Manual bank transfer
You send your bank account number, the customer transfers through their banking app and sends a screenshot, and you check your account before shipping.
- Pros: no fees, and every customer with a Malaysian bank account can pay.
- Cons: you check every payment by hand, customers sometimes transfer the wrong amount, and screenshots are easy to edit. Many sellers have shipped an order for a fake receipt.
2. Your own DuitNow QR
DuitNow QR is Malaysia's national QR standard, so one code can be paid from most banking and e-wallet apps. You send your shop's QR in the chat, the customer scans and pays, and the money lands in your account.
- Pros: fast for customers, and usually low or no fees for small businesses (check with your bank).
- Cons: like a bank transfer, you still confirm each payment in your bank app. A screenshot is not proof; only your bank statement is.
- Tip: ask customers to pay an exact amount for each order (for example RM 89.07 instead of RM 89.00). Matching orders to payments in your bank app becomes much easier.
3. A payment link (FPX, cards, e-wallets)
A payment gateway such as Billplz or Stripe creates a link for the exact order amount. The customer taps it, pays by FPX online banking, card or e-wallet, and the gateway confirms the payment to you automatically.
- Pros: no screenshots and no manual checking. The order is confirmed the moment the payment succeeds, even at 3 am.
- Cons: the gateway charges a fee per payment (see each provider's own pricing page), and you need a merchant account, which takes a few days to approve.
Comparison
| Bank transfer | DuitNow QR | Payment link | |
|---|---|---|---|
| Fees | None | Low or none for small businesses | Per payment |
| Who confirms payment | You | You | The gateway, automatically |
| Fake screenshot risk | High | High if you trust screenshots | None |
| Works at night without you | No | No | Yes |
How to avoid fake payment receipts
- Never ship based on a screenshot. Check the money in your bank or e-wallet app first.
- Use a unique amount per order, so a payment can't be reused for another order.
- Check the date, time and recipient name on the receipt against the order.
- For busy shops, use payment links: the confirmation comes from the gateway, not from the customer.
Many shops combine methods: DuitNow QR for regular customers who prefer it, and payment links for everyone else. Whatever you choose, the payment step should take the customer one tap, inside the same chat.
Common questions
Can I accept FPX payments in WhatsApp?
Yes, through a payment link from a gateway such as Billplz or Stripe. The customer opens the link from the chat and pays with online banking.
Is a payment screenshot proof of payment?
No. Screenshots can be edited or reused. Only the money arriving in your account, or a confirmation from your payment gateway, proves the customer paid.
Is DuitNow QR free for small businesses?
Many Malaysian banks waive or keep DuitNow QR fees low for micro and small businesses, but terms differ by bank and change over time. Check your bank's current business QR terms.