✅ Frequently Asked Questions (DOBW)
Transaction Limits and Fees
DuitNow Online Banking/Wallets transaction limits vary by bank
but generally allow individuals to transfer up to RM50,000 per day. These
limits can be adjusted based on customer needs, with most banks allowing
increases up to RM30,000 per transaction and RM50,000 daily maximum.
When increasing transaction limits, customers should be aware of cooling-off periods – typically 12 hours – before the new limit takes effect. During this period, transactions are restricted to the previous limit. For businesses, DuitNow offers significantly higher limits of up to RM10,000,000 per transaction. Regarding fees, DuitNow Online Banking/Wallets transactions are generally free for consumers, making it an economical option for online payments.
When increasing transaction limits, customers should be aware of cooling-off periods – typically 12 hours – before the new limit takes effect. During this period, transactions are restricted to the previous limit. For businesses, DuitNow offers significantly higher limits of up to RM10,000,000 per transaction. Regarding fees, DuitNow Online Banking/Wallets transactions are generally free for consumers, making it an economical option for online payments.
💡 Tip: If you raise your limit, remember the ~12‑hour
cooling‑off period—your old limit applies until the change takes
effect.
What types of accounts can be used for DOBW payments?
Customers can pay using their Current Account, Savings Account (CASA),
Credit Card Account (Line of Credit), or e-Wallet accounts.
How fast are payments processed via DOBW?
Payments are processed instantly in real time, with immediate fund transfers
and payment confirmation to both customer and merchant.
How does DOBW improve the checkout experience?
DOBW offers smooth redirection from merchant platforms to customers’
bank or e-wallet apps, reducing friction and improving conversion rates
by providing familiar and trusted payment channels.
Can merchants reconcile payments easily with DOBW?
Yes. Payments from various banks and e-wallets are consolidated in one
place, making reconciliation and refund management simpler and more efficient.
What security features does DOBW provide?
DOBW supports an additional first-party validation option to ensure payment
requests are sent to the correct payer, reducing fraud and disputes.
Transactions are authenticated through customers’ bank or e-wallet security
measures.
Is DOBW available 24/7?
Yes. Customers can make payments anytime, including weekends and public
holidays, supporting continuous business operations.
How can merchants register for DOBW?
Merchants who wish to enroll in the DOBW services may approach their
preferred Acquirer to initiate the registration process.
Upon successful registration, merchants can then integrate DOBW via PayNet’s APIs or through payment gateway providers that support DuitNow Pay. Detailed registration and developer documentation are available on the PayNet Developer Portal.
Upon successful registration, merchants can then integrate DOBW via PayNet’s APIs or through payment gateway providers that support DuitNow Pay. Detailed registration and developer documentation are available on the PayNet Developer Portal.
Are refunds supported with DOBW?
Yes. Merchants can process refunds through the DuitNow Online Banking/Wallets
system, which are credited back to customers’ bank or e-wallet accounts.
Customers are advised to raise their request for refunds directly with the merchant first before contacting their bank or e-wallet to initiate a dispute process if the results are unsatisfactory. Disputes should be raised within sixty (60) days of the DOBW payments being made, after which the dispute would be considered invalid.
Customers are advised to raise their request for refunds directly with the merchant first before contacting their bank or e-wallet to initiate a dispute process if the results are unsatisfactory. Disputes should be raised within sixty (60) days of the DOBW payments being made, after which the dispute would be considered invalid.
⚠️ Reminder: Raise disputes within
60 days of the payment date—late submissions may
be considered invalid.