Access to the
PayNet Ecosystem

Appropriate licenses, approvals or regulatory status are required for the relevant service.

Participants must meet financial thresholds including paid-up capital or net shareholder's equity requirements, which vary by category.

Participants must possess the systems, connectivity, and internal processes necessary for seamless integration and operation within the PayNet ecosystem environment.

Applicants must present an established base of customers or merchants relevant to their business model.

Where an applicant’s activities pose heightened operational or financial risk to the ecosystem, PayNet may require a bank guarantee as a condition of admission.

Applicants must demonstrate the capacity to add meaningful value to Malaysia’s e-payments landscape, including through innovation and tangible consumer benefits.