The development of digital payment technology has brought various conveniences to the community, one of which is transactions using QR codes. With the development of QR-based payment systems, users can now make transactions simply by scanning QR codes through payment applications on smartphones.

QR Pay transactions are now easier with several choices of funding sources. One of the latest innovations is the addition of credit cards as a source of funds for QR Pay / Payment transactions. When transacting QR Pay you can choose the source of funds, whether it is from savings or credit cards

QR Pay transactions with multiple source options allow you to make payments in an easy and practical way. Users simply open the mobile banking application or digital wallet, select the payment option with a savings or credit card source of funds and then scan the QR code provided by the merchant or service provider.

The use of credit card users is increasingly facilitated by the innovation of QR Pay transaction payment sources of funds. The use of credit cards as a source of transaction funds also provides more convenience, especially for those who do not want to bother topping up their digital wallet balance or have limited funds in their bank account. With a credit card, users can utilize their available credit limit to make transactions, even when the balance in the main account is insufficient.

Advantages of Using QR Pay with Multiple Funds Sources

Using QR Pay transactions dwith a source of funds from savings or credit cards, is not only about convenience, but also various benefits that you can enjoy:

1. Flexible

   The payment process with QR Pay transactions becomes more flexible because there is a choice of sources of funds from savings or credit cards. Simply scan the QR code available at the merchant, select savings or credit card as the source of funds, then confirm the payment. No need to bother carrying cash or typing in credit card numbers manually.

2. Easily manage cash flow from the available credit card limit

   With a credit card as a source of funds, you have instant access to cash advances that can be utilised at any time. This is very helpful in managing your cashflow by having the option of using the available credit card limit, instead of directly choosing a source of funds from a savings account.

3. Flexible Cash Flow Management

   Using QR Pay using Maybank Credit Card resources allows you to manage your cash flow more flexibly. You can arrange payments in installments or pay after payday, so it doesn't immediately burden your finances.

How to Use QR Pay for Transactions

Here are the steps to enjoy the convenience of QRIS transactions:

• How to Choose QR Pay Fund Source to Maybank Savings/Credit Card t

  1. Login to the M2U ID App, on the account dashboard page, click the navigation menu on the top left
  2. Click the settings icon
  3. Select ‘QR TRANSACTION’
  4. Choose transaction account
  5. Choose QR Pay transaction
  6. Choose source of funds account Maybank Savings / Credit Card for QR Pay transaction
  7. Enter Secure2u Passcode
  8. QR transaction settings have been successful and can start transacting

  Complete information on how to change the source of QR Pay funds can be found here.

• How to Transact with QR Pay Using QRIS

  1. Login to M2U ID App
  2. On the account dashboard page select SCAN QR
  3. Scan QRIS that you want to pay
  4. Click amount
  5. Enter the transaction amount and click OK
  6. Click PROCESS
  7. Check the QR transaction details again if it is correct click CONFIRMATION
  8. Enter Secure2u Passcode
  9. Payment has been successful, click DONE to close the application or PAY AGAIN to make another payment.

  Complete information on how to make transactions using QR Pay can be found here.

Using QR Pay with several sources of funds, be it Maybank Savings or Maybank Credit Card, provides a practical solution for daily transactions. With this feature, you can still meet your needs while managing your cashflow by utilising the available limit from your Maybank Credit Card to make transactions using QR Pay via M2U ID App.

Let's set your QR Pay fund source to Maybank Savings or Maybank Credit Card and enjoy more flexible and convenient transactions at various QRIS merchants now!