Sign up to general insurance online with GoInsure Personal Accident, Motor and Travel insurance. GoPayz offers affordable insurance with less paperwork.
Read this Product Disclosure Sheet before you decide to take up any GoPayz Account or the Card (“GoPayz Service”). Be sure to also read the GoPayz Service Agreement.
U Mobile Services Sdn. Bhd. Registration No. 200401034375 (672884-H) (“We” or “us” or “our”)
GoPayz-MAIPk VISA Prepaid Card
Date : June 2022
1. What is this product about?
GoPayz-MAIPk VISA Prepaid virtual or physical card, which is a Chip & PIN EMV compliant Card, (“Card”) is a cashless payment instrument that allows you to purchase goods and services at all domestic and international merchants that accept VISA, and any other card schemes or payment operator that we participate in from time to time. It also allows cash withdrawal at any of the Automated Teller Machines (“ATMs”) that display VISA logo. The Card works together with GoPayz mobile application (“GoPayz App”) or GoPayz website (“GoPayz Web”) (collectively known as “GoPayz App/Web”). The Card also comes with a feature which enables you to pay for goods and services by tapping or waving the Card at contactless readers/terminals (“Contactless Transactions”). Contactless Transactions not exceeding RM250 do not require the GoPayz Card PIN number (“PIN”).
You are required to top-up the Card before making purchases. You may only use the Card according to available funds preloaded into the Card. It allows you to send and receive money, perform online and in-store purchases, pay bills, reload mobile prepaid credit, purchase insurance, make remittances and more.
(f) If you are under the age of 18, you must obtain your parent’s or legal guardian’s permission to use the GoPayz Service and complete the online or in-app application form with their name and ID number. Your use of the GoPayz Service indicates to us that you have obtained the prior consent of your parent or legal guardian.
(g) If you are a parent or legal guardian of a child under the age of 18 years old, by your child using the GoPayz Service:-
(i) you accept the terms of the GoPayz Service Agreement on behalf of your child;
(ii) you agree that you are subject to the terms of the GoPayz Service Agreement;
(iii) you are responsible for your child’s activity on the GoPayz Service; and
(iv) you consent that we may collect, record, hold, store, use and disclose your child’s personal information for purposes which are necessary and related to the provision of the GoPayz Service according to our Privacy Notice.
(h) Any consents which are required to be given by the user of the GoPayz Service under the GoPayz Service Agreement shall be deemed to have been given by the parent or the legal guardian of a user who is under the age of 18 years old.
- package stores – beer, wine, and liquor;
- cigar stores and stands;
- dating services;
- massage parlours;
- miscellaneous personal services (not elsewhere classified);
- government-owned lotteries;
- government licensed on-line casinos (on-line gambling);
- government-licensed horse/dog racing;
- billiard and pool establishments;
- betting, including lottery tickets, casino gaming chips, off-track betting, and wagers at racetracks; or
- any other merchants as may be notified by us from time to time.
(h) GoPointz collected (minimum 125 GoPointz or any amount as may be determined by us from time to time) will be automatically converted and donated to MAIPk wakaf fund on a semi-annual basis per calendar year. You shall be notified 21 days prior to the conversion date should you wish to redeem or utilise your GoPointz for other existing GoPayz Service or services.
(a) Download the GoPayz App from either Google Play Store, Apple App Store, or the Huawei’s AppGallery only and not from any other unauthorised sources (Clause 12.1(b));
(b) Ensure your mobile device is compatible with the GoPayz Service at all times (Clause 12.1(c));
(c) Ensure that you do not use the GoPayz App on any illegally modified devices or any device that has been altered (Clause 12.1.(d));
(d) Be fully responsible for the integrity of all information and data transmitted or obtained through the use of the GoPayz Service (Clause 12.1(e));
(e) Ensure that all transactions via the GoPayz Account or Card are made by you (Clause 12.1 (f));
(f) Take all reasonable care and precaution to prevent lost or theft of the physical Card and notify us if your physical Card is lost or stolen (Clause 5.2(h));
(g) Ensure that any overseas transaction performed via the GoPayz Service do not violate the laws existing in the country where the transaction took place and comply with all applicable laws (Clauses 9.1(b) and (c));
(h) Ensure the safety of the Card and the confidentiality of the PIN (Clause 12.1(i));
(i) Only receive fund through your GoPayz Account from legitimate sources or activities (Clause 12.1(k));
(j) Promptly update your particulars via the GoPayz App/Web or notify us in writing if there is any change to your particulars (Clause 12.1(m));
(k) Notify us of any errors or discrepancies you discover in your GoPayz Account within 14 days from the date you performed the transaction via your GoPayz Account (Clause 15.2); and
(l) Provide us with the correct details of your bank account and any other information as we may require to affect the refund of any Wallet Account Balance (after deducting any Refund Handling Fee and other amounts owing to us) upon termination of your GoPayz Account. The amount will be refunded within fourteen (14) Business Days of our receipt of the required information. All bank charges imposed by your bank will be borne by you (Clause 17.5(c)) and 17.6(a)).
You must not:
(a) Allow or authorise any third party to use your GoPayz Account or Card or for purposes which are not permitted (Clause 12.1(g));
(b) Transfer, sell, distribute or reproduce your Card and must take all precautions to prevent the lost, theft or misuse of the Card (Clause 12.1(h));
(c) Attempt to use the GoPayz Account or any offers made under the GoPayz Account for any purpose other than as intended or offered by us (Clause 12.1(j));
(d) Attempt to defraud, infect or spam the GoPayz system, manipulate the GoPayz Service or attempt to obtain any unlawful or fraudulent gains under the GoPayz Service (Clause 12.1(l)); and
(e) Use the GoPayz Service for any unlawful activities prohibited by laws (Clause 12.1(n)).
* The clauses referred to above can be found in the GoPayz Service Agreement
5. What if I fail to fulfil my obligations?
You will be liable for any unauthorised transactions. You as the Cardholder will be liable for all charges whatsoever arising from all transactions, whether authorised or unauthorised. If you fail to abide to the terms and conditions of the Card, we reserve the right to terminate your GoPayz Service. We will not be liable for any losses due to your negligence.
6. What are the major risks?
Your physical Card being stolen or lost or your login details to your GoPayz Account being compromised. As a result you will still be liable for any damaged, lost, malfunctioned or stolen Card or funds and for any fraudulent transaction, including illegal reload of e-money. You should notify us immediately after having found that your Card is stolen or lost or your login details being compromised.
7. What are the fees and charges I have to pay?
|Description||Fees and Charges*|
|Card Issuance Fee||RM16.00 per card (only be charged for customers who opt for physical cards to be issued)|
Top Up Fee
(only applicable for top up at participating top up points)
|Online Banking (FPX)||No charge|
|Other Payment Card||No charge|
|Razer Cash @ 7-Eleven||RM2.00 per transaction|
Cash Withdrawal Fee
|Local ATMs||RM1.00 per transaction|
|Overseas ATMs||RM10.00 per transaction|
|Statement Request Fee||Hardcopy statement||RM5.00 per copy|
|E-Statement||Free of charge|
|Balance Enquiry Fee||RM1.00 per transaction at Local and Overseas ATMs (enquiry made via GoPayz App/Web are free of charge)|
|Sales Draft Retrieval/Request Fee||RM15.00 per sales draft|
|Overseas and Foreign Merchant Transaction Conversion Fee||All Overseas and Foreign Merchant Transactions including online transactions shall be converted to Ringgit Malaysia at the prevailing conversion rate on the day of conversion and include the charges as determined by Card Schemes and a service fee of 1%|
|Card Replacement Fee||
RM16.00 per physical card issued
(only applicable for those who opt in for physical GoPayz Card to be issued, and the card replacement request is initiated by customer due to lost, stolen or damaged physical GoPayz Card or disclosure of the physical GoPayz Card’s information to a third party )
|Refund Handling Fee||Via IBG||RM1.10|
|Via Telegraphic Transfer (TT)||RM21.00|
*All fees and charges are subject to Government’s Sales & Service Tax, if applicable.
8. What should I do if my physical Card is lost or stolen?
If your physical Card is lost or stolen, you may immediately log in to the GoPayz App/Web and select the “Block This Card” function to block the card. Alternatively, please contact our Customer Care at +6018-388 3388 if you need further assistance.
9. What do I need to do if there are changes to my personal or contact details?
It is your obligation as a cardholder to inform us of any change in your personal/contact details to ensure that all correspondences reach you in a timely manner. You may change some of your basic information via your GoPayz App/Web. Alternatively, please fill up the Service Request Form available to be downloaded in GoPayz Website and forward your Service Request Form to us at firstname.lastname@example.org.
(b) If your query or complain is not satisfactorily resolved by us, you may refer the matter to:
|Walk-in Customer Service Centre (BNMLINK)||Contact Centre (BNMTELELINK)||Ombudsman for Financial Services|
|Ground Floor, D Block,
Jalan Dato' Onn
50480 Kuala Lumpur
Operating Hours: 9am - 5pm (Monday - Friday)
|Level 14, Main Block,
Menara Takaful Malaysia
No 4, Jalan Sultan Sulaiman
50000 Kuala Lumpur
Tel: +603-2272 2811
Operating Hours: 8:30am - 5:30pm (Monday – Friday)
In the event where there is discrepancy between the English and Bahasa Malaysia version, the English version will prevail.
The information provided in this disclosure sheet is valid from June 2022 until further notice.