Option 1
Split your payment from 3 to 12 parts
Choose the plan that fits your budget
The Advantages of Shopping Smarter
No hidden fees — what you see upfront is what you pay
Split your total into up to 12 payments at selected stores
Enjoy AhaPay at your favorite stores and brands, online or offline
How AhaPay works
Step 1
Use AhaPay Anywhere
Save with Partners
Pay in up to 12 installments at partner stores and unlock exclusive promos
Scan & Pay
Scan any DuitNow QR to split your payment at 3 million+ stores across Malaysia
Shop Online
Enjoy the freedom to shop online wherever you want and split payment into convenient instalments
Explore AhaPay Partners
Flexible Payment Plans
Availability of split options varies by shop
Option 2
Pay next month
Pay the full amount at once
Shop at Our Featured Stores
BJAK
Insurance services
MORE DESIGN
Home & Living
RAYTECH
Automotive Workshop
PERODUA
Automotive workshop
FAQ’S
For Those Who Still Have Questions
Ask any questions
AhaPay offers different payment plans, and the customer fee depends on the selected plan and shop.
Customer fees:
Pay later / 1 month* — No fee
3 payments* — No fee
4 payments* — No fee
4 payments — 1.5% of the order amount per payment/installment
7 payments — 1.5% of the order amount per payment/installment
9 payments* — 1.5% of the order amount per payment/installment
12 payments* — 1.5% of the order amount per payment/installment
*Some payment plans are available only at selected shops.
A late payment fee may apply if a payment remains unpaid after the due date and 1-calendar-day grace period. The fee is RM50 for outstanding payments above RM150, or RM30 for outstanding payments of RM150 or less. The late payment fee will not exceed the outstanding payment amount.
If you miss a payment, a grace period of 1 calendar day will apply, and no late payment fee will be charged during this period.
If the payment remains unpaid on the second day after the due date, AhaPay may charge a late payment fee as follows:
- RM50 if the outstanding payment amount is more than RM150
- RM30 if the outstanding payment amount is RM150 or less
The total late payment fee will not exceed the outstanding payment amount. Late payment fees are applied in accordance with applicable laws and regulatory requirements, including the Consumer Credit Act 2025 and relevant CCOB guidelines.
You can make payments for your AhaPay installments using several payment methods, including Malaysian bank cards, FPX, Touch ’n Go eWallet, and GrabPay Wallet.
Accepted payment methods include:
- Malaysian debit cards
- Malaysian credit cards
- FPX online banking
- Touch ’n Go eWallet
- GrabPay Wallet
DuitNow QR is a widely accepted QR payment method in Malaysia. With AhaPay, you can scan eligible DuitNow QR codes and split your payments
You can use AhaPay to scan DuitNow QR codes at participating merchants across Malaysia. DuitNow QR is accepted at millions of registered payment touchpoints nationwide.
- Open the AhaPay app.
- Select Scan button
- Scan the merchant's DuitNow QR code.
- Enter or confirm the payment amount.
- Choose an available AhaPay payment plan.
- Review the details and confirm your payment.
AhaPay can be used with eligible DuitNow QR payments. Payment plan availability may vary depending on the merchant, transaction and your AhaPay account.
Yes. Where available, you can split your purchase into multiple payments through AhaPay. Available plans can vary by merchant and transaction.
No. You can use DuitNow QR through the AhaPay app without creating a separate DuitNow account.