Frequently Asked Questions
If you have any questions that are not answered here, please email us at : customer.service@mbfcards.com
mPAY
What is mPAY?
It is MBF Cards’ latest practical innovation that allows an MBF CardMember to transact with another MBF CardMember via mobile phones. In other words, by holding a MasterCard or Visa issued by MBF Cards, the CardMember has the opportunity to sell or buy FOOD, GOODS and SERVICES (where FOOD = “F”, GOODS = “G” and SERVICES = “S”) with MBF Cards eCLUB members nationwide through SMS.
What are the charges as a Seller and Buyer?
The Seller will be charged a nominal mPAY Seller Transaction Fee of 1.5% of the transaction amount (or RM1, whichever is higher) by MBF Cards. The Buyer is not imposed any Transaction Fee. The Seller’s MBF card account will be credited while the Buyer’s MBF card account will be debited.
When I am the Seller, what happens to the transaction amount (less the Seller Transaction Fee) that I am supposed to receive?
The transaction amount (less the Seller Transaciton Fee) will be credited to the Seller's MBF card account the day following the transaction date. If your MBF card account or AmBank LOC account has any outstanding dues, the credit will be used to pay the outstanding (either fully or partially). As usual, excess payments will result in a credit balance in the acount. In such a situation, the CardMember can request Customer Service of MBF Cards to arrange for the credit balance to be refunded via a cheque payable to the Principal CardMember. Credit balance refund cheques usually take approximately 3 working days to process.
How do I start?
All you need to do is to register to be an eCLUB member at www.mbfcards.com and select for mPay service.
What is mPIN?
mPIN is a four(4) digit password that you will have to create to start using mobile services of eCLUB. Keep the mPIN strictly confidential and do not disclose it to anyone.
What type of mobile phones does mPAY support?
mPAY supports any mobile phone (including PDA phones or smart phones) with Short Messaging Services (SMS) feature/capability.
How do I create my mPIN?
Upon successful registration for eCLUB's mobile service, you will receive an SMS message, which prompts you to create your mPIN. Follow the instruction given on the SMS to create your mPIN or follow the instruction below: 1.  Key in “mpin " 2.  Send the message to “39366” and wait for reply. Please refer to your eCLUB User Guide for more info.
How do I change my mPIN?
To change your mPIN, follow the instruction as below: 1. Key in “mpinchange 2. Send message to “39366” and wait for reply. Please refer to your eCLUB User Guide for more info.
Is the SMS message case sensitive?
SMS messages are not case sensitive. You can use small letters, capital letters or the combination of both for your mPAY transaction.
How does the Seller initiate an mPAY transaction?
To initiate a transaction, key in the following message: 1. Mpay <space> <Buyer’s mobile no.> <space> RM <amount> <space> <transaction type> <Transaction type> F = FOOD, S = SERVICE, G = GOODS. 2. Send the message to “39366” and wait for response. 3. MBF Cards will sent you a confirmation by SMS and email.
How do I know if my mPAY transaction is rejected?
If the mPAY transaction is rejected by the Buyer, you will receive an SMS and email indicating your transaction is rejected by Buyer.
I’ve initiated an mPAY transaction but the Buyer did not receive my transaction. Why?
The delivery of the SMS may sometimes be delayed, especially during peak seasons, due to system congestion at the telecommunication operator. Such as occurrence is beyond the control of MBF Cards and may hamper the successful completion of an mPAY transaction.
Is there a transaction limit to my daily transactions?
Yes. As an added security feature, mPAY Buyer can only transact cumulatively up to RM2,000.00 a day (subject to change by MBF Cards). There are no cumulative transaction limit for the mPAY Seller.
What are the “DO’s” and “DON’Ts” of mPAY?
Do’s Ensure that your mobile phone is with you at all times. With mPAY activated, your mobile phone is now as valuable as your credit cards, your wallet or purse. Contact MBF Cards immediately at 03-2167 7600 to block future mPAY transaction if your phone is misplaced or lost. Obtain documentation such as receipts and / or invoices from mPAY Seller for future reference, records and dispute resolution between the Seller and Buyer. Erase SMS messages that contain your mPIN from your mobile phone once you have activated your mPAY account. Check your mPAY log and SMS log regularly to monitor your transaction records and history. You can view your last 3 months' transactions. Don’ts Don’t disclose your eCLUB login password and mPIN to anyone including staff of MBF Cards. Don’t retain messages that have your mPIN recorded in your mobile phone.
If the FAQs did not answer your questions, please feel free to contact our Customer Service further information.