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How credit card transaction works?

1.     The customer (you) shops at merchant website and select credit card as payment option during checkout process.

2.     The customer enters the credit card details required at a secure payment page powered by MOLPay / IPAY88 gateway.

3.     The customer is required to enter one-time password (OTP) at bank’s page to authenticate the online purchase.

4.     The transactions will be sent through secure credit card payment network for approval.

5.     The credit card issuer approves the transaction with approval code.

6.     Payment has been made successfully to merchant

Why MOLPay / IPAY88 name stated in my card statement?

We have appointed MOLPay and IPAY88 as our third party payment gateway to process online transactions

Who is MOLPay / IPAY88?

MOLPay and IPAY88 are a third party payment gateway that is being authorized to process payment transactions or credit card, internet banking, e-wallet and cash payment. MOLPay and IPAY88 are notified by BNM under Malaysia Payment System Act 2003. For more info please visit /

How secure is MOLPay / IPAY88 payment gateway?

All communication between you and MOLPay and IPAY88 are encrypted using 256-bit SSL connection. MOLPay and IPAY88 services are scanned and certified by HackerSafe and SiteLock everyday. MOLPay and IPAY88 services comply with the global data security standard –Payment Card Industry: Dta Security Standard  (PCI-DSS). To protect both cardholder and merchant, MOLPay and IPAY88 has implemented 3D-Secure environment (Verified by VISA & Mastercard SecureCode) for its credit card payment processing. Besides, MOLPay and IPAY88 does not store any cardholder’s sensitive data and information.

What is 3D-Secure?

3D-Secure is a service facilitated by VISA & Mastercard that lets you transact online securely using your credit card. This service is available on our website. Both Verified by VISA (VBV) & MasterCard SecureCode (MSC) introduce password protection during an Internet purchase to authenticate the customer. The goal of VBV/MSC is to create the same trust and confidence amongst merchants and customers that exist in a face to face shopping environment.

What are the benefits of 3D-Secure?

VBV/MSC provides added assurance by authentication you while using your Visa/MasterCard credit card to make payments online. You can be assured that any online merchant giving VBV/MSC service is a legitimate commercial entity. A private code means added protection against unauthorized use of your credit card when you make payments online.

How to get my password for 3D-Secure?

Most of the banks are leveraging on one-time-password (OTP) Technology, allowing the card holders to receive the unique password via their registered mobile number with their credit card issuer. The way of getting the password may vary from bank to bank. For further clarification, please speak to the customer service officer of your credit card issuing bank.