The prepaid card is a cashless payment instrument that allows you to purchase goods and services at all VISA/MasterCard accepting merchants worldwide. It also allows cash withdrawal at any of the Automated Teller Machines (ATMs) that display the VISA/MasterCard and/or PLUS logo. The card comes with the contactless feature: it can be used at any contactless payment accepted merchants. The contactless limit is up to RM250. This RM 250 limit however is subject to change from time to time. Funds must be loaded into your Card Account prior to usage. You may only use the Card according to available funds preloaded into your Card Account. No credit check or opening of bank account is necessary for this Card. It will not be linked to any bank account, as it is a stand-alone Card Account.

The Prepaid Card is a cashless payment instrument that allows you to purchase goods and services at all VISA/MasterCard accepting merchants WORLDWIDE. It also allows cash withdrawal at any of the Automated Teller Machines (ATMs) that display the VISA/MasterCard and/or Plus logo. Funds must be loaded into your Card Account prior to usage. You may only use the Card according toavailable funds preloaded into your Card Account. No credit check or bank account is necessary for this Card and it will not be linked to any bank account, as it is a stand-alone Card Account.

• Applicant must be at minimum 18 years of age.
• Full payment of joining fee is applicable.
• Must provide valid residential and Malaysian mailing address (P.O. Box is not accepted).
• Must submit a valid copy of a government issued identification document (NRIC/Passport & Selfie with ID)
• Must have a valid mobile number to receive SMS OTP for online transactions.
• No income requirement.
• Funds must be preloaded into the Card prior to usage.
• The maximum Card Account limit is RM 10,000 at any one time.

• Applicant must provide valid residential and Malaysian mailing address.
• A copy of a valid passport (with at least 6 months validity) & Selfie with passport.

• You won’t go into debt; spend within your means.
• You will enjoy the convenience and security of not carrying large amounts of cash.
• Convenience in making payments for goods or services worldwide at over 40 million merchant outlets that carry the VISA/MasterCard logo.
• Cash withdrawal from any VISA/MasterCard and/or Plus enabled network ATMs.
• As a Prepaid Card holder, you will enjoy discounts at various VISA/MasterCard accepting merchants worldwide.
• For more information, visit www.visa.com or www.mastercard.com

The full amount of the funds reloaded by our CardMembers are kept in Finexus Trust Account with a licensed bank in Malaysia.

No. You do not need to have an existing bank account to open a prepaid card account. If you do have a traditional bank account, you can use it to load your prepaid card account with a bank transfer.

Yes, you can once you have opted in to shop online.

Yes, you can once you have opted in to use the Card overseas.

You must activate your Card prior to loading funds into the Card Account.

Protect your Card as if it is CASH! Keep it in a safe place and do not share or divulge your Card number and/or PIN (Personal Identification Number) to anyone. It is advisable not to write down your PIN anywhere. If you have to, keep your PIN separately, away from your Card.

Step 1 : Proceed to www.finexuscards.com– YippiePay portal
Step 2 : Click on the ‘LOGIN’ tab and it will guide you accordingly. Use Login Id and Password to proceed.

You have 3 avenues to obtain your latest Card Account availability:
Login to your YippiePay Portal Account via website www.finexuscards.com. and click on the ‘Card Account Balance’ tab.
Call Finexus at 603-8318 3100. After hours, IVR will guide you accordingly
With your Malaysian mobile number registered with us, you may SMS to ‘63660’.
SMS message: [Finexus]space[BE]space[last 6 digits of your Card number].

Your statement of account history is made available when you login to your YippiePay Portal Account. You can view and/or download your monthly statement for the last six (6) months.

Yes, it is printed on your Card.

Yes, there are. There are some types of transaction whereby the merchant will ‘hold’ your funds for a short period of time, like a refundable deposit. Therefore, the withheld amount will not be available until the merchant ‘releases’ it. Please be mindful of the following types of transactions and also ensure you have sufficient funds in your Card Account;

a) Petrol stations – when you pay at the pump, the merchant will reserve RM 200 in your Card Account. The unutilized funds will be released within there (3) working days back into your Card Account. To avoid this, best to proceed to the cashier counter and pay the exact amount with the Card.
b) Hotels – some hotels will ask for a ‘deposit’ upon your check-in with a payment card. Do ask them how much they plan to take as a ‘deposit’. This amount will be put on ‘hold’. The merchant will ‘release’ the funds after you check out, but sometimes it may take a few days.
c) Recurring payment – if you sign up for this, please ensure you have sufficient funds in your Card Account before its due date.
d) Cash withdrawal - the daily limit is RM 2,990 subject to ATM’s notes disbursement capabilities. Otherwise, you can spend the amount that is preloaded in your Card Account. However, your maximum Card Account limit at any one time is RM 10,000.

One-Time PIN (OTP) is a numeric code that is only valid for a single transaction when you perform online transaction. The OTP will be sent via SMS to your registered mobile phone number with us. This OTP is mandatory to enable you to complete and validate your online purchase.

Contactless Payment is a new payment feature that lets you make purchases faster since you don’t need to fumble for cash. With contactless payment, you simply wave your VISA/MasterCard prepaid card in front of a secure reader at the sales counter, and you’re on your way. The card has an embedded chip, which contains a tiny antenna that securely transmits payment instructions to and from a secure reader.

This is a prepaid card and it works like any prepaid card (e.g. mobile prepaid services), you must first load the funds into your Card Account before use. Once funds are loaded, you use it at any location that displays VISA/MasterCard logo worldwide.

Subject to a total Card Account limit of *RM 10,000, you can reload at the following channels:


For FPX:
You must have a bank and its online access facility with any one of the following banks : Affin, Alliance, AmBank, Bank Islam, Bank Muamalat, Bank Rakyat, BSN, CIMB, HLB, HSBC, Kuwait Finance House, Maybank, OCBC, PBB, SCB, UOB (for more information and the latest participating entities, please refer to www.paynet.my/fpx/banks-tpa.html)

For CIMB Clicks and ATMs:
You must have a bank account at CIMB with their online banking access.

How do I reload at CIMB’s Cash Deposit Machine (CDM)?
Please follow these steps:

1. Please DO NOT insert your Card into the machine.
2. Press any key on the CDM or touch the screen to commence.
3. Select your language.
4. Select “BILL PAYMENT” option.
5. Enter “022” code Finexus Cards/MAA Cards.
6. Enter your 16-digit beezPay card number.
7. Enter your mobile number (twice).
8. View to confirm the details on the screen.
9. Insert your cash into the slot.
10. Confirm the number of notes and value deposited.
11. Keep the confirmation slip for your record.

To initiate your request, you may:
Call Finexus at 603-8318 3100 for immediate cancellation or download and complete the “Service Request Form” from our website www.avango.asia then email to [email protected].

Please call Finexus at 603-8318 3100 immediately to deactivate your Card Account instantly or login to YippiePay Portal Account to FREEZE CARD.

Please contact our reseller.

Please contact our reseller for card delivery arrangement.

Please contact our reseller.