Malaysia is next. Moreta Pay is coming soon to Malaysia — bringing the same simple QR payment experience that already works across Asia and Latin America. Soon you'll be able to tap into DuitNow QR, Malaysia's national interoperable network that unifies Touch 'n Go eWallet, GrabPay, Boost, MAE and every major bank in the country. Sign up to be the first to know when we launch.
How It Will Work
Moreta Pay is a mobile payment platform that allows travelers to tap into local payment networks across Asia and Latin America, all without needing a local bank account. Malaysia is coming soon. When it launches, you'll be able to download the Moreta app, set up your account, verify your identity with a selfie and your passport, and connect your preferred payment method. You'll be able to fund your account in numerous ways — adding your home currency for simplicity and familiarity. Make deposits with a bank connection, bank transfer or card. Fill your account before you leave, and you'll be all set to start paying for everything you need during your travels. If you run out, you can top up quickly through the app. No more fumbling with Ringgit, cards or outdated traveler's checks.
The Problem With Paying Abroad as a Tourist, Expat or Nomad
Whether you're eating your way through Penang's hawker stalls, working remotely from Kuala Lumpur, or diving off the coast of Borneo, paying for everyday items in Malaysia can be expensive as a foreigner. International credit and debit cards come with foreign transaction fees, dynamic currency conversion markups, and unfavorable exchange rates — and card acceptance drops off sharply outside of major shopping malls and hotels. Pulling Ringgit from an ATM means surcharges from both the Malaysian bank and your home bank. Meanwhile, Malaysians increasingly pay via DuitNow QR through Touch 'n Go, GrabPay, Boost and their banking apps — none of which are easy for foreigners to sign up for. Choosing a more secure option like QR code payments avoids all of those concerns.
How Moreta Pay Works
When Moreta Pay launches in Malaysia, it will transform the way nomads, tourists and expats pay for goods. It will be an easy-to-use platform that lets you scan DuitNow QR codes from merchants for hassle-free payments. Here's how it will work.
Verify Your Identity
Your journey with Moreta Pay begins with creating an account and verifying your identity. All you have to do is take a photo of your passport and a selfie! Moreta uses those photos to verify your identity, creating yet another security shield against fraud.
Load Funds to Your Moreta Pay Wallet
Add funds quickly and securely with your preferred bank account. With Moreta, you can add funds to your account in numerous ways using secure payment methods. These include:
• USD via ACH
• GBP via UK Faster Payments
• EUR via SEPA
• Visa, Mastercard, AMEX or Discover cards
Need more cash during your trip? With Moreta Pay, you can top up using your already connected bank account or card.
Scan QR Codes at Local Shops & Restaurants
When Malaysia goes live, you'll be able to scan any merchant's DuitNow QR code while exploring everything Malaysia has to offer. Thanks to DuitNow QR — Malaysia's interoperable national QR standard — a single scan works across Touch 'n Go eWallet, GrabPay, Boost, MAE, ShopeePay, Maybank, CIMB, Public Bank and every other major Malaysian wallet or bank.
Get Seamless Payments on the Go
After scanning a DuitNow QR code, review the information and slide to complete the payment. It will be as easy as that! Moreta offers fast, seamless and worry-free payments.
Coming Soon: More Countries Across Southeast Asia & Latin America
Want to start using Moreta Pay before Malaysia goes live? Moreta Pay is already live across Asia in China, Thailand, Indonesia, the Philippines, Cambodia, Laos and Mongolia, and across Latin America in Brazil, Argentina, Peru, Bolivia and Colombia. Use the same Moreta wallet balance wherever you travel.
Why Moreta Pay Is Better Than Alternatives
Moreta Pay is a mobile payment platform that allows travelers to tap into local payment networks across Asia and Latin America, all without needing a local bank account. Malaysia is the next market on the roadmap. When it goes live, you'll be able to download the Moreta app, set up your account, verify your identity, connect your preferred payment method, and start paying — using your home currency, at real exchange rates, with no Malaysian bank account needed.
No Local Bank Account Required
With Moreta Pay, there'll be no need to open a Malaysian bank account or register a MyKad. While Touch 'n Go, GrabPay, Boost and Malaysian bank wallets require local documentation, Moreta Pay will let you tap into DuitNow QR without it. Connect with your financial institution at home, add funds as needed, and pay like a local.
Seamless Integration With Malaysia's DuitNow QR
DuitNow QR is Malaysia's national interoperable QR payment standard, run by PayNet. It connects every major bank and e-wallet in the country — including Touch 'n Go eWallet, GrabPay, Boost, MAE, ShopeePay, Maybank, CIMB and Public Bank — so a single QR code works no matter which app the customer or merchant uses. When Moreta Pay launches in Malaysia, we'll integrate seamlessly with DuitNow, allowing you to spend your money the same way locals do. That ensures widespread acceptance and simpler transactions.
Designed for International Travelers, Expats & Nomads
Moreta Pay is a solution built for international travelers. No matter how long your stay is, Moreta Pay ensures you can pay for anything without jumping through hurdles or paying a fortune. Sink yourself into the culture, including paying for goods just like the locals!
Several Accepted Payment Types
Fund your Moreta Pay account with many different payment options. Once you connect your bank account, you can add funds via secure methods. If adding USD, benefit from the low transaction costs and enhanced security of ACH. If your home currency is GBP, you can use UK Faster Payments for near-instant transfers. When funding with Euros, utilize SEPA for speed, simplicity and dependability. Moreta Pay also supports international Visa and Mastercard payments for even greater flexibility.
Lower Fees Compared to Cash or Card Alternatives
Moreta offers significantly lower fees than the alternatives. Most banks charge foreign transaction and ATM fees, and most financial institutions use unfavorable exchange rates. With Moreta, you pay much less. QR transactions in Moreta-supported markets carry a flat 1.5% fee — competitive, transparent, and far less than your home bank typically charges. Best of all, you always know what you're paying upfront.
Instant, Contactless QR Payments
Contactless payments are the way of the future! No more handing over physical cards or waiting on lengthy transaction times. With Moreta Pay, you'll be able to complete transactions quickly without interacting with cashiers, wait staff or merchants. No more confusion or pricing information getting lost in translation.
Real Exchange Rates
Tired of losing money on unfavorable exchange rates? That'll no longer be a worry with Moreta Pay. Moreta gives you accurate exchange rates, helping your money go as far as possible. Moreta will convert your currency into Malaysian Ringgit in real-time, using the exchange rate at the time of the transaction. Make your money go farther than you thought possible with transparent, real-time exchange rates, and zero hidden fees.
Activate Your Moreta Pay Account Before Your Trip
Malaysia is coming soon. Sign up to be the first to know when Moreta Pay launches DuitNow QR payments in Malaysia — and in the meantime, get the app to start paying like a local in Thailand, Indonesia, the Philippines, China, Brazil, Argentina and beyond.
