Consumer’s

Guide

4
Consumer Registration
Registration Requirement

Debit/Credit card issued by Malaysian mobile number & e-

18 years old and above A Malaysian NRIC (My Kad)
Malaysian financial institutions mail address

How to register

Enter basic
Complete e-KYC
Download myIOU information such Get instant
by submitting Bind either debit
in App Store or as e-mail address, MYR1,000 credit
your NRIC and or credit card
Google Play set password and approval
selfie
phone number

Password requires 6 characters length with 1

uppercase letter, 1 lowercase letter, 1 special
character (@#$%^&+-) and 1 number.

5
 myIOU Consumer

Consumer App Requirement

Item Description
• iOS 12 and above
Support OS
• Android v6 and above, support with Google Services

Consumer Credit Limit (Credit +)

Item Credit Limit Approval
Complete registration with:
• One month of latest income crediting bank statement Up to MYR3,500
• Any one proof of residential address Manual
Complete registration with: Approval*
• One month latest credit card statement
Up to MYR10,000
• One month of latest income crediting bank statement
• Any one proof of residential address

* For request made before 12pm will be processed on same business day and request
made after 12pm will be processed by next business day.

6
Registration Process
Enter email,
password, mobile Enter OTP code Select “Complete
Select “Join myIOU
number and agree send to your your details” to
now”
with our T&C and mobile number proceed to e-KYC
Privacy Policy

7
e-KYC Process - NRIC

Capture the front Double check on

Select “National and the back of the information
Select “Verify” Select “Next”
Identity Card” your NRIC and before selecting
select “Confirm” “Save”

8
NRIC Guide

9
e-KYC Process - Selfie

Select “Next” and capture a

Select “Continue”
selfie

10
Selfie Guide

11
Card Binding Process

Complete payment
Fill up card info to bind
Payment gateway page Set up 6 digit PIN method with billing
debit / credit card
address

12
Referral Code

Enter referral code if Get instant credit

referred by friends and approval upon
family registration

13
Dashboard
A B A. Settings
B. Notification
C
C. Upcoming payments
D. Credit limit
E. Pay outstanding balance in full
amount
• Grey: no outstanding balance
D
• Red: with outstanding balance
F. QR payment
E G. myIOU services
• Available merchants
• Highlights
• Promotions (Vouchers)

F
G

14
Settings

A. Account details and billing address info

B. To bind another debit/credit card
A
C. Personal referral code
B D. Apply credit+ for a higher credit limit
C E. To change payment PIN
D F. More language selection such as

E Chinese and Bahasa Melayu

F G. Redeemed vouchers

G H. Logout

15
 Credit + Application Process

Upload Upload credit

Select bank and document that card statement
Select Complete
Select “Credit +” upload bank can prove your if available to
“Continue” application
statement residential get MYR10,000
address credit limit

16
How to pay with myIOU?

Select myIOU as payment option when

1. you shop online or scan myIOU QR
code in store.

Confirm transaction details and

2.
make your 30% initial payment.
The remaining balance will be split
into monthly installments.
In Store Online

Monthly installments will be charged

3. automatically from your bind debit or
credit card.

17
 Payment Flow

Consumer pays 30% initial payment and split the

remaining balance accordingly to the repayment
plan which merchant has offered.
(E.g. A consumer buys a bag at MYR100. Initial
Consumer to scan
payment is MYR30 and the remaining MYR70 will be
merchant’s QR code Consumer next payment
split into 2 payments in 30 & 60 days. Payment will be
at the store with cycle schedule will show in
auto deducted to consumer’s Debit/ Prepaid/ Credit
myIOU app their myIOU app
card

NOTE: Merchant receive full

Consumer key in total Notification on successful settlement (Minus MDR).
transaction amount & transaction will prompt at Payment cycle is 2 times a week.
6-digit pin number terminal/ merchant apps Settlement Cycle:
Transaction between Thursday to
Sunday, settlement on Tuesday.
Transaction between Monday to
Wednesday, settlement on
Friday.
*Should the settlement day fall
on a Public Holiday, settlement
will be released the next working
day.
18
eCommerce Payment Steps

A. Allow you to use myIOU consumer

app to scan the merchant QR code to
complete the transaction. This is
A dynamic QR code. Consumer have 5
minutes to complete the transaction
via myIOU apps after scanning.

B. Before making a payment, consumer

must download the apps and
complete the registration with credit
limit. If yet to do so, consumer can
scan QR code to download the
myIOU app.
B
eCommerce Payment Steps

A A. Consumer can login to myIOU directly

through the browser by entering
Email/Phone Number and Password
to complete the transaction.

B. Consumer have 5 minutes to

complete the transaction.
eCommerce Payment Steps

A. Consumer need to fill in the

information accordingly and choose
A the package / payment plans.

B. Consumer need to select packages

base on their tenure preference.

B C. Click Next to complete the

transaction.
• If payment approved, the order
will be received and merchant
can check on merchant apps to
counter check the transaction
status approval or web portal for
confirmation.

Note: Maximum 5 min to complete the

transaction.
C
eCommerce Payment Steps

Consumer shall confirm their purchase

details before making their transaction.

Click “confirm” to proceed.

Note: Maximum 5 min to complete the

transaction.
eCommerce Payment Steps

Consumer will need to put in their PIN

number to complete the transaction.

Note: Maximum 5 min to complete the

transaction.
eCommerce Payment Steps

For Consumer:
Once completed the transaction.
Customer will be directed to this page.

For Merchant:
Need to check merchant portal or
merchant App to confirm the status of
transaction, which is APPROVED
SELEPAS BERJAYA MEMUAT TURUN & MENDAFTAR DI DALAM APPS myIOU.
SILA IKUTI LANGKAH DI BAWAH UNTUK MEMBUAT PEMBELIAN & BAYARAN
PROGRAM COACHING 1 ON 1.

LAYARI / KLIK DISINI : https://www.akademiurusinsan.com/1on1/

KLIK UNTUK DAPATKAN TEMUJANJI SEKARANG

 BOLEH ISI MAKLUMAT PERIBADI SEPERTI NAMA PENUH ,
NO TELEFON & ALAMAT EMEL. BOLEH TINGGALKAN NOTA TAMBAHAN
(SEKIRANYA ADA) & PILIH SLOT TEMUJANJI YANG KOSONG.

KEMUDIAN KLIK BUTANG TERUSKAN

MASUK KAN MAKLUMAT PERIBADI YANG DIPERLUKAN.

KLIK BAYAR SEKARANG .

PILIH PEMBAYARAN myIOU - BUY
NOW PAY LATER.

KEMUDIAN TICK PADA KOTAK

TERMA & SYARAT & KOTAK
PENGESAHAN

KLIK TERUSKAN PEMBAYARAN

 PILIH ANSURAN BULANAN 2 / 3 / 6 BULAN.

KLIK PADA ‘CONTINUE’ IN BROWSER , MASUKKAN EMAIL & PASSWORD

BERDAFTAR.
 PASTIKAN PILIHAN ANSURAN YANG BETUL

KLIK PADA ‘NEXT’ UNTUK TERUSKAN PEMBAYARAN

SEKIRANYA SEMUA BETUL BOLEH KLIK PADA ‘CONFIRM’
MASUKKAN ‘PIN’ NOMBOR & KLIK ‘DO PAYMENT’
UNTUK LENGKAPKAN PEMBELIAN.
MAKLUMAT PEMBELIAN & PEMBAYARAN TELAH
BERJAYA DIREKODKAN.