1. Campaign Overview

The Instapay Remit_Tap_Win Campaign 2026 (“Campaign”) is organised by Instapay Technologies Sdn. Bhd. (“Instapay”).

By participating in this Campaign, customers agree to be bound by these Terms & Conditions.

2. Campaign Period

The Campaign runs from 1 September 2026 to 30 September 2026 (“Campaign Period”).

3. Eligibility

To participate in this Campaign, customers must:

• Successfully open a new Instapay account during the Campaign Period
• Complete cumulative successful remittance transactions of RM500 or more through the Instapay App by 15 October 2026
• Complete cumulative eligible spending of RM100 or more using their Instapay Mastercard by 15 October 2026

Only customers who fulfil all the above requirements will be considered eligible for the Reward.

4. Reward

• Each eligible customer will receive one (1) RM50 Shopee Voucher.
• A customer is entitled to receive a maximum of one (1) voucher during the Campaign.
• The Reward is limited to the first 1,250 eligible customers who fulfil all Campaign requirements, on a first-come, first-served basis.
• Once all 1,250 vouchers have been allocated, no further vouchers will be issued.
• Instapay reserves the right to verify the eligibility of customers before issuing the Reward.

5. Reward Fulfilment

• Eligible customers will receive their RM50 Shopee Voucher within 30 working days after completion and verification of all Campaign requirements.
• The voucher will be issued electronically through the Instapay App and delivered via in-app notification.
• The terms and conditions applicable to the use of the Shopee Voucher shall apply. Please refer to Section 13 Additional Terms for the applicable Shopee Voucher Terms and Conditions.
• The RM50 Shopee Voucher is non-transferable, non-exchangeable, and cannot be redeemed for cash.
• Instapay shall not be responsible for any lost, expired, deleted, or unused voucher after the voucher has been issued.
• If any qualifying transaction is subsequently cancelled, refunded, reversed, disputed, determined to be fraudulent, or otherwise found to be ineligible, Instapay reserves the right to disqualify the customer and/or cancel, withhold, or recover the Reward.

6. Qualifying Transactions

The remittance requirement must be fulfilled through a successful remittance transaction via the Instapay App. Cancelled remittances will not be eligible.

The Instapay Mastercard spending requirement applies to successful POS and online purchase transactions. The following transactions are not eligible:

• ATM cash withdrawals
• Wallet top-ups
• Cancelled, refunded, reversed, disputed, or unsuccessful transactions.
• Transactions identified as fraudulent.

Employees, directors and contractors and their immediate families of Instapay, its cash agents and its agencies associated with this promotion are ineligible to enter.

7. Fraud & Misuse

Instapay reserves the right to disqualify any customer who is found to have:

• Submitted false information
• Engaged in fraudulent, suspicious, dishonest, or abusive activities.
• Instapay may withhold, cancel, or reverse any reward if a customer is found to have breached these Terms & Conditions.

8. Privacy

By participating in this Campaign, customers consent to the collection, processing, and use of their personal information for campaign administration, verification, reward fulfilment, audit, and compliance purposes in accordance with Instapay’s Privacy Policy.

9. Changes to the Campaign

Instapay reserves the right to amend these Terms & Conditions or modify the Campaign, including its rewards, eligibility criteria, or Campaign Period, at any time.

Any changes will be communicated through Instapay’s official communication Channels.

10. Final Decision

All decisions made by Instapay regarding this Campaign, including eligibility, reward entitlement, and dispute resolution, are final and binding.

11. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of Malaysia.

12. Contact Us

For enquiries regarding this Campaign, please contact Instapay Customer Support through our official customer support channels.

13. Additional Terms for Shopee Voucher

The Shopee Voucher is subject to the following Terms and Conditions:

1. The voucher will have a validity period. This will be defined at the time of receiving the voucher.
2. The voucher is valid for one time use only, regardless of the number of accounts owned by the user.
3. The voucher is valid for Mall & Preferred Sellers only.
4. The voucher can only be used in one transaction. Any unused balance will not be refunded.
5. The voucher is no longer valid upon expiring. Strictly no extensions allowed.
6. The voucher is not refundable, non-transferable, not redeemable for cash and cannot be combined in exchange for vouchers with higher value.
7. The voucher is not stackable with other promotions except Shop Voucher.
8. The voucher is not applicable on:
   • Infant Milk (0-6 months)
   • Follow-on Milk (6-12 Months)
   • Jewellery
   • Tickets & Vouchers
   • Mobile Reloads & Sim Cards Top-ups
   • Gaming Top-ups
   • S-Mart Milo
   • One or Not by Shopee Store products
   • MMA Foundation Store products
   • PETRONAS & Setel Fuel Cards
   • Gift Cards & E-Voucher
   • Apple products from Apple store or authorized reseller
9. Promo code must be entered at the voucher wallet page or the checkout page of Shopee Mobile App only.
10. Shopee reserves the right to amend/cancel the promotion at any time. If you encounter any issues, please contact Shopee Customer Service at help@support.shopee.com.