1. Campaign Overview

The Instapay DuitNow QR Scan & Pay Cashback Campaign 2026 (“Campaign”) is organised by Instapay Technologies Sdn. Bhd. (“Instapay”).

By participating in this Campaign, users agree to these Terms & Conditions.

2. Campaign Period

• The Campaign will run from (1^stAugust 2026) to (31^st August 2026) (“Campaign Period”).

• Instapay reserves the right to amend, extend, shorten, suspend, or terminate the Campaign at any time if necessary.

3. Eligibility

To participate in this Campaign, users must:

• Have an active and verified Instapay account.

• Perform a successful DuitNow QR Scan & Pay on a Merchant QRtransaction through the Instapay app during the Campaign Period.

• DuitNow QR Scan on personal QR is not eligible for the cashback.

4. Campaign Mechanics

• Users will receive RM0.10 cashback for every successful DuitNow QR Scan & Pay transaction with a minimum spend value of RM1.00.

• Cashback will be credited to the user’s Instapay account on the completion of a successful transaction.

• Each eligible customer is entitled to a maximum cashback of RM5.00 throughout the Campaign Period.

• Cashback rewards will be awarded on a first-come, first-served basis and will be applicable for the first 250,000 successful and eligible transactions.

• Once the maximum allocation of 250,000 eligible transactions has been reached, no further cashback will be awarded, even if the Campaign Period has not ended.

5. Cashback Conditions

• Cashback will only be awarded for successful DuitNow QR Scan & Pay transactions.

• Cancelled, refunded, reversed, disputed, or unsuccessful transactions will not qualify.

6. Fraud & Misuse

Instapay reserves the right to disqualify any participant found to be abusing the Campaign or engaging in fraudulent, suspicious, dishonest, or inappropriate activities.

Instapay may withhold, cancel, or reverse cashback rewards if any transaction is found to be invalid or in breach of these Terms & Conditions.

Instapay also reserves the right to withhold, reject, suspend, cancel, or reverse any cashback reward where required to comply with applicable laws, regulations, sanctions requirements, AML/CFT obligations, or directives issued by relevant regulatory authorities.

7. Service Availability

While Instapay will make every effort to ensure a smooth Campaign experience, Instapay shall not be responsible for:

• Service interruptions caused by merchants, DuitNow QR networks, payment partners, or third-party service providers.

• Technical issues, system maintenance, network disruptions, or unforeseen service outages.

• Transactions that fail due to user error, incorrect transaction details, or circumstances beyond Instapay’s reasonable control.

8. Privacy

By participating in this Campaign, users agree that their information may be collected, processed, and used for Campaign administration, verification, reward fulfilment, reporting, audit, and compliance purposes in accordance with Instapay’s Privacy Policy.

9. Changes to the Campaign

Instapay reserves the right to revise these Terms & Conditions or make changes to the Campaign mechanics, rewards, or eligibility requirements where necessary.

Any updates will be communicated through Instapay’s official communication channels.

10. Final Decision

All decisions made by Instapay relating to this Campaign, including eligibility, cashback entitlement, reward fulfilment, and dispute resolution, shall be 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 any enquiries regarding this Campaign, users may contact Instapay Customer Support through our official customer support channels.