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Instapay offers you the convenience of a digital account through a simple and smartly designed mobile app and a linked global Mastercard. You need to sign-up with Instapay to use Instapay's digital account. Instapay eWallet Account with linked Mastercard can be used for: Receiving Salary Cross Border Remittance Load Money from Bank Account Withdraw cash from ATM Make purchases globally at Mastercard Merchants or online Top-up Mobile - Domestic or International P2P Money Transfer Scan QR and Pay Merchant All transactions are categorized and recorded in the passbook for viewing Instapay is a financial institution regulated by Bank Negara Malaysia with the latest security protocols including fingerprint and facial recognition to verify your identity. Every financial transaction is authenticated by a transaction PIN – mPIN for app and ATM card PIN for Mastercard.