Boost Sales with Touch 'n Go eWallet Integration

Dec

Integrating Touch ’n Go eWallet with Your POS: The Complete Guide for Malaysian Retailers and E-Commerce Businesses

Main Takeaway: Seamless integration of Touch ’n Go eWallet into both offline POS systems and online platforms allows Malaysian businesses to access a user base of over 20 million and drive higher conversion by leveraging a cashless ecosystem that processes RM 15 billion monthly, with instant merchant onboarding and robust API support.[1][2]

1. Introduction

Touch ’n Go eWallet has evolved into Malaysia’s preeminent digital wallet, boasting over 20 million verified usersand 13 million monthly active users. The platform processes more than RM 15 billion in transaction volume per month across 2 million+ merchants nationwide. With Malaysian consumers increasingly preferring cashless options—e-wallet usage for everyday retail, transportation, and online purchases—integrating Touch ’n Go into your point-of-sale and e-commerce channels is critical for capturing this expansive market.[1]

2. Why Offer Touch ’n Go eWallet?

Extensive Reach: A massive user base translates into built-in trust and potential upsell opportunities.[1]
Improved Conversion: QR-based “scan-to-pay” and deep-linked checkout flows minimize input errors and cart abandonment.[3]
Low Entry Cost: No registration or monthly fees; merchants only incur transaction processing charges.[2]
Promotions & Loyalty: Integration with eWallet-based cashback and rewards programs increases repeat visits and average order values.[4]

3. Integration Options Overview

Integration approaches are divided into:

Integration Type	Description	Ideal For
Offline POS	QR-code scanning via printed or on-screen codes	Retail stores, cafes, F&B outlets
API-Only	Customizable web/mobile SDK integration using REST endpoints	Bespoke platforms, mobile apps[3]
Plugins & Extensions	Shopify/WooCommerce modules for plug-and-play setup	SMEs without in-house development

4. Offline POS Integration

4.1 Merchant Registration

Merchants self-register within the Touch ’n Go eWallet merchant section and receive instant approval—no additional documentation is required beyond valid business or personal details.[2]

4.2 POS System Setup

Leading Malaysian POS providers like BigPOS offer modules for enabling Touch ’n Go QR code acceptance. Activation typically involves toggling the eWallet payment option and printing new QR code decals.

4.3 Transaction Limits & Fees

Transaction limits per account tier (effective Jan 15 2025):[8]

Lite (RM 200 wallet): Monthly RM 2 000 (excl. transport), Annual RM 24 000 (incl. transport)
Premium (RM 20 000 wallet after eKYC): Monthly RM 120 000 (excl. transport), Annual RM 360 000 (incl. transport)
Merchants can accept up to RM 20 000 per transaction, subject to wallet balance and tier limits.

4.4 Testing & Go-Live

Perform test transactions for payments, refunds, and voids during non-peak hours. Confirm reconciliation procedures via your POS backend and the merchant dashboard.[7]

5. Online/E-Commerce Integration

5.1 Pre-Built Plugins

For platforms like Shopify and WooCommerce, merchants install the Touch ’n Go extension, enter Merchant ID and API credentials, and configure callback URLs. Use the sandbox mode for end-to-end simulated payments.[3]

5.2 API-Only Workflow

For fully custom checkouts, the integration follows:

Authenticate & Obtain Credentials: Secure Client-Id, Client-Secret, and RSA keys from TNG Digital.
Initiate Payment:
- Endpoint: POST /v1/payments/pay
- Parameters: partnerId, appId, paymentRequestId, paymentAmount (in sen), paymentNotifyUrl
- Response: paymentId and cashierPageUrl for shopper redirection.[3]
Redirect & Authorize: Shopper completes payment in the eWallet app or web page.
Handle Notifications: Process asynchronous webhooks to paymentNotifyUrl for SUCCESS, PENDING, or FAILED statuses.[3]
Confirm with Details Endpoint: Optionally GET /v1/payments/{paymentId}/details to verify final result code.[3]

6. Security & Compliance

Signing Requests: Use RSA SHA-256 for all API calls; verify webhook signatures on callbacks.[6]
Data Protection: Adhere to Malaysia’s PDPA for personal data; ensure PCI DSS compliance when handling linked card payments or card-on-file tokens.[6]

7. Post-Integration Best Practices

Staff Training: Educate teams on scanning flows, refund reversals, and dashboard reconciliation.
Performance Monitoring: Analyze eWallet transaction volume, success rates, and abandonment within your POS analytics.

8. Advanced Features & Future Roadmap

Mini Programs: Utilize in-app storefronts to reach 20 million+ users without redirecting to external sites.[5]
Cross-Border QR: Accept international QR standards via partnerships (Alipay+, PromptPay) to serve inbound tourists from China, Thailand, and Singapore.[1]
Value-Added Services: Integrate loyalty modules, targeted promotions, and investments (Go+) to enhance customer lifetime value.

9. Settlement & Reconciliation

Collected funds settle to merchants’ bank accounts on the next working day, contingent on bank processing times.[7]

10. Conclusion

By integrating Touch ’n Go eWallet into both offline POS and online channels, Malaysian retailers and e-commerce businesses can unlock a vast, digitally engaged consumer base, streamline payment experiences, and drive incremental revenue. The platform’s instant merchant onboarding, comprehensive API suite, and evolving feature set make it an indispensable component of a future-ready retail strategy.

In a rapidly evolving digital economy, staying ahead means having the right data at your fingertips. By aligning your operations with a system that is both locally compliant and technologically advanced, you ensure your business remains competitive and resilient.

BIGPOS provides that edge. As a feature-rich platform, it offers more than just a checkout screen—it provides a complete business management suite. From multi-outlet synchronization to comprehensive customer insights, BIGPOS empowers you to make smarter decisions and grow faster.

Ready to unlock the full potential of your business? Contact us for free demo