• At the login screen, press the "Forgot Password"
  • Enter your full name, username and NRIC for verification
  • An auto generated password will be sent to you through your email
  • Use the temporary password to login and change your password once you have logged in


  • SNT is a subsidiary of SAINS which is wholly owned by the Sarawak Government. SNT operates PaybillsMalaysia, PayBillsSarawak and Sarawak Pay
  • SNT has approval from Bank Negara to operate an electronic wallet within Sarawak Pay

Select Fund Transfer in the Sarawak Pay main screen

  • Transfer to your contact in Sarawak Pay or to a Sarawak Pay account by entering the username
  • Per transfer is set at a maximum limit of RM50.00 at the moment
  • The accumulated daily total transfer allowed is RM1,500.00
  • At the moment, monthly limit for fund transfer is RM3,000.00 and yearly limit is RM15,000.00



There are two ways to add Sarawak Pay accounts to your Friends List.

First method is:


  • Select your nickname on the top left of your Sarawak Pay homepage.
  • Select 'My Contacts'
  • Press the '+' sign on the top right.
  • You may search your friend's Sarawak Pay account username or scan to add friend.


Second method is:


  • Select 'Name Card' on the top right of your Sarawak Pay homepage.
  • Your QR code will be shown.
  • Ask your friend to scan your QR code to add you


Sarawak Pay supports payment using e-wallet. To top-up your e-wallet, you will need to log into your internet banking. The banks available are:

Affin Bank, Alliance Bank, AmBank, Bank Islam, Bank Muamalat, Bank Rakyat, Bank Simpanan Nasional, CIMB Clicks, Hong Leong Bank, Kuwait Finance House, Maybank2E, Maybank2U, OCBC Bank, Public Bank, RHB Bank, Standard Chartered, UOB Bank



  • Go to 'My Account', the second option on the bottom right
  • Select 'Withdrawal'
  • Add your preferred internet banking name and bank account number to perform withdrawal
  • We will process the withdrawal request within 7 business days.
  • Note: A fee of RM1.00 will incur for every withdrawal request


  • You can scan the QR Code on the bills or at the outlet and pay using your e-wallet.
  • This feature will be available for newly issued SESCO, KWB and Local Council Assessment bills, and at the various outlets at Riverside Majestic Hotel and Grand Margherita Hotel

  • Apart from PaymentGalaxyWallet,  Sarawak Pay also allows users to use Internet Banking or Credit Cards for payment

For security reasons and adhering to Bank Negara compliance, you are only allowed to have one device logged in with your Sarawak Pay account.

If your account is logged into with another device, your original device will be logged out and a notification will be sent to you. If you would like to switch your Sarawak Pay account to your preferred device, please contact our Call Centre for assitance.

Sarawak Pay Merchant is an app for merchants to conveniently view payment received. Available for download in Google Play and App Store.This APP is meant for internal distribution of Registered Company Merchants of Sarawak Pay and is made exclusive to in-house employees of the Company Merchant only. 


  • Sarawak Pay is a mobile application offering a wide range of financial services, an initiative by the Sarawak Government to provide a one-stop mobile app payment channel for the public to make payment for bills or purchases via their mobile phone
  • It includes additional features such as Scan&Pay and payment using e-Wallet.
  • It is operated by SiliconNet Technologies Sdn. Bhd.(SNT)

  • Users can pay bills including SESCo, all the 4 water utilities (KWB, SWB, LAKU & JBALB), all Sarawak councils (for payment of assessment bills).
  • Sarawak Pay can be used to purchase products or services at our participating merchants.
  • Our merchant listing can be viewed here : https://sarawakpay.sarawak.gov.my/pages.php?mod=merchant-listing&menu_id=0&sub_id=33


  • PaymentGalaxyWallet is an Internet-based electronic wallet (the Service), established, operated, maintained and owned by SiliconNet Technologies Sdn. Bhd. (SiliconNet)
  • PaymentGalaxyWallet is powered by PaymentGalaxy® Electronic Bill Presentment and Payment Engine

There are a few ways on how you can get started as a Sarawak Pay Merchant.

First way is you may sign up as a merchant through the Sarawak Pay App. Go to Merchant Account and register your business. Upon a successful registration, you will instantly receive your Merchant QR Code and the option to set your price. Second way is you may click on the link at the Homepage that will redirect you to an Online Form. Fill in the Online Form in full and we will follow up.

For further questions, email us at hello@sarawakpay.gov.my

  • Go to 'My Account', the third option on the bottom right
  • Select Top-Up
  • Key in the amount you want to top-up
  • Select your preferred internet banking; you will be directed to the bank website
  • Note: Minimum top-up is RM30.00. Maximum top-up is RM3000.



  • Download the Sarawak Pay app from Google playstore or Apple appstore
  • Launch the mobile app, then register as a NEW user
    • Complete the Registration form
    • An OTP will be sent to your hand phone.
    • To complete your registration you need to key in the 6 digits verification code. Upon successful registration, a Sarawak Pay account will be created.

This Sarawak Pay Merchant App is meant for Registered Company Merchant to allow outlet staff to view confirmation of payment from customers using Sarawak Pay App (on a mobile device).

The Sarawak Pay registered Company Merchant owner uses a browser-based merchant service system (https://spayfintech.sarawak.gov.my/ecs/) as an admin to assign or remove user account for their respective outlet staff to access the Sarawak Pay Merchant App.

Sarawak Pay Merchant APP is free for download. Just create an account in merchant management system and login with the user name name and password sent by sms.

If you have not subscribed your bills, go to 'Pay Bill' feature, press the '+' button on the top right, select the bill you want to subscribe and fill in the relevant details.

Note: You might need to refer to your physical bill to obtain account information to subscribe for the bill.

You may email to hello@sarawakpay.gov.my

 i.    Convenient & Efficient

            No more dealing with loose change as users will pay in exact

            amount. A notification  will appear after every successful



ii.  Save Cost

Eliminate overhead cost incurred from handling cash, cards and

cheque payment.


iii.   Safe & Secure

No risk of losing cash as your money will be transferred directly

          to  your bank account. Sarawak Pay is guaranteed by the

          Sarawak  Government and is licensed by Bank Negara.



iv.   Get Advertised through our marketing channel

Let us help you promote your business! Reach out to

enlarge your customer base. Email us at hello@sarawakpay.gov.my


Currently Sarawak Pay has no service charge for merchants.

Yes, please fill in the Sarawak Pay Merchant application form here:https://drive.google.com/file/d/1T30R6kzg9A7js7olnfRnw3MeMd5Imj8Y/view and email your request to our team at merchant@sarawakpay.gov.my


If you are a verifed Sarawak Pay personal merchant, this is how you print your merchant QR Code:

Step 1: Go to Merchant Account and tap “Download QR Code”. The merchant QR Code will be saved in your phone’s photo gallery.

Note: Only merchant account that has been verified and activated will be enabled to display the QR Code.

Step 2: Send your merchant QR Code via email and download it to your computer.

Step 3: Go to http://bit.ly/SarawakPayMerchant to download QR Code Template (Be A Merchant >Personal Business Registration > Step 6). Ai Files or Jpeg are available to download. Follow the visual guide on where to place your merchant QR Code on the template and add in your business name. 

Step 4: Done! You can print and display your merchant QR Code to receive payment! 


Yes, Sarawak Pay registration is FREE. No fees or any costs shall be charged or collected by the agent or agencies. Please report to 1-300-88-7722 if solicited by person not authorized by Sarawak Pay.

Please email your request for change to merchant@sarawakpay.gov.my



Personal Business Registration – If you are running your own business and the proceeds goes to your own personal bank account, you can opt for online Personal Business Registration through Sarawak Pay App.


Companies’/organization/association registration – If the business is operating as a SSM registered company and the proceeds goes to the registered company bank account, use the Sarawak Pay Merchant Application Form to apply. You may engage any of our authorized agents to assist with your application.  Please refer to our Sarawak Pay website www.sarawakpay.gov.my for our latest merchant application form and our authorized agents. 



We need to verify that the merchant business registration owner details submitted are correct and complete together with the registered owner bank account number. Once successfully verified, your merchant account will be activated and an email will be sent to notify you.
If you can view your QR Code in Merchant Account, you may start accepting payments using Sarawak Pay.

i) NRIC photo submitted must be clear and match with owner name and NRIC entered

ii) The Bank Account No. entered must be a personal bank account and belongs to the Bank Holder Name  


i.       Obtain your QR Code

ii.      View transactions in real time

iii.     View account details

iv.     Edit your business information

v.      Create new operators

vi.     Create new cashiers (For Merchant App)

vii.    Downloading payment information & reports

viii.   Void transactions


After successful merchant application, we will email you your login details.

You can view in Sarawak Pay Admin website or Sarawak Pay Merchant app.

It is available on Google Play Store and Apple App Store.

You may reset in your Sarawak Pay Merchant Admin website under Cashier > Cashier Operator Management > Reset Password.

Ensure that your phone’s operating system is up-to-date as Sarawak Pay Merchant is only supported on iOS Version 8.0 and Android Version 5.0 and above.

You may email us your business details at merchant@sarawakpay.gov.my


There are two ways to sign up as a merchant, depending on your business nature:-

Individual Merchant – Suitable for individuals, sole proprietors, small scale businesses, home based stores, hawkers, etc


  1. You can register via the Sarawak Pay App by clicking the “Merchant” > “Merchant Account”.
  2. Fill in the form with correct information and press Submit.
  3. View and receive payment through your QR Code

Note: You may obtain Sarawak Pay template in our website

Business Merchant – Suitable for medium sized businesses, companies, associations, organizations, etc


i.       Fill in the Sarawak Pay Merchant Application Form in full and attach supporting documents

ii.      Email it to merchant@sarawakpay.gov.my


Allow 3 -4 working days for processing excluding delivery of QR code, and other marketing materials

Convenient & Efficient

No more dealing with small change as customers will pay in exact amount.

A notification will appear after every successful transaction.


Save Cost

Eliminate overhead cost incurred from handling cash, cards and cheque payment.


Safe &Secure

No risk of losing cash as your money will be transferred directly to your bank account. Sarawak Pay is guaranteed by the Sarawak Government and is licensed by Bank Negara.


Get Advertised through our marketing channel

Let us help you promote your business! Reach out to enlarge your customer base. 


Currently Sarawak Pay has no service charge for merchants.


Due to unforeseen circumstances e.g. no Internet connectivity or interruption to bank transfer service, there may be a delay in settlement. Otherwise, standard settlement period is next working day.

If you want to change your banking information, you can contact Sarawak Pay Customer Service (24 x 7) at:

Email: merchant@sarawakpay.gov.my

Tel: 1300-88-7722



The money in your Merchant account will be transferred to your business bank account the next working day.

For Individual Merchants, you can view transactions from your Merchant Account in Sarawak Pay App.

For Business Merchants, you can view transactions from your Merchant Admin account or Sarawak Pay Merchant App.


Fund transfer feature is used for sending electronic money to another Sarawak Pay user.




Follow the steps below to perform Fund Transfer:

i. From the Sarawak Pay main screen,  select "Fund Transfer"

ii. Transfer to your contact in Sarawak Pay or to a Sarawak Pay account by entering the username.

iii. Enter the amount you want to transfer

iv. Add in "Remark" for future reference (optional)

v. Press "Confirm" to transfer fund successfully

Premium Wallet Users: 

i. The transfer limit per transaction is RM200

ii. The accumulated daily transfer limit is RM500

iii.The monthly transfer limit is RM500


Basic Wallet Users:  

i.  The transfer limit per transaction is RM200

ii. The accumulated daily transfer limit is RM200 

iii. The monthly limit transfer is RM200


  • eKYC is applicable on new user registration or when you apply for UnionPay   Virtual Card.
  • We will gradually extend eKYC to existing Sarawak Pay users.
  • Sarawak Pay is fully compliant with the Malaysian Personal Data Protection Act 2010 (PDPA 2021)
  • All personal data will not be disclosed to external parties without your permission and will only be used for Sarawak Pay administration and verification purposes

You can download Sarawak Pay for free directly from the App Store or Google Play Store. 

Please ensure that your phone’s operating system is up-to-date, Sarawak Pay supports iOS8.0 or Android V5.5 and above.

You can use Sarawak Pay to: -

i. Pay for products and services by using the Scan and Pay function on QR code placed at Sarawak Pay participating merchants.

ii. Pay utility bills, assessment bills and more by subscription at Sarawak Pay APP or scan the QR code on the bill.

iii. Transfer money to contacts or other Sarawak Pay user account.

iv. Withdraw money from Sarawak Pay eWallet into your bank account.

v. Split-bill among other Sarawak Pay users

To find out your Sarawak Pay username, follow the steps below:

Step 1: On Sarawak Pay main screen, tap on the profile icon on the top left.

Step 2: Select " Personal Info"

Step 3: Find out your Sarawak Pay username under "Username"



Sarawak Pay is FREE.

It could be because you have registered for other Sarawak e-government services such as

e-booking/e-recruitment before. You can proceed to log in with your existing Sarawak ID username and password.


Launch the Sarawak Pay app, select New User Registration.

i. Choose your nationality

ii. Complete registration form

iii.  A verification code will be sent to your mobile phone.

To complete your registration, you need to key in the 6 digits’ verification code received. Upon successful registration, a Sarawak Pay account will be created.


You can update your mobile number in Sarawak ID website. Follow steps below:

Step 1: Log in your Sarawak ID account at https://sarawakid.sarawak.gov.my  /web/ssov1/login/

Step 2: Under Profile, click “Mobile Phone”

Step 3: Update your mobile number under “New Phone Number”


Follow the steps below to retrieve your Sarawak ID

Step 1 : Go to https://sarawakid.sarawak.gov.my/web/ssov1/login/

Step 2: Click forgot Sarawak ID or Password

Step 3: Key in your IC and complete the details


All Malaysian and non - Malaysian are welcomed to use SARAWAK PAY.

If you do not have a bank account, you can approach any Ejen Bank BSN to perform a top up to your e-Wallet. This is how you do it:

From BSN Point of Sales Terminal

Step 1: Enter your mobile number

Step 2: Enter your top up amount

Minimum per top up amount is RM30. Your top up amount plus any current wallet balance must not exceed the allowed wallet limit as follow:


Basic Wallet : Maximum RM200

Premium Wallet : Maximum RM3,000


The currency that can be stored in your account is Malaysian Ringgit.

Sarawak Pay transact in Ringgit Malaysia only.

How do I top up with Credit Card?

For credit/debit card top up:

Step 1: Select “Credit/Debit Card”

Step 2: Enter your top up amount

Step 3: Enter your card number, expiry date and CVV

Step 5: You will receive an OTP from your card issuing bank to verify the transaction

Step 6: Key in your OTP to complete the transaction.


1. A charge from SiliconNet Technologies Sdn Bhd (operator of Sarawak Pay) will appear on your credit card statement.
2. A 2% non-refundable convenience fee will be charged for every top-up request using credit card. 

Update: Effective 17.12.2019, the convenience fee is waived until further notice.


Choose your preferred method to add money by following the steps below:

Step 1: Select “My Account” at Home Page
Step 2: Select “Top Up” and choose your top up method

Step 3: Enter your amount to top up and tap “Next”
Step 4: Complete the process for successful transaction