Card Opt Out / In Status

What is a card-not-present (“CNP”) transaction?

A CNP transaction is a card payment transaction where the cardmember is not physically present at the merchant when the payment is made. A CNP transaction includes the following:

  1. Non-secured online transaction
  2. Mail Order / Telephone Order
  3. Recurring / Auto Debit Transaction (i.e. Insurance premiums / Telephone bill / Utilities bill, etc)
What is the definition of an overseas transaction?

The definition of an overseas transaction is a transaction that is performed outside of Malaysia.
An overseas transaction includes the following:

  1. Cash withdrawal at overseas ATM
  2. Overseas point-of-sale (“POS”) purchase
If I opt in now to perform CNP and overseas transactions, can I opt out from performing these transactions in the future, and how do I do so?

Yes, you may opt out with any of the following methods:

  1. Online Banking
  2. PBB / PIBB ATM
  3. PBB / PIBB Branch

You are required to opt in again if you need to perform CNP transactions in the future.