Touch 'n Go eWallet
{{short description|Malaysian e-wallet service}}
{{Use dmy dates|date=May 2020}}
{{Infobox website
| name = Touch 'n Go eWallet
| logo = Touch 'n Go eWallet.svg
| logo_size = 150px
| logo_alt =
| logo_caption =
| background =
| website = {{URL|https://www.touchngo.com.my}}
| commercial = Yes
| type = e-wallet
| industry = Financial services
Payment processor
Financial technology
| products = Electronic payment processing
Mobile payment
| area_served = Malaysia
| location = Bangsar South, Kuala Lumpur, Malaysia
| key_people = Alan Ni (CEO)
| registration = Required
| language = English, Malay, Chinese
| num_users = Over 15 million users (January 2021)
| owner = Touch 'n Go Sdn Bhd (45.24%)
Ant Financial (43.47%)
ASP Malaysia LP (7.52%)
AIA Malaysia Bhd. (3.76%)
| last = Lee
| first = Esther
| date = 2022-04-20
| title = Cover Story 1: TNG Group's digital banking play
| url = https://www.theedgemarkets.com/article/cover-story-1-tng-groups-digital-banking-play
| work = The Edge
| access-date = 2022-11-17
}}
| launch_date = {{Start date and age|df=yes/no|2017|07|24}}
| last = Lim
| first = John
| date = 2017-07-26
| title = Touch 'n Go Teams Up With Alipay. Here's How The Partnership Will Change The Way We Pay
| url = https://says.com/my/tech/touch-n-go-alipay-partnership
| work = Says.com
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518032554/https://says.com/my/tech/touch-n-go-alipay-partnership
| url-status = live
}}
| current_status = Active
| footnotes =
}}
Touch 'n Go eWallet is a Malaysian digital wallet and online payment platform, established in Kuala Lumpur, Malaysia, in July 2017 as a joint venture between Touch 'n Go and Ant Financial.{{cite news
| last = Bates
| first = Cheryl
| date = 2017-11-15
| title = Touch 'n Go gets greenlight to create a new mobile wallet platform with AliPay
| url = https://www.soyacincau.com/2017/11/15/touch-n-go-gets-greenlight-to-create-a-new-mobile-wallet-platform-with-alipay/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518032708/https://www.soyacincau.com/2017/11/15/touch-n-go-gets-greenlight-to-create-a-new-mobile-wallet-platform-with-alipay/
| url-status = live
}} It allows users to make payments at over 280,000 merchant touch points via QR code; pay for tolls, street parking, payment on e-hailing, car-sharing apps or taxis via RFID or PayDirect; pay bills; top-up mobile prepaid; pay for purchases on e-commerce websites or apps; order food delivery; perform peer-to-peer money transfers; renew car insurance and purchase unique insurance plans; and purchase movie, bus, trains, and airline tickets.{{Cite web|last=Tham|first=Jia Vern|date=2018-03-23|title=6 Things You Should Know About The New Touch 'N Go App|url=https://says.com/my/tech/things-you-should-know-about-the-new-touch-n-go-app|access-date=2021-01-25|website=SAYS|language=en|archive-date=4 August 2020|archive-url=https://web.archive.org/web/20200804055848/https://says.com/my/tech/things-you-should-know-about-the-new-touch-n-go-app|url-status=live}}
Background
Before their e-wallet service was established, Touch 'n Go provided contactless card payments that allowed users in Malaysia to pay for toll roads, public transportation, and parking lots, and also allowed them to make purchases in retail stores.{{cite web
|url=https://www.comparehero.my/transportation/articles/use-touch-n-go-card
|title=Where To Buy Touch 'n Go Card in Malaysia & Use Them
|date=2017-07-26
|website=CompareHero.my
|access-date=2020-05-15
|archive-date=18 May 2020
|archive-url=https://web.archive.org/web/20200518032734/https://www.comparehero.my/transportation/articles/use-touch-n-go-card
|url-status=live
}}
Touch 'n Go has previously ventured into mobile payment through a partnership with Maxis via FastTap in 2009. It allowed Maxis customers to make payments with their Touch 'n Go technology integrated into their feature phones. The payment system utilized near-field communication (NFC), which allowed users to make payments by tapping the mobile phone to card readers, which also support physical credit, debit, and Touch 'n Go cards. Only one feature phone device was supported: the Nokia 6212 Classic.{{cite news
| date = 2009-04-19
| title = Maxis introduces FastTap NFC Service
| url = https://www.soyacincau.com/2009/04/19/maxis-introduces-fasttap-nfc-service/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518032954/https://www.soyacincau.com/2009/04/19/maxis-introduces-fasttap-nfc-service/
| url-status = live
}} According to SoyaCincau, the service was not widely adopted by customers, and the poor reception meant that the service was generally regarded as unsuccessful.{{cite news
| date = 2012-07-19
| title = Touch 'n Go, Maxis CIMB Collaborate to Bring Transaction Service via NFC-Enabled Smartphones Online in Two Months Time
| url = https://www.soyacincau.com/2012/07/19/touch-n-go-maxis-cimb-collaborate-to-bring-transaction-service-via-nfc-enabled-smartphones-online-in-two-months-time/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518033023/https://www.soyacincau.com/2012/07/19/touch-n-go-maxis-cimb-collaborate-to-bring-transaction-service-via-nfc-enabled-smartphones-online-in-two-months-time/
| url-status = live
}}
In July 2012, Touch 'n Go announced a collaboration with CIMB and Maxis to create an NFC-based online transaction service, which can be used on NFC-enabled smartphones and allow users to make payments via NFC.File:Touch n Go Touch Point May 2020.jpg
Before the partnership with Ant Financial, Touch 'n Go had originally released its e-wallet application in February 2017, which was called Touch 'n Go Wallet. It utilized QR code technology to make payments instead of relying on the NFC technology widely used by other significant e-wallet brands, such as Samsung Pay. The first version of the application allowed users to reload prepaid mobile service, pay bills, purchase movie tickets and flight tickets, send and receive money from friends and family, and make payments at stores and restaurants, although initially these services were only supported in Taman Tun Dr Ismail. Additional money could be added to the e-wallet through JomPay, debit cards, credit cards, and Touch 'n Go reload PINs.{{cite news
| last = Lee
| first = Rory
| date = 2017-02-22
| title = Touch N Go's mobile payment system uses QR codes instead of NFC
| url = https://www.soyacincau.com/2017/02/22/touch-n-go-wallet-mobile-payment-system-uses-qr-codes-instead-of-nfc/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518033043/https://www.soyacincau.com/2017/02/22/touch-n-go-wallet-mobile-payment-system-uses-qr-codes-instead-of-nfc/
| url-status = live
}} The initial release of the Touch 'n Go wallet app was well received by users, especially during the pilot test in Taman Tun Dr. Ismail. However, an additional function was criticized by many users: it allowed users to move their balance to their physical Touch 'n Go card, but it did not automatically transfer the funds to the physical card; instead, users had to go to Touch 'n Go kiosks within 24 hours after the money was sent, or else the balance would be sent to their e-wallet account.{{cite news
| last = Lee
| first = Rory
| date = 2018-03-23
| title = This has to be the stupidest way to top up your Touch N Go card ever
| url = https://www.soyacincau.com/2018/03/23/touch-n-go-stupid-mobile-reload-pick-up-device-app-malaysia/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518033144/https://www.soyacincau.com/2018/03/23/touch-n-go-stupid-mobile-reload-pick-up-device-app-malaysia/
| url-status = live
}} After a great amount of criticism, Touch 'n Go temporarily suspended the feature.{{cite news
| last = Wong
| first = Alexander
| date = 2018-03-24
| title = Touch N Go responds to backlash; suspends cumbersome mobile reload function
| url = https://www.soyacincau.com/2018/03/24/touch-n-go-responds-mobile-app-reload-backlash/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 15 August 2020
| archive-url = https://web.archive.org/web/20200815161026/https://www.soyacincau.com/2018/03/24/touch-n-go-responds-mobile-app-reload-backlash/
| url-status = live
}}
On 15 November 2017, Touch 'n Go was granted permission by the Central Bank of Malaysia to partner with Ant Financial, a Chinese-based financial company that operates Alipay, to form a joint venture to allow the technology and platform used in the Alipay app to be adopted in the Touch 'n Go e-wallet service.{{cite news
| date = 2018-01-09
| title = Touch 'n Go gets green light in launching mobile e-wallet
| url = https://www.marketing-interactive.com/touch-n-go-gets-green-light-in-launching-mobile-e-wallet
| work = Marketing Interactive
| access-date = 2020-05-15
| archive-date = 30 January 2020
| archive-url = https://web.archive.org/web/20200130172205/http://www.marketing-interactive.com/touch-n-go-gets-green-light-in-launching-mobile-e-wallet/
| url-status = live
}}
In June 2018, it was reported that Touch 'n Go was pilot testing the uses of the Touch 'n Go eWallet in rapid transit, as the ticketing system was enabled on the Kelana Jaya line in the Klang Valley.{{cite news
| last = Wong
| first = Alexander
| date = 2018-06-06
| title = Touch n Go will let you pay for LRT rides with your smartphone
| url = https://www.soyacincau.com/2018/06/06/touch-n-go-will-let-you-pay-for-lrt-rides-with-your-smartphone/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 29 October 2020
| archive-url = https://web.archive.org/web/20201029134143/https://www.soyacincau.com/2018/06/06/touch-n-go-will-let-you-pay-for-lrt-rides-with-your-smartphone/
| url-status = live
}} Pilot testing only applied to stations in Kelana Jaya, KL Gateway–Universiti, Kerinchi, KL Sentral, Dang Wangi, KLCC, and Ampang Park.{{cite news
| last = Ong
| first = Rawyen
| date = 2018-08-28
| title = Touch 'n Go offers 100% cashback on QR transit LRT rides this Merdeka Day
| url = https://www.soyacincau.com/2018/08/28/touch-n-go-offers-100-cashback-on-qr-transit-lrt-rides-this-merdeka/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 21 September 2020
| archive-url = https://web.archive.org/web/20200921081805/https://www.soyacincau.com/2018/08/28/touch-n-go-offers-100-cashback-on-qr-transit-lrt-rides-this-merdeka/
| url-status = live
}} The test was reported to be successful in February 2020 and was planned to be fully deployed on the LRT and MRT.{{cite news
| last = Gazi
| first = Farhan
| date = 2020-02-13
| title = What Is An E-Wallet And How Is It Different From A Credit Card?
| url = https://www.imoney.my/articles/choosing-e-wallet
| work = iMoney
| access-date = 2020-05-15
| archive-date = 30 September 2020
| archive-url = https://web.archive.org/web/20200930021231/https://www.imoney.my/articles/choosing-e-wallet
| url-status = live
}}
In August 2018, Touch 'n Go announced that it had begun the pilot test for RFID-based payment on toll roads for selected drivers from 3 September 2018 onwards.{{cite news
| last = Lee
| first = Jonathan
| date = 2018-08-08
| title = Touch 'n Go RFID public pilot begins Sept 3, launch in Jan 2019, SmartTAG sales discontinued immediately
| url = https://paultan.org/2018/08/08/touch-n-go-rfid-public-pilot-begins-september-3-smarttag-sales-to-be-discontinued-immediately/
| work = paultan.org
| access-date = 2020-05-15
| archive-date = 15 November 2019
| archive-url = https://web.archive.org/web/20191115005954/https://paultan.org/2018/08/08/touch-n-go-rfid-public-pilot-begins-september-3-smarttag-sales-to-be-discontinued-immediately/
| url-status = live
}} Currently, Touch 'n Go has discontinued the sales of SmartTAG in favor of the RFID-based payment system.{{cite news
| last = Nair
| first = Sharmila
| date = 2018-08-08
| title = Touch 'n Go stops selling SmartTAGs, plans to kick off RFID pilot in September
| url = https://www.thestar.com.my/tech/tech-news/2018/08/08/rfid-pilot-phase-starting-in-sept-pilot-users-needed/
| work = The Star
| access-date = 2020-05-15
| archive-date = 10 August 2020
| archive-url = https://web.archive.org/web/20200810220624/https://www.thestar.com.my/tech/tech-news/2018/08/08/rfid-pilot-phase-starting-in-sept-pilot-users-needed/
| url-status = live
}} On 2 November 2018, the second round of pilot testing was rolled out to allow more drivers to sign up for the test before the RFID system was made available to the public.{{cite news
| last = Wong
| first = Alexander
| date = 2018-11-02
| title = Touch 'n Go is inviting more users to join the RFID Pilot program but you better hurry
| url = https://www.soyacincau.com/2018/11/02/touch-n-go-rfid-second-pilot-program/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 31 October 2019
| archive-url = https://web.archive.org/web/20191031020018/https://www.soyacincau.com/2018/11/02/touch-n-go-rfid-second-pilot-program/
| url-status = live
}} Initially, the installation of the RFID chip into the car could only be done by Touch 'n Go staff at the RFID fitment center,{{cite news
| last = Lee
| first = Rory
| date = 2018-09-18
| title = Touch 'n Go's RFID system is not perfect, but I'm hopeful
| url = https://www.soyacincau.com/2018/09/18/touch-n-gos-rfid-system-is-not-perfect-but-im-hopeful/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 25 July 2020
| archive-url = https://web.archive.org/web/20200725205045/https://www.soyacincau.com/2018/09/18/touch-n-gos-rfid-system-is-not-perfect-but-im-hopeful/
| url-status = live
}} but as the RFID program exited the pilot testing and was made available to the public on 15 February 2020, users could install their RFID chip themselves from 15 May 2020. The chip itself can be bought at Lazada and Shopee.{{cite news
| last = Wong
| first = Alexander
| date = 2020-05-15
| title = TNG RFID: DIY RFID Self-Fitment Kit is now available online
| url = https://www.soyacincau.com/2020/05/15/tng-rfid-diy-self-fitment-kit-now-available/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 21 May 2020
| archive-url = https://web.archive.org/web/20200521180409/https://www.soyacincau.com/2020/05/15/tng-rfid-diy-self-fitment-kit-now-available/
| url-status = live
}}
Support for taxi-hailing mobile apps was added in November 2018 when Touch 'n Go partnered with EzCab and Public Cab, allowing users to make payments via QR code.{{cite news| last= Wong| first= Alexander| date= 2018-11-01| title= You can pay with Touch n Go eWallet when you grab a cab| url= https://www.soyacincau.com/2018/11/01/malaysia-taxi-cab-accept-touch-n-go-qr-payment/| work= SoyaCincau| access-date= 16 May 2020| archive-date= 1 November 2018| archive-url= https://web.archive.org/web/20181101160933/https://www.soyacincau.com/2018/11/01/malaysia-taxi-cab-accept-touch-n-go-qr-payment/| url-status= live}} This was later expanded to support MULA on 7 January 2020,{{cite news
| date = 2020-01-07
| title = PENANG HERITAGE STREETS GO CASHLESS WITH TOUCH 'N GO E-WALLET
| url = https://www.digitalnewsasia.com/digital-economy/penang-heritage-streets-go-cashless-touch-n-go-e-wallet
| work = Digital News Asia
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518033530/https://www.digitalnewsasia.com/digital-economy/penang-heritage-streets-go-cashless-touch-n-go-e-wallet
| url-status = live
}} and later MyCar on 4 April 2020.{{cite web
|url=https://twitter.com/Official_MyCar/status/1246273384037502976
|title=Making payment for MyCar is so much easier now! MyCar has now entered into a partnership with Touch 'n Go eWallet, Malaysian most preferred eWallet! Good news to all MyCar users! Now you can enjoy a cashless payment option when you are using MyCar with Touch N Go eWallet.
|date=2020-04-04
|access-date=2020-05-15
|archive-date=18 May 2020
|archive-url=https://web.archive.org/web/20200518033555/https://twitter.com/Official_MyCar/status/1246273384037502976
|url-status=live
}}
Touch 'n Go eWallet was also the first eWallet to convert Kuala Lumpur's most famous{{Cite web|date=2019-05-03|title=Touch 'n Go is powering the first Kashless Ramadan Bazaar in Kampong Bahru|url=https://www.soyacincau.com/2019/05/03/touch-n-go-ramadan-bazaar-kampong-bahru/|access-date=2021-01-25|website=SoyaCincau.com|language=en-GB|archive-date=29 January 2021|archive-url=https://web.archive.org/web/20210129115037/https://www.soyacincau.com/2019/05/03/touch-n-go-ramadan-bazaar-kampong-bahru/|url-status=live}} Ramadan bazaar—Kampong Kashless—in Kampong Bahru into a venue that can accept cashless payments with the implementation of QR codes. It welcomed more than 250,000 Malaysians including local celebrities and government officials.{{Cite web|date=2019-05-07|title=Touch n Go lancar Kampung Kashless, program bazaar Ramadan tanpa tunai di Kampung Baru|url=https://bm.soyacincau.com/2019/05/07/kampung-kashless-bazaar-ramadan-tanpa-tunai-kampung-baru/|access-date=2021-01-25|website=SoyaCincau.com|language=ms-MY|archive-date=30 January 2021|archive-url=https://web.archive.org/web/20210130115718/https://bm.soyacincau.com/2019/05/07/kampung-kashless-bazaar-ramadan-tanpa-tunai-kampung-baru/|url-status=live}}{{Relevance inline|date=January 2021}}
On 12 August 2019, Touch 'n Go hired the former Chief Executive Officer of Firefly and Group Chief Revenue Officer of Malaysia Airlines: Ignatius Ong as the Chief Executive Officer for TNG Digital Sdn Bhd, while Syahrunizam Samsudin became Chief Executive Officer for its parent company, Touch 'n Go.
Some e-commerce websites owned by the Alibaba Group began to support Touch 'n Go eWallet payments on 1 October 2019, though support was initially only provided on the retail sites TMall and Taobao,{{cite news
| date = 2019-10-01
| title = More shopping options for Touch n' Go eWallet users
| url = https://www.thestar.com.my/business/business-news/2019/10/01/more-shopping-options-for-touch-n-go-ewallet-users
| work = The Star
| access-date = 2020-05-15
| archive-date = 2 October 2019
| archive-url = https://web.archive.org/web/20191002053654/https://www.thestar.com.my/business/business-news/2019/10/01/more-shopping-options-for-touch-n-go-ewallet-users
| url-status = live
}} with support for Lazada added on 29 October 2019.{{cite news
| last = Tun Yau
| first = Pang
| date = 2019-10-29
| title = Lazada Now Accepts Touch 'n Go eWallet As A Payment Option
| url = https://ringgitplus.com/en/blog/e-wallet/lazada-now-accepts-touch-n-go-ewallet-as-a-payment-option.html
| work = RinggitPlus
| access-date = 2020-05-15
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518033643/https://ringgitplus.com/en/blog/e-wallet/lazada-now-accepts-touch-n-go-ewallet-as-a-payment-option.html
| url-status = live
}}
Touch 'n Go eWallet was one of the three e-wallet services in Malaysia (the other being Boost and GrabPay) that was eligible for its users to receive an RM30 stimulus plan as part of the E-Tunai Rakyat program under the Budget 2020 plan, which encourages the adoption of cashless and mobile payment in Malaysia.{{cite news
| last = Wong
| first = Alexander
| date = 2019-12-20
| title = E-Tunai Rakyat: How-to redeem your RM30 eWallet credit
| url = https://www.soyacincau.com/2019/12/20/how-to-redeem-e-tunai-rakyat-rm30-ewallet/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 11 June 2020
| archive-url = https://web.archive.org/web/20200611000819/https://www.soyacincau.com/2019/12/20/how-to-redeem-e-tunai-rakyat-rm30-ewallet/
| url-status = live
}} Unlike its competitors, GrabPay and Boost, whose P2P transfer functionality were completely disabled until users have finished their RM30 which were received from the stimulus plan, Touch 'n Go eWallet did not show an additional RM30 from their user balance when users attempt to perform P2P transfer, which made P2P transfer functionality still usable despite the balance from the stimulus plan remaining inside their account.{{cite news
| last = Tun Yau
| first = Pang
| date = 2020-01-15
| title = Your E-Wallet's P2P Transfer Feature Will Be Disabled Upon Receiving RM30 Credit
| url = https://ringgitplus.com/en/blog/e-wallet/your-e-wallets-p2p-transfer-feature-will-be-disabled-upon-receiving-rm30-credit.html
| work = RinggitPlus
| access-date = 2020-05-29
| archive-date = 8 January 2021
| archive-url = https://web.archive.org/web/20210108060834/https://ringgitplus.com/en/blog/e-wallet/your-e-wallets-p2p-transfer-feature-will-be-disabled-upon-receiving-rm30-credit.html
| url-status = live
}}
Touch 'n Go eWallet joined DuitNow, an electronic transaction ecosystem in Malaysia which allows the funds from Touch 'n Go eWallet to be transferred to other competing services and vice versa, and allows users to make payments to merchants that use only one unified DuitNow QR code, which can also be used by competing e-wallet apps. Announced in February 2020, it is slated to be operational by July 2020.{{cite news
| last = Wong
| first = Alexander
| date = 2020-02-11
| title = TNG eWallet users can soon transfer funds to banks and other eWallets
| url = https://www.soyacincau.com/2020/02/11/touch-n-go-ewallet-duitnow-qr-code-unified-standard/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 12 April 2020
| archive-url = https://web.archive.org/web/20200412170326/https://www.soyacincau.com/2020/02/11/touch-n-go-ewallet-duitnow-qr-code-unified-standard/
| url-status = live
}}
Japan become the first country outside Malaysia to support Touch 'n Go eWallet payment via Alipay Connect.{{cite news
| date = 2020-03-22
| title = Touch 'n Go eWallet now supports cross-border payments in Japan
| url = https://technave.com/gadget/Touch-n-Go-eWallet-now-supports-cross-border-payments-in-Japan-17526.html
| work = Tech Nave
| access-date = 2020-05-18
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518094206/https://technave.com/gadget/Touch-n-Go-eWallet-now-supports-cross-border-payments-in-Japan-17526.html
| url-status = live
}}
From early 2020, during the COVID-19 pandemic and the enforcement of the movement control order, Touch 'n Go eWallet and other competing e-wallet services have seen boosted in popularity as many users rely on these services to make payments for take-out and donations for zakat. The adoption of cashless payment would also hopefully help small and medium-sized enterprises thrive and sustain during the pandemic period.{{cite news
| date = 2020-04-28
| title = Virus pandemic steepens adoption curve of contactless payment in Malaysia
| url = https://www.phnompenhpost.com/international/virus-pandemic-steepens-adoption-curve-contactless-payment-malaysia
| work = The Phnom Penh Post
| access-date = 2020-05-18
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518033617/https://www.phnompenhpost.com/international/virus-pandemic-steepens-adoption-curve-contactless-payment-malaysia
| url-status = live
}}
Touch 'n Go eWallet launched its loyalty programme – The Goal Hunter – in October 2020. The Goal Hunter was introduced to allow businesses to partner with the eWallet and gain more customers via campaigns that reward users with a spectrum of #LebihBanyakEsktra cashbacks and e-Vouchers. Touch 'n Go eWallet users are able to collect rewards from a range of featured e-Vouchers from several brands on a monthly basis. Users only need to start activating their goal to collect stamps when they transact with the eWallet anytime - every RM10 spent at any of its over 280,000 merchants touchpoints nationwide, whether online or in-store, to get 1 stamp. Users need only 2 stamps to get 1 Reward Voucher. Users can then choose up to 5 Rewards of their choice every month. New Reward Vouchers are refreshed on a monthly basis, thus users are required to Start their Goals every month.{{Cite web|date=2020-10-05|title=TNG eWallet Launches Goal Hunter Campaign, Offers Up To Five Rewards Of Your Choice|url=https://ringgitplus.com/en/blog/e-wallet/tng-ewallet-launches-goal-hunter-campaign-offers-up-to-five-rewards-of-your-choice.html|access-date=2021-01-25|website=RinggitPlus|language=en-GB|archive-date=30 January 2021|archive-url=https://web.archive.org/web/20210130054717/https://ringgitplus.com/en/blog/e-wallet/tng-ewallet-launches-goal-hunter-campaign-offers-up-to-five-rewards-of-your-choice.html|url-status=live}}{{Promotion inline|date=January 2021}}
Services
Touch 'n Go eWallet can be accessed by smartphones via the Touch 'n Go eWallet app. It utilizes QR code technology for local in-store payments. The Touch 'n Go eWallet app also provides features such as utility bills payment from telecommunications companies like Unifi, Maxis, and Digi; loan repayments for courts, MBSJ payments and PTPTN; car parking payment;{{cite news
| last = Lye
| first = Gerald
| date = 2019-12-12
| title = TNG eWallet can be used to pay for street parking
| url = https://paultan.org/2019/12/12/tng-ewallet-can-be-used-to-pay-for-street-parking/
| work = paultan.org
| access-date = 2020-05-16
| archive-date = 5 January 2020
| archive-url = https://web.archive.org/web/20200105221755/https://paultan.org/2019/12/12/tng-ewallet-can-be-used-to-pay-for-street-parking/
| url-status = live
}} P2P transfer;{{cite news
| last = Tariq
| first = Qishin
| date = 2019-09-03
| title = Money transfers via Touch 'n Go eWallet will get a 10% bonus this month
| url = https://www.thestar.com.my/tech/tech-news/2019/09/03/money-transfers-via-touch-n-go-ewallet-will-get-a-10-bonus-this-month
| work = The Star
| access-date = 2020-05-15
| archive-date = 19 May 2021
| archive-url = https://web.archive.org/web/20210519022418/https://www.thestar.com.my/tech/tech-news/2019/09/03/money-transfers-via-touch-n-go-ewallet-will-get-a-10-bonus-this-month
| url-status = live
}} mobile prepaid top-up; airline ticket bookings;{{cite news
| last = Vern Tham
| first = Jia
| date = 2018-03-23
| title = 6 Things You Should Know About The New Touch 'N Go App
| url = https://says.com/my/tech/things-you-should-know-about-the-new-touch-n-go-app
| work = Says.com
| access-date = 2020-05-16
| archive-date = 4 August 2020
| archive-url = https://web.archive.org/web/20200804055848/https://says.com/my/tech/things-you-should-know-about-the-new-touch-n-go-app
| url-status = live
}} and movie tickets from TGV Cinemas.{{cite news
| date = 2019-08-01
| title = Buying movie tickets with e-wallet
| url = https://www.nst.com.my/lifestyle/bots/2019/08/509103/buying-movie-tickets-e-wallet
| work = New Straits Times
| access-date = 2020-05-15
| archive-date = 2 August 2019
| archive-url = https://web.archive.org/web/20190802130807/https://www.nst.com.my/lifestyle/bots/2019/08/509103/buying-movie-tickets-e-wallet
| url-status = live
}} The auto-reload feature allows users with low credit balance to automatically have it reloaded for game credits and prepaid phone credits by using credit or debit cards saved in the eWallet.{{cite news
| last = Wong
| first = Alexander
| date = 2018-12-09
| title = Touch 'n Go E-Wallet now comes with auto-reload feature
| url = https://www.soyacincau.com/2018/12/09/touch-n-go-ewallet-app-auto-reload/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 10 June 2020
| archive-url = https://web.archive.org/web/20200610003307/https://www.soyacincau.com/2018/12/09/touch-n-go-ewallet-app-auto-reload/
| url-status = live
}} In addition, Touch 'n Go eWallet allows users to view their remaining balance on their physical Touch 'n Go cards, although users will not be able to reload their physical cards using the app.{{cite news
| last = Wong
| first = Alexander
| date = 2018-08-24
| title = Now you can check your physical Touch 'n Go card balance on your smartphone
| url = https://www.soyacincau.com/2018/08/24/touch-n-go-ewallet-app-check-touch-n-go-balance/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 10 August 2020
| archive-url = https://web.archive.org/web/20200810182925/https://www.soyacincau.com/2018/08/24/touch-n-go-ewallet-app-check-touch-n-go-balance/
| url-status = live
}}
The PayDirect feature allows users to add their physical Touch 'n Go cards into the eWallet to use the added Touch 'n Go cards at toll booths, though toll fares are deducted from the eWallet balance instead of the physical Touch 'n Go cards.{{cite news
| date = 2020-02-06
| title = Touch 'n Go eWallet is the one to beat!
| url = https://www.malaysiakini.com/advertorial/509642
| work = MalaysiaKini
| access-date = 2020-05-15
| archive-date = 3 August 2020
| archive-url = https://web.archive.org/web/20200803091824/https://www.malaysiakini.com/advertorial/509642
| url-status = live
| last = Wong
| first = Alexander
| date = 2020-12-07
| title = Touch 'n Go solves the biggest problem with its e-wallet
| url = https://www.soyacincau.com/2018/12/07/touch-n-go-card-ewallet-top-up/
| work = SoyaCincau
| access-date = 2020-05-15
| archive-date = 3 April 2020
| archive-url = https://web.archive.org/web/20200403075325/https://www.soyacincau.com/2018/12/07/touch-n-go-card-ewallet-top-up/
| url-status = live
}} As an alternative for toll payments, cars with the Touch 'n Go RFID Tag can pass through toll gates at RFID toll booths to make toll payments. Toll fares are deducted from the eWallet balance.{{cite news
| last = Xue Ying
| first = Tan
| date = 2020-02-12
| title = Touch 'n Go partners Shell Malaysia for RFID fuel payments
| url = https://www.theedgemarkets.com/article/touch-n-go-partners-shell-malaysia-rfid-fuel-payments
| work = The Edge
| access-date = 2020-05-16
| archive-date = 19 May 2021
| archive-url = https://web.archive.org/web/20210519022434/https://www.theedgemarkets.com/article/touch-n-go-partners-shell-malaysia-rfid-fuel-payments
| url-status = live
}}
Touch 'n Go eWallet is the first and only eWallet to offer a money-back guarantee feature on its eWallet. It is a protection feature in the Touch ‘n Go eWallet, that in the unlikely event an unauthorised transaction is made on the user’s eWallet account, Touch 'n Go eWallet will refund the disputed amount, provided that the requirements under the Terms & Conditions of the Money-back Guarantee are met.{{Cite web|date=2019-06-27|title=Touch 'n Go introduces Money Back Guarantee policy for its eWallet|url=https://themalaysianreserve.com/2019/06/27/touch-n-go-introduces-money-back-guarantee-policy-for-its-ewallet/|access-date=2021-01-25|website=The Malaysian Reserve|language=en-US|archive-date=30 January 2021|archive-url=https://web.archive.org/web/20210130000414/https://themalaysianreserve.com/2019/06/27/touch-n-go-introduces-money-back-guarantee-policy-for-its-ewallet/|url-status=live}}{{Promotion inline|date=January 2021}}
Touch 'n Go eWallet also allows online check-out on e-commerce websites owned by the Alibaba Group including TMall, Taobao, and Lazada; online TV shopping channels such as Go Shop and WowShop; the iTunes Store; Apple Music; iOS App Store; Mac App Store;{{cite news
| last = Razak
| first = Hayatun
| date = 2019-04-03
| title = TNG Digital Partners With Apple To Allow App Store Payments With Touch 'n Go eWallet
| url = https://ringgitplus.com/en/blog/e-wallet/tng-digital-partners-with-apple-to-allow-app-store-payments-with-touch-n-go-ewallet.html
| work = RinggitPlus
| access-date = 2020-05-16
| archive-date = 25 September 2020
| archive-url = https://web.archive.org/web/20200925034553/https://ringgitplus.com/en/blog/e-wallet/TNG-Digital-Partners-With-Apple-To-Allow-App-Store-Payments-With-Touch-n-Go-eWallet.html
| url-status = live
}} and HuaWei App Gallery.{{Cite web|title=Huawei AppGallery Up To RM8.80 Cashback Promotion With Touch 'n Go eWallet (7 December 2020 - 10 February 2021)|url=https://www.syioknya.com/DealDetail/35222-huawei-appgallery-cashback-promotion-touch-n-go-ewallet|access-date=2021-01-25|website=www.syioknya.com|language=en|archive-date=1 February 2021|archive-url=https://web.archive.org/web/20210201170034/https://www.syioknya.com/DealDetail/35222-huawei-appgallery-cashback-promotion-touch-n-go-ewallet|url-status=live}}
Several chain tenants, franchises and restaurants accept Touch 'n Go eWallet payments, including Tesco, all retail stores owned by Dairy Farm International Holdings (Giant Hypermarket, Cold Storage, Mercato), Watsons,{{cite news
| last = Wan Xiang
| first = Yap
| date = 2020-01-08
| title = Tesco, Giant, And 15 More Places That Help You Save While Shopping With E-Wallets For CNY
| url = https://says.com/my/tech/here-are-all-must-grab-cashback-deals-from-tng-and-boost-this-chinese-new-year
| work = Says.com
| access-date = 2020-05-16
| archive-date = 3 March 2021
| archive-url = https://web.archive.org/web/20210303051001/https://says.com/my/tech/here-are-all-must-grab-cashback-deals-from-tng-and-boost-this-chinese-new-year
| url-status = live
}} KFC,{{cite news
| last = Tariq
| first = Qishin
| date = 2019-05-17
| title = Customers can now buy KFC with Touch 'n Go's eWallet
| url = https://www.thestar.com.my/tech/tech-news/2019/05/17/customers-can-now-pay-for-kfc-with-tng
| work = The Star
| access-date = 2020-05-16
| archive-date = 17 May 2019
| archive-url = https://web.archive.org/web/20190517142213/https://www.thestar.com.my/tech/tech-news/2019/05/17/customers-can-now-pay-for-kfc-with-tng/
| url-status = live
| date = 2020-11-04
| title = E-wallet and fast food chain team up to offer contactless payment
| url = https://www.thestar.com.my/metro/metro-news/2020/11/04/e-wallet-and-fast-food-chain-team-up-to-offer-contactless-payment
| work = The Star
| access-date = 2020-11-12
| archive-date = 18 November 2020
| archive-url = https://web.archive.org/web/20201118061922/https://www.thestar.com.my/metro/metro-news/2020/11/04/e-wallet-and-fast-food-chain-team-up-to-offer-contactless-payment
| url-status = live
}} Dunkin' Donuts, Baskin-Robbins, Starbucks, Coffee Bean and Tea Leaf, Shell, Petron, and 99 Speedmart. Several chain convenience store companies, including 7-Eleven{{cite news
| date = 2019-10-21
| title = Touch 'n Go eWallet Now Accepted At 7-Eleven Stores Nationwide
| url = https://ringgitplus.com/en/blog/e-wallet/touch-n-go-ewallet-now-accepted-at-7-eleven-stores-nationwide.html
| work = RiggitPlus
| access-date = 2020-05-15
| archive-date = 19 September 2020
| archive-url = https://web.archive.org/web/20200919131755/https://ringgitplus.com/en/blog/e-wallet/touch-n-go-ewallet-now-accepted-at-7-eleven-stores-nationwide.html
| url-status = live
}} and myNews, support Touch 'n Go eWallet payment. Touch 'n Go eWallet is also supported on taxi-hailing mobile apps including EzCab, Public Cab, MULA and MyCar; and online food delivery services such as DeliverEat, Aliments, Beep Delivery, Go Eat, EASI, LOLOL, MULA Eats, PichaEats, RunningMan, SmartBite, McDelivery, KFC Delivery, and Pizza Hut Delivery.{{cite news
| last = Mukminin
| first = Amirul
| date = 2020-01-06
| title = Touch 'n Go eWallet Takes Over Penang
| url = https://www.dsf.my/2020/01/touch-n-go-ewallet-cashless-penang/
| work = DSF.my
| access-date = 2020-05-18
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518035438/https://www.dsf.my/2020/01/touch-n-go-ewallet-cashless-penang/
| url-status = live
}}
Touch 'n Go eWallet can be used to pay for car parking and street parking at the following areas:{{Cite web|date=2020-12-15|title=Touch 'n Go eWallet now lets you pay for Petaling Jaya and Shah Alam street parking|url=https://www.soyacincau.com/2020/12/15/touch-n-go-ewallet-petaling-jaya-shah-alam-street-parking-payment/|access-date=2021-01-25|website=SoyaCincau.com|language=en-GB|archive-date=30 January 2021|archive-url=https://web.archive.org/web/20210130005049/https://www.soyacincau.com/2020/12/15/touch-n-go-ewallet-petaling-jaya-shah-alam-street-parking-payment/|url-status=live}}
Fundraising
During the COVID-19 pandemic and the enforcement of the movement control order in 2020, Touch 'n Go introduced the charity fundraising program that allows users to make donations via Touch 'n Go eWallet. Notable charity organizations that participated in Touch 'n Go eWallet fundraising program include Tzu Chi Foundation, Make A Wish Foundation, Malaysian Red Crescent Society, Rotary Club, and Malaysian AIDS Council.{{cite news
| date = 2020-04-07
| title = Donate to the needy with Touch 'n Go eWallet
| url = https://www.thestar.com.my/news/nation/2020/04/07/donate-to-the-needy-with-tng-ewallet
| work = The Star
| access-date = 2020-05-18
| archive-date = 26 September 2020
| archive-url = https://web.archive.org/web/20200926215456/https://www.thestar.com.my/news/nation/2020/04/07/donate-to-the-needy-with-tng-ewallet
| url-status = live
}} {{As of|2020|May|1}}, Touch 'n Go eWallet has facilitated donations to 22 non-governmental organizations in Malaysia with amounts worth more than RM280,000 (~US$69,000).{{cite news
| last = Netto
| first = Stephen
| date = 2020-05-01
| title = Contactless innovations keep the world moving amid COVID-19
| url = https://www.theonlinecitizen.com/2020/05/01/contactless-innovations-keep-the-world-moving-amid-covid-19/
| work = The Online Citizen
| access-date = 2020-05-18
| archive-date = 18 May 2020
| archive-url = https://web.archive.org/web/20200518095118/https://www.theonlinecitizen.com/2020/05/01/contactless-innovations-keep-the-world-moving-amid-covid-19/
| url-status = live
}} Latest donation transactions facilitated to date on 31 Dec 2020 amounts to RM5,432,319 donations received with a total of 215,314 transactions.{{Cite web|title=Donate to the needy with Touch 'n Go eWallet {{!}} The Star|url=https://www.thestar.com.my/news/nation/2020/04/07/donate-to-the-needy-with-tng-ewallet|access-date=2021-01-25|website=www.thestar.com.my|date=7 April 2020 |archive-date=26 September 2020|archive-url=https://web.archive.org/web/20200926215456/https://www.thestar.com.my/news/nation/2020/04/07/donate-to-the-needy-with-tng-ewallet|url-status=live}}
Reception
| {| class="wikitable"
|+ User base for Touch 'n Go eWallet |
| Period
! Number of users ! Ref |
|---|
| June 2019
| 4 million | last = Goh | first = Joyce | date = 2019-06-19 | title = CIMB unit Touch 'n Go eyes new products in e-financial space | url = https://www.theedgemarkets.com/article/cimb-unit-touch-n-go-eyes-new-products-efinancial-space | work = The Edge | access-date = 2020-05-15 | archive-date = 19 May 2021 | archive-url = https://web.archive.org/web/20210519022417/https://www.theedgemarkets.com/article/cimb-unit-touch-n-go-eyes-new-products-efinancial-space | url-status = live }} |
| July 2019
| 4.3 million |
| January 2020
| 7 million | last = Wong | first = Alexander | date = 2020-01-14 | title = eWallet Comparison: Grab vs Touch 'n Go vs Boost | url = https://www.soyacincau.com/2020/01/14/ewallet-comparison-grab-touch-n-go-boost/ | work = SoyaCincau | access-date = 2020-05-15 | archive-date = 19 May 2021 | archive-url = https://web.archive.org/web/20210519022424/https://soyacincau.com/2020/01/14/ewallet-comparison-grab-touch-n-go-boost/ | url-status = live }} |
| February 2020
| 9 million |
| April 2020
| 10 million |
| January 2021
|Over 15 million |
|
| class="wikitable"
|+ User base for RFID usage |
| Period
! Number of users ! Ref |
|---|
| April 2019
| 100,000 | last = Wong | first = Alexander | date = 2019-04-09 | title = You can get your TNG RFID without an appointment at these locations | url = https://www.soyacincau.com/2019/04/09/tng-rfid-walk-in-fitment-centres/ | work = SoyaCincau | access-date = 2020-05-15 | archive-date = 22 August 2020 | archive-url = https://web.archive.org/web/20200822030803/https://www.soyacincau.com/2019/04/09/tng-rfid-walk-in-fitment-centres/ | url-status = live }} |
| May 2019
| 200,000 | last = Lim | first = Anthony | date = 2019-05-16 | title = Touch 'n Go RFID – what to do when you sell your car | url = https://paultan.org/2019/05/16/touch-n-go-rfid-what-to-do-when-you-sell-your-car/ | work = paultan.org | access-date = 2020-05-15 | archive-date = 3 June 2019 | archive-url = https://web.archive.org/web/20190603041224/https://paultan.org/2019/05/16/touch-n-go-rfid-what-to-do-when-you-sell-your-car/ | url-status = live }} |
| February 2020
| 1.2 million |
| January 2021
|1.5 million | |
|
| class="wikitable"
|+ Touch 'n Go eWallet merchants |
| Period
! Number of merchants ! Ref |
|---|
| July 2019
| 50,000 |
| October 2019
| 100,000 | last = Wong | first = Alexander | date = 2019-12-22 | title = Here's why other eWallets were not picked for the eTunai Rakyat program | url = https://www.soyacincau.com/2019/12/22/ewallet-selection-criteria-etunai-rakyat-malaysia/ | work = SoyaCincau | access-date = 2020-05-15 | archive-date = 16 June 2020 | archive-url = https://web.archive.org/web/20200616234111/https://www.soyacincau.com/2019/12/22/ewallet-selection-criteria-etunai-rakyat-malaysia/ | url-status = live }} |
| January 2020
| 120,000 |
| February 2020
| 135,000 |
| January 2021
|280,000 | |
|}
See also
- vcash, one of the earliest defunct mobile e-wallet platforms in Malaysia
References
{{reflist}}
External links
- [https://www.tngdigital.com.my/ Official website] {{Webarchive|url=https://web.archive.org/web/20210608145409/https://www.tngdigital.com.my/ |date=8 June 2021 }}
{{Alibaba Group}}
{{Digital payment providers}}
{{Rail transport in Malaysia}}
Category:2017 establishments in Malaysia
Category:Online companies of Malaysia
Category:Internet properties established in 2017
Category:Companies based in Kuala Lumpur
Category:Electronic toll collection
Category:Fare collection systems