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Contactless Payments for Beginners: What First-Time Users Need to Know

prepared by clicks@perak on 29 December 2025

Contactless payments are no longer something new or unfamiliar. Across Malaysia, and especially in Perak, more people are paying for meals, groceries, transport, and services without using cash. A simple tap or scan has replaced notes and coins for many daily transactions.

For first-time users, however, contactless payments can still feel confusing or even risky. Understanding the basics, knowing what to look out for, and developing good habits can help you use digital payments with confidence and peace of mind.

What Are The Types of Contactless Payments in Malaysia?

Contactless payments refer to transactions that do not require physical cash or inserting a card into a machine. Instead, payments are completed using:

  • round
    QR codes (such as DuitNow QR)
  • number-2
    Debit or credit cards with tap functionality
  • number-3
    Mobile phones using e-wallets or NFC technology

The transaction is completed wirelessly within seconds, making it faster and more convenient than traditional payment methods.

How Contactless Payments Work
(In Simple Terms)

  • The merchant displays a QR code or activates a payment terminal

  • The user scans the QR code or taps their card/phone.

  • The user scans the QR code or taps their card/phone.

  • The transaction is authorised and completed instantly.

  • A notification or receipt confirms the payment.

Everything happens digitally, reducing the need for physical contact and manual handling.

Why More People Are Choosing Contactless Payments

Many first-time users switch to contactless payments because of the practical benefits, such as:

  • Speed :

    Payments are completed in seconds.

  • Convenience:

    No need to carry exact change or large amounts of cash.

  • Spending visibility:

    Transactions are recorded automatically.

  • Hygiene:

    Less physical contact compared to cash handling.

These advantages make contactless payments especially useful for everyday purchases.

Is It Safe to Use Contactless Payments?

Yes, when used correctly. Most e-wallets and contactless payment systems include built-in security features such as:

  • Password or PIN protection
  • Biometric authentication (fingerprint or face recognition)
  • Real-time transaction alerts

However, safety also depends on user behaviour. Being aware and cautious is just as important as the technology itself.

Essential Safety Tips for First-Time Users

If you are new to contactless payments, keep these habits in mind:

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    Always check the recipient’s name
    before confirming payment.
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    Avoid scanning unknown or suspicious QR codes,
    especially in public places.
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    Do not rush transactions,
    as mistakes often happen when users are distracted.
  • 4
    Keep your apps updated
    to ensure the latest security features are active.
  • number-5
    Review your transaction history regularly
    for unfamiliar activity.


In Perak, initiatives such as Clicks@Perak help new users feel more confident by promoting verified merchants and encouraging safer digital payment practices across the state.

Starting Small Is Perfectly Fine

You do not need to go completely cashless right away. Many users begin by using contactless payments for small, familiar purchases. Over time, as confidence grows, digital payments naturally become part of daily life.

With the right knowledge and simple precautions, contactless payments can be a safe, convenient, and practical option for beginners.

Clicks@Perak is a platform that promotes a cashless society in Perak, providing services such as e-wallets, payment applications, payment terminals, and Mastercard/debit cards, as well as various financial assistance programs for university students in Perak. Visit Clicks@Perak for more information.