JomPAY is Malaysia’s national bill payment scheme established and operated by Payments Network Malaysia Sdn Bhd (PayNet), under the auspices of Bank Negara Malaysia with the participation of banks and large billers. JomPAY establishes an accessible bill payment eco-system for consumers, banks and billers, where customer of 40 banks in Malaysia can pay bills anywhere and anytime. For businesses and billers, using JomPAY to collect payments from customers saves time and money, improves cash flow, and makes reconciliation of incoming payments easier.