Frequently Asked Questions
Effortless Onboarding, Expert Assistance.
Everything You Need to Know
What is YONO’s merchant program?
YONO offers a merchant onboarding program that allows businesses (small or large) to accept cashless payments (FPX, cards, e-wallets) via the YONO Superapp.
Is there a cost to become a YONO merchant?
No – the onboarding is free. YONO covers all setup costs.
What kinds of businesses can join?
Any business is welcome — YONO supports merchants in food & beverage, services, consumer goods, and more.
What payment methods can I accept as a YONO merchant?
Merchants can accept payments via:
- FPX (online banking)
- Credit/debit cards
- E-wallets (through YONO)
How does settlement work?
YONO simplifies bank reconciliation, meaning your payment proceeds can be reconciled more easily.
What support does YONO provide to merchants?
YONO provides local support (12 × 7) to merchants, ensuring help is available almost around the clock.
Can I promote special or personalized business offerings?
Yes – merchants can create and promote personalized offerings through a “miniapp” within YONO.
What are the fees or “Merchant Discount Rates” (MDR)?
YONO charges a competitive MDR for transactions via FPX, cards, and e-wallets.
Where can I find the merchant terms & conditions?
You can refer to the “Terms & Conditions for YONOPay Merchant” (PDF) provided by YONO for detailed merchant-specific terms.
Will my business be listed or promoted as a YONO merchant?
Yes, YONO lists existing merchants on its “Become a Merchant” page — for example, F&B outlets, local services, etc
How do I apply to become a YONO merchant?
You can sign up via the “Sign me up as Merchant” button on the YONO website’s “Become a Merchant” page.
Are there any restrictions on the size of business?
No – YONO states they accept any business, big or small.
How secure are YONO payments?
YONO’s payment services are backed by YONO Superapp’s security infrastructure and Fass Payment Solutions, a licensed e-money issuer.
Who can I contact for help or support?
For merchant-related inquiries, you should contact YONO support. According to their T&C, merchant support is done via Borneo Integrated Pay Sdn Bhd (BIPSB).
Can YONO change terms and conditions for merchants?
Yes – YONO (via Fasspay / BIPSB) may revise the merchant Terms of Use. They commit to notifying merchants at least 21 days before such changes.
Roles & Responsibilities
| Roles | YONO |
|---|---|
|
Description |
Responsible for customer onboarding and customer service-related matters (i.e. 1st point of contact for customer facing processes) |
|
Overview |
Manages customer-facing processes such as onboarding, customer service-related matters (i.e. 1st point of contact) ensuring smooth experience for customers |
|
Application of Services (Customer on Boarding) |
Handles the customer interface during onboarding, ensuring a smooth experience, and ensures that the process complies with regulations and is user-friendly |
|
Settlement / Fund Management |
Present transparency of financial transactions to end customers in by adhering to Fasspay’s standards |
|
Customer Service and Inquiry |
Provide first-level customer service by managing account information, offering updates on payment transactions status, and handling dispute resolution |
|
Fraud Management |
Acts as the frontline fraud response, communicating with customers to resolve fraud related matters with their customers |
|
Claims and Disputes |
Handling disputes from customers, providing timely resolution and communication on complaints on other services provided |