Payong
Offer Payong at your clinic

Pay a hospital or clinic bill in instalments, not all at once.

Payong is a Malaysian instalment-payment service for medical bills. A patient scans a QR code at the counter, is credit-checked, and repays the bill over a fixed schedule of instalments — while the clinic is settled upfront. Coming to clinics across Malaysia.

Offer Payong at your clinic See how it works

Payong Technologies Sdn. Bhd. · registration no. 202101013131 (1413430-V) · our consumer credit licence application is in progress and has not yet been granted.

Scan, get a decision, then repay over a schedule An illustration of a payment schedule: a line connecting four points, representing the counter scan, the credit decision, and instalments after it.

Scan at the counter, get a credit decision, then repay over a schedule of instalments. Illustrative only — your actual schedule is shown before you confirm anything.

How it works

Three steps, from counter to repaid.

The mechanics stay the same regardless of which clinic you're at.

  1. 01

    Scan the QR at the counter

    Find the Payong standee at a participating clinic counter and scan the code with your phone to start.

  2. 02

    Credit check, in minutes

    Payong runs a credit check and gives you a decision in minutes, using your Malaysian NRIC to verify who you are.

  3. 03

    Pay in scheduled instalments

    Once approved, you repay the bill over a fixed number of scheduled instalments from your saved card, while Payong settles the clinic upfront.

For patients

What it costs, what you need, and what happens if a payment is missed.

Before you confirm a plan, Payong shows you the complete schedule — every due date and every amount — for that specific bill.

  • What you'll need

    A Malaysian NRIC, a debit or credit card, and a phone to scan the QR code and receive updates.

  • What it costs

    Each payment plan is agreed between Payong and the clinic issuing your bill, and the exact schedule is shown to you before you confirm anything. Plan terms are set per clinic, so Payong does not publish a single standard rate here.

  • If a payment is missed

    Instalments are collected automatically from your saved card. If a charge fails, Payong retries it and contacts you directly — don't ignore that message. Reach out to Payong as soon as you know a payment is going to fail, and settle any missed instalment as soon as you can.

For clinics and hospitals

Offer instalments without carrying the credit risk.

Payong settles your clinic upfront and takes on the risk of collecting from the patient over time.

  • Settled upfront

    Your clinic receives the bill amount upfront, minus an agreed service fee — not in instalments.

  • No credit risk carried by the clinic

    Payong carries the credit risk of the repayment plan, not your clinic. Payong credit-checks and collects from the patient directly.

  • Getting set up

    Get in touch using the enquiry below and Payong will walk you through onboarding your clinic and setting up a counter QR standee.

Offer Payong at your clinic

Payong is pre-launch and onboarding its first clinics. If you'd like to offer patients instalment payments, get in touch directly.

Email hello@payongcare.com
About Payong

The company behind Payong.

Payong Technologies Sdn. Bhd. is pre-launch: there are currently no live merchants and no live customers. Our application for a consumer credit licence is in progress and has not yet been granted. Nothing on this site should be read as a claim that Payong is currently a licensed or regulated credit provider.

Payong operates a healthcare payment platform: a patient at a hospital or clinic counter scans a QR standee, is credit-checked, and repays the bill in scheduled instalments. The clinic is settled upfront, minus an agreed service fee.

Legal name
PAYONG TECHNOLOGIES SDN. BHD.
Registration no.
202101013131 (1413430-V)
Incorporated
9 April 2021
Prior name
Aster Technologies Sdn. Bhd., renamed 1 July 2022
Registered address
17-09, Tower A, The Vertical Business Suite No. 8, Jalan Kerinchi, Bangsar South City, 59200 Kuala Lumpur, Malaysia
Contact

Get in touch.

There's no contact form here on purpose — a form needs a backend this site doesn't have. Email reaches a person.

Email

For patients, clinics, or anyone else — one address.

Registered address

Payong Technologies Sdn. Bhd.
17-09, Tower A, The Vertical Business Suite No. 8,
Jalan Kerinchi, Bangsar South City,
59200 Kuala Lumpur, Malaysia