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Increase your earning power

Offer assisted remittance, prepaid top-up and bill payment services to your existing customer base

Enter your details to join Valyou CICO Merchant Programme

By continuing with this application, you agree to our Terms of Service and confirm that you have read our Privacy Policy. You may receive SMS notifications from Valyou and can unsubscribe at any time.

Required documents:
Applicant's MyKad (front and back)
SSM Forms A & D/E (registered business)
SSM Forms 9/13, 24 & 49 (Sdn Bhd company)

See how much more you can earn every month

Estimate the extra income that you can make every month through Valyou CICO Merchant Programme

Assisted Remittance
Assisted Remittance

Tap into this lucrative RM34bil business by assisting migrant workers in your area to send money overseas. Sign up now to earn bonus commission!

average commission
per month
Prepaid Top-up
Prepaid Top-up

Enjoy special commission during this introductory period. Top-up for all Malaysian telcos are available now and international ones are coming soon.

top-ups of RM15
average commission
per month
Bill Payment
Bill Payment

Earn even more commission when you make bill payment for your customers. Collect payments for postpaid internet, phone, water and electricity bills.

TNB/TM/Unifi bills
30 sen
flat-rate commission
per month
You can earn up to RM1,182.50 per month

Don't miss out on this opportunity to take your business to the next level!

What is Valyou?

For almost two decades, Norway’s Telenor Group has been working in close partnership with local SMEs in Malaysia through Digi. As one of the world’s leading telecommunications operators, Telenor has now embarked on financial services with the launch of Valyou Mobile Wallet in Malaysia.

Why Valyou?

Licensed by Bank Negara

Valyou Sdn Bhd (766531-U) is a licensed money services business (MSB) that provides multi-country international remittance services and is an approved issuer of e-money in Malaysia.

No investment required

Our service is designed to cater to small business owners and we offer multiple value-added services from one smartphone app. All you need is a mobile phone to start the business – it’s so simple.

Safe and secure systems

To meet high standards of security protection, we only work with leading and commercially proven security hardware and software products; network and application infrastructure.

Join Us

Valyou has over 2,000 partners across Malaysia who benefit from our CICO Merchant Programme. We would like to invite you to join us on this journey

Apply Now

Contact Us

Get in touch with our business development team to learn more about our CICO Merchant Programme

Karen (012-437 0089)    

Valyou Sdn Bhd (766531-U) is a Malaysian financial technology subsidiary of Telenor Group licensed and regulated as a money services business (MSB) and approved to issue e-money by Bank Negara Malaysia. Send money from Malaysia to Indonesia, Nepal, Bangladesh, India, Pakistan, Philippines, Vietnam and China from a branch, through an international remittance agent or via mobile wallet app. Valyou mobile wallet app features also include peer-to-peer transfer, prepaid top-up, bill payment and more.