Bank Rakyat and Paysys Install First Unattended Payment Terminal at KL Headquarters
Bank Rakyat and payment-terminal provider Paysys by NTT DATA have installed their first unattended payment terminal, at Menara Kembar Bank Rakyat, the bank’s headquarters in Kuala Lumpur. The machine lets customers pay by card or phone on their own, with no cashier or counter staff. It is a small deployment, but it shows where Malaysian merchant payments are heading: self-service and away from cash.
Key facts
- Paysys by NTT DATA says this is its first unattended payment terminal deployed together with Bank Rakyat.
- The terminal is at Menara Kembar Bank Rakyat in Kuala Lumpur, one of the bank’s main buildings.
- Customers complete secure, contactless and cashless payments themselves, without help from staff.
- The launch follows an Android payment “soundbox” the two companies rolled out earlier this year for small Malaysian businesses.
- Bank Rakyat links the project to its digitalisation push and its “Untuk Semua” (For Everyone) service aspiration.
What is an unattended payment terminal?
Most card machines in Malaysia sit beside a cashier, who keys in the amount and hands the device to the customer. An unattended terminal is built to work with nobody standing next to it. It is usually fixed inside a kiosk, vending machine, parking machine, self-service counter or charging point, and the amount comes from the machine it is connected to. The customer simply taps a card, phone or watch and walks away.
Because nobody is watching the device, unattended terminals are designed to be harder to tamper with and to keep working for long hours. That is why banks and acquirers (the companies that sign up merchants to accept card and QR payments) treat them as a separate product from ordinary point-of-sale (POS) machines.
Paysys chief operating officer Jeremy Low said unattended payments are becoming an increasingly important part of how organisations serve customers, and that this deployment shows payment technology moving into everyday touchpoints. Bank Rakyat group chief executive Ahmad Shahril Mohd Shariff described the terminal at its headquarters as a practical step towards making daily transactions more convenient and seamless.
Why Bank Rakyat is building a merchant business
Bank Rakyat, formally Bank Kerjasama Rakyat Malaysia, is a cooperative bank that operates on Islamic banking principles. It is better known for personal financing and savings than for merchant services, but it has been building up its payment acceptance offering. In July, it launched the Android soundbox with Paysys: a single device for small merchants that accepts payments, announces each successful payment out loud and issues digital receipts. According to Fintech News Malaysia, that device accepts Visa, Mastercard, MyDebit, e-wallets and contactless payments.
The unattended terminal adds a second product. Placing the first one at its own headquarters lets the bank test the machine with real customers and staff before offering it more widely. Neither company has said how many more units will follow, where they will go, or what merchants will pay.
What it means for Malaysians
- Consumers: expect more places where you tap and go without queuing, such as canteens, car parks, vending machines and self-service kiosks. A contactless card, a phone wallet or a DuitNow QR-enabled app is increasingly all you need.
- Merchants and SMEs: unattended payments let small operators earn money outside staffed hours, from laundromats to vending and parking. More banks offering these terminals should mean more choice when comparing fees and contracts.
- Banks: merchant acquiring is becoming competitive in Malaysia. Banks such as Bank Rakyat are moving beyond basic card machines into soundboxes, self-service devices and other niches to win small-business customers.
What to watch
- Whether Bank Rakyat and Paysys announce a wider rollout to merchants, and at what price.
- Which payment methods the unattended terminals will support, especially DuitNow QR alongside cards.
- How quickly other Malaysian banks and acquirers push into self-service and unattended payments.
Read more: How SoftPOS turns a Malaysian merchant’s phone into a card machine and How Malaysia’s payment system works.
Sources: Fintech News Malaysia (October 2026); BusinessToday Malaysia (October 2026); Fintech News Malaysia (July 2026).
