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Why Your Online Checkout Still Needs a Cash Option

October 08, 2026

Even as digital payments accelerate in Malaysia, cash has not left the checkout.

According to Bank Negara Malaysia, e-payment transactions grew 25% to 18.4 billion in 2025, up from 14.7 billion in 2024. At the same time, BNM notes that cash continues to be in demand even as digital payments gain momentum, particularly because it remains usable during digital disruptions or limited connectivity and supports participation among rural and unbanked communities.

For merchants, that raises a practical question: Can a customer who prefers cash still complete an online purchase?

Some Customers Still Prefer Cash

Customers choose cash for different reasons. Some use it to manage their spending. Others may not use cards or online banking, or simply feel more comfortable paying in cash.

A digital-only checkout can leave cash-preferring customers with nowhere to complete the purchase.

How Fiuu Cash Works

Fiuu Cash is an over-the-counter cash payment method that connects an online order with cash payment at a participating store. Fiuu Cash allows customers to place an order online and complete the payment in cash at a participating store.

The process is straightforward:

1. The customer shops online and selects Fiuu Cash at checkout.
2. The customer receives the transaction details, including the transaction ID, verification code and payment amount.
3. The customer visits a participating store and provides those details to the cashier.
4. The customer completes the payment in cash, and the merchant is notified once the payment is confirmed.

This gives customers an offline way to pay for an online order without requiring the merchant to collect the cash directly.

Where Can Customers Pay With Fiuu Cash?

Fiuu currently lists the following Fiuu Cash channels in Malaysia:

• 7-Eleven
• 99 Speedmart
• Cosway
• KKmart

Available channels depend on the merchant's Fiuu setup and enabled services.

What Fiuu Cash Means for Merchants

1. Serve cash-preferring customers

   Customers who are comfortable ordering online but prefer physical cash can still complete the purchase using a payment method that suits them.

2. No cash counter of your own

   The physical cash payment takes place at a participating store, so the merchant does not need to operate its own cash collection point for the online order.

3. Know when the payment is confirmed

   The merchant receives a notification once the cash payment is confirmed, so the order can move forward.

4. Complement digital payment options

   Fiuu Cash can form part of a broader Fiuu payment setup alongside supported channels such as cards, online banking, e-wallets and QR payments.

More payment methods do not automatically make a better checkout. The right ones are those your customers actually use.

When Does Fiuu Cash Make Sense?

Fiuu Cash is worth considering if your customers include people who are comfortable shopping online but prefer to pay in cash.

For an e-commerce merchant serving a broad customer base, for example, it creates another payment route without requiring the customer to use a card, e-wallet or online banking.

For some businesses, cash may represent only a small part of the payment mix. For others, it gives cash-preferring customers another way to complete an online purchase.

Cash and digital payments do not have to be an either-or decision.

Interested in adding Fiuu Cash to your payment setup? Sign up as a Fiuu Merchant at booster.fiuu.com or contact [email protected].

Frequently Asked Questions

1. What is Fiuu Cash?

   Fiuu Cash is an over-the-counter payment method that allows customers to place an order online and complete the payment in cash at a participating store.

2. How does a customer pay with Fiuu Cash?

   The customer selects Fiuu Cash during online checkout, receives the transaction ID, verification code and payment amount, then presents those details at a participating store to complete the payment in cash.

3. Where can customers pay with Fiuu Cash in Malaysia?

   Fiuu currently lists 7-Eleven, 99 Speedmart, Cosway and KKmart as Fiuu Cash channels in Malaysia. Available channels depend on the merchant's Fiuu setup and enabled services.

4. Do I need a physical terminal or cash counter?

   No. Customers complete the cash payment at a participating store, so the merchant does not need its own cash counter for the online order.

5. Can Fiuu Cash be offered alongside digital payment methods?

   Yes. Fiuu Cash can form part of a wider payment setup alongside supported channels such as cards, online banking, e-wallets and QR payments. Exact availability depends on the merchant's market, account and integration.