Setel Help - Bill payments via Setel

Not all billers are currently supported for bill payments on Setel. If your biller isn’t listed in the Bill Payments lists, it means the biller is currently unavailable.

Some commonly requested billers that are currently unavailable include TNB, Digi, Maxis and Jabatan Air Sabah.

We are continuously working to expand our list of supported billers. Please check the Bill Payment section in the Setel app for the latest available billers.

How do I pay my bills through Setel?

To pay your bills in the Setel app:

Open the Setel app
Go to Bill Payment in the Homepage tile section
Select the bill category and biller
Enter your account number and payment amount
Review the details and confirm payment
Complete the payment using your preferred payment method

What payment methods are supported for bill payment?

You can pay your bills on Setel using the following payment methods:

Setel Wallet
Credit Card
Debit Card

When will I receive my refund for a cancelled or rejected bill payment made by bank card?

For cancelled or rejected bill payments made using a bank card, the refund will be processed accordingly and may take up to 14 calendar days to be reflected in your bank account. The actual timing may vary depending on the respective bank.

Is there a transaction limit for bill payment?

Bill payment transactions are subject to your account’s single transaction limit.

How do I check the status of my bill payment?

To check your bill payment status:

Open the Setel app
Go to Pay > Payment History
Select the relevant bill payment transaction

The status will show whether your payment is Successful, Pending, Failed, or Refunded.

Why is my bill payment not reflected in my bill account?

Bill payments may take a few hours up to a few working days to be reflected in your biller account, depending on the biller’s processing time.
Please also note:

Only one payment to the same account number is allowed per day.
If multiple payments are made to the same account number within the same day, the additional payment(s) will be rejected.
In the event of a payment rejection, it will be automatically refunded to your Setel Wallet.

I paid to the wrong account number by accident. What should I do?

If you have made a payment to the wrong account number:

Please contact Setel Customer Service and provide your transaction history showing the incorrect payment, or
Contact the respective biller directly and provide the transaction history as proof of payment.

Please note that refunds are subject to biller policies and verification.

What happens if I have overpaid my bill?

If you have overpaid your bill (for example, your bill is RM45.50 but you pay RM46.00):

The extra amount (RM0.50) will usually be carried forward and deducted from your next bill, subject to the biller’s policy.

Important notes:

If incorrect details (such as an account number or phone number) are entered but the information corresponds to a valid account, the payment will be processed successfully, and you should contact Setel Customer Service or the respective biller with your transaction history as proof of payment.
If the entered account or phone number is invalid, the transaction will be cancelled automatically and the amount will be refunded to your Setel Wallet.

How do I find my account number?

Your account number can usually be found on:

Your physical or digital bill statement
The biller’s official app or website
SMS or email notifications sent by the biller

In the event if you are unsure of the account number for your bill, please contact the biller directly to confirm the correct account number before making any payment.

Can I earn Mesra points through bill payments?

Yes, you will be able to get 1 Mesra point per RM5 spent.

Why can’t I access the Bill Payment feature?

Please ensure that your Setel app is updated to version 1.196.1 or later to access the Bill Payment feature.

Scheduled payments

What is a scheduled payment?

Scheduled payments allow you to set up a bill payment in advance, so your bill can be paid automatically on your selected payment date. You can choose the biller, payment amount, payment method, and payment schedule based on your needs within the Setel app.

How do I set up a scheduled payment?

Go to Bills Payment in the Setel app.
Select biller and enter your account number.
Choose scheduled payment to proceed with set up.
Enter the payment amount.
Choose your payment frequency, start date and end date.
Select your preferred payment method.
Review your payment details and confirm the setup.
Complete the initial payment successfully to save and enable your scheduled payment.

Note: Your scheduled payment will only be saved and enabled after the initial payment is successfully completed. If the payment fails, the scheduled payment setup will not be saved or enabled. You will need to retry the payment and set up the scheduled payment again.

When will my scheduled payment be processed?

Your scheduled payment will be processed automatically on the scheduled payment date based on the frequency you selected.

Please ensure that your selected payment method is available and has sufficient funds when the payment is due.

What happens if my scheduled payment fails?

If your scheduled payment fails, the bill will not be paid for that cycle and you will be notified of the failed transaction. You can make the payment manually through Bills Payment.

Your scheduled payment settings will remain active, and the payment will be automatically processed again in the next scheduled cycle based on your existing settings.

How do I edit my scheduled payment?

You can edit your scheduled payment from the scheduled payment listing in the Setel app. For now, you can only edit the payment amount and payment method. Other details, such as payment frequency, start date, and end date, cannot be changed after the scheduled payment is set up.

Note: We aims to enhance this feature in future releases to allow users to edit more payment details, making it easier and more convenient to manage your scheduled payments.

How do I cancel or delete my scheduled payment?

You can cancel or delete your scheduled payment from the scheduled payment section in the Setel app. Once deleted, the payment will no longer be processed according to the scheduled plan.

Note: Deleting a scheduled payment will not affect any payments that have already been successfully completed.

What happens if my bill amount changes before the payment date?

Your scheduled payment will be processed based on the payment amount you set when setting up the schedule. If the amount due is different, the payment may not fully settle your bill.

We recommend checking your bill amount before the scheduled payment date and updating the payment amount if needed.

What happens if the biller is unavailable or under maintenance?

If the biller is temporarily unavailable due to maintenance, your scheduled payment will be temporarily disabled. You will receive a notification, and once the biller is available again, your scheduled payment will be automatically re-enabled and continue as usual.

If the biller is no longer available, your scheduled payment will be disabled, and no future payments will be processed. You will receive a notification informing you of this change.

Table of Contents

Bill payments

What bills can I pay through Setel?

Why can’t I find my biller on Setel?