Last Updated: 18 August 2026

1. Introduction

This Payment Policy explains how payments are handled when you submit an application through cowayhq.my, operated by Moo Chi Hau (SSM No: 202503182805) Authorized Coway Health Planner.

cowayhq.my is not the official website of Coway (Malaysia) Sdn. Bhd. (Company No.: 200601015668 (735420-H) (AJL931694)). cowayhq.my does not process payments directly. All payments, billing, auto-debit setup, and financial verification are handled exclusively by Coway Malaysia.

2. Payment Processing

All payments for Coway products and services are processed solely by Coway Malaysia. This includes:

  • rental plan monthly fees;
  • outright purchase payments;
  • installation fees (if applicable);
  • Rental Processing Fee (RPF), for rental plans;
  • auto-debit setup; and
  • credit card or bank account verification.

We do not collect or store any payment information.

3. Accepted Payment Methods

Coway Malaysia’s official Sales Order Form provides for the following payment methods:

3.1 Rental Plans

  • Auto/Direct Debit — primarily via credit or debit card, as set out in Coway’s Credit Card/Debit Card Auto Debit Authorisation; bank/savings account deduction is available only under a separate Third-Party Payee arrangement with a Direct Debit Form.
  • E-Portal.
  • Advance rental payment (1 or 2 years), subject to prevailing promotions.
  • Regular payment (Company accounts only).

3.2 Outright Purchases / Instalment

  • Cash.
  • Cheque.
  • Credit/Debit Card.

The exact payment methods available to you will be confirmed by Coway Malaysia at the time of your application.

3.3 What cowayhq.my Does Not Accept

cowayhq.my does not accept payments through:

  • cash;
  • bank transfer to personal accounts;
  • e-wallets;
  • QR code payments;
  • third-party payment platforms; or
  • WhatsApp or messaging apps.

All payments must be made directly to Coway Malaysia through its own official channels.

4. Payment Verification

Payment verification is performed only through Coway Malaysia’s official systems. This includes:

  • auto-debit authorization;
  • credit card verification;
  • bank account verification;
  • Rental Processing Fee confirmation; and
  • payment receipt issuance.

We cannot verify payments or confirm billing status.

5. Security of Payment Information

cowayhq.my does not collect, store, or process any sensitive payment information. We do not store:

  • credit card numbers;
  • bank account numbers;
  • CVV codes;
  • payment authorization forms;
  • billing documents; or
  • payment receipts.

All sensitive financial data is submitted directly to Coway Malaysia through its own secure channels.

6. Payment Confirmation

After payment is processed, Coway Malaysia will issue:

  • official payment receipts;
  • auto-debit confirmation;
  • contract activation notice; and
  • installation scheduling updates.

cowayhq.my does not issue receipts or payment confirmations.

7. Failed or Rejected Payments

If a payment fails or is rejected:

  • Coway Malaysia will notify you directly;
  • you may be required to update your payment method;
  • installation may be delayed until payment is verified; and
  • contract activation may be postponed.

We cannot resolve payment failures or update billing information.

8. Changes to Payment Method

Any changes to your payment method must be made through Coway Malaysia. This includes:

  • updating credit card details;
  • changing bank account information;
  • switching payment methods; and
  • re-authorizing auto-debit.

cowayhq.my cannot modify or update payment details.

9. Refunds

Refunds are handled exclusively by Coway Malaysia according to its official policies. Please refer to our Refund & Return Policy for full details.

10. Contact Information

10.1 General Enquiries

10.2 Official Payment, Billing, or Refund Matters