O2O QR PANPAY HOLDINGS SDN. BHD.(PANPAY HOLDINGS SDN. BHD)

LicensedDSAM Member

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57/ 100 — Moderate

AI Safety Score (higher = safer)

76 – 100Low Risk

51 – 75Moderate

26 – 50High Risk

0 – 25Very High Risk

Score across 5 dimensions, each max 20 pts

Is O2O QR PANPAY HOLDINGS SDN. BHD.(PANPAY HOLDINGS SDN. BHD) a scam?

O2O QR PANPAY HOLDINGS SDN. BHD.(PANPAY HOLDINGS SDN. BHD) is licensed by KPDN, with a moderate safety score

O2O QR PANPAY HOLDINGS SDN. BHD.(PANPAY HOLDINGS SDN. BHD) holds a valid KPDN direct-selling licence (AJL932356), so it is a legally registered business, not an illegal scheme. CheckMLM's AI safety score of 57/100 places it at moderate risk. As with any MLM, joining carries financial risk — review the risk factors and compensation plan before paying.

Website

PT 12893, JALAN BBN 1/70, PUTRA INDAH PUTRA NILAI 71800 NILAI NEGERI SEMBILAN

Malaysia

KPDN License

License No: AJL932356

SSM Reg. No: 1356622-M

Licensed Since: 02/09/2025

Expiry: 01/09/2027

Last Checked: 01/10/2026

About this company

Its DSAM profile describes it as an online distribution platform through which members sell wellness and fintech products under a hybrid marketing plan.source

Origin:: Malaysian company (Putra Nilai, Negeri Sembilan)source

Claims on the company's own materials

Quoted as published; CheckMLM has not verified them. Check a health product's registration with NPRA and ask a doctor before relying on a health claim. Treat income claims as a best case, not a typical result.

“Complex marketing based on the Hybrid Marketing Plan with a pay-out of up to 50%” (compensation plan)source
“your investment is evenly diversified into several shares with leading traders” (joining package)source
“gives the opportunity to more marketers gaining multiple income” (joining package)source

Warnings and news

No regulator action found. Not on Bank Negara Malaysia's Financial Consumer Alert List or the Securities Commission's Investor Alert List (checked 29 Sept 2026).

Researched by CheckMLM on 29 Sept 2026 from the linked sources. Spotted something out of date? Tell us.

Risk Factors

Each dimension scored 0–20 (higher = safer). A dimension with no information is scored neutral (10).

AI-generated assessment for educational purposes only. Not an official rating.

The company holds an active KPDN direct-selling licence (AJL932356, valid to 2027-09-01), is a DSAM member, and lists an SSM number and an official website, which are strong transparency signals. No regulator action was found, and it is not on the Bank Negara or Securities Commission alert lists. Its own materials make income claims ("Complex marketing based on the Hybrid Marketing Plan with a pay-out of up to 50%" and "gives the opportunity to more marketers gaining multiple income") and an investment-style claim ("your investment is evenly diversified into several shares with leading traders"), which lowered the Compensation Plan and Product Legitimacy scores. Information on pricing and joining costs is limited, and there are no verified community reports, so Pricing was scored neutrally.

Pricing Transparency10/20

Compensation Plan7/20

Product Legitimacy8/20

Company Transparency19/20

Reputation13/20

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