Payments

Pay by Wise or Western Union (Manual Transfer)

We currently accept manual transfers via Wise and Western Union. Place your order, choose Wise / Western Union (Manual Transfer), and we’ll reserve it and ship once funds are confirmed. These methods keep prices fair and let you pay the exact MYR amount we must receive.

Lower fees Better FX rates Transparent MYR “Recipient gets”

Status: Orders paid via Wise / Western Union are placed On Hold until funds are verified.

Why only Wise & Western Union (for now)

✓
Customer-driven pricing: long-time customers asked us to lower purchase prices—dropping high-fee processors helps us do that.
✓
Lower transaction fees: savings go directly into lower overall product prices.
✓
High currency exchange rates: typically better MYR rates than traditional card networks.
✓
Full transparency: you can set “Recipient gets = MYR [order total]” and see exactly what we receive.
✓
Direct MYR acceptance: pay the exact MYR amount—no excess payment and no shortfalls.

We may add more instant options later—these two keep prices fair today while ensuring accurate MYR settlement.

Is the extra step worth it? YES — here’s the math

If you’re a regular buyer, the manual transfer “hustle” pays off. You typically save about USD $3–$4 per box versus paying through higher-fee gateways or marketplaces. That’s real money back in your pocket—every order.

Lower fees → lower product prices

Better FX → more MYR received

Every order: set Recipient gets = exact MYR total so there’s no shortfall.
We avoid platform cuts, so we pass savings into pricing and bundles.
Best for repeat customers and multi-box orders.

Boxes per order	You save (USD)
1 box	$3 – $4
3 boxes	$9 – $12
6 boxes	$18 – $24
12 boxes	$36 – $48

Example: 2 boxes/month ⇒ $72–$96/year in savings (24 boxes × $3–$4).

Figures are estimates; actual savings depend on your bank/card fees and the day’s FX rate. The key is that manual transfer keeps fees on the sender side and ensures we receive the full MYR amount—so we can keep prices fair.

Pay with Wise Pay with Western Union

Important: Amount We Must Receive (MYR)

Please follow these steps so we receive the exact MYR total with no deductions.

Please make sure the Recipient gets: MYR [exact order total] (no deductions).

✓
All transfer fees, currency conversion, and intermediary charges are paid by the sender.
✓
In your transfer app, choose Recipient gets or Include fees on sender.
✓
Transfer reference: Order #12345 + Your full name (use your actual order number).

We dispatch once the full MYR amount is received and verified.

How to Pay with Wise (Step-by-Step)

Fast bank transfer with transparent fees. We must receive the full MYR amount shown at checkout.

New to Wise? Create your account here and connect your bank for the lowest fees.

Wise Step 1 - Tap Send — From the Wise home screen, tap **Send**.

Wise Step 2 - Choose Malaysia — Choose **Malaysia** so the recipient receives **MYR**.

Wise Step 3 - Recipient gets MYR — In the amount screen, switch to **Recipient gets** and key in the **exact MYR order total** from your confirmation.
Reference: type Order #12345 + your full name.

Wise Step 4 - Add recipient by bank details — Tap **Add a recipient** and choose **Bank details**.

Wise Step 5 - Business or charity — Select **Business or Charity** as the recipient type.

Wise Step 6 - Bank details form — Fill the form exactly as below (or follow the screenshot):

**Name of business / organisation:** Cahaya Desy Enterprise

**Bank name (BIC/SWIFT):** Maybank Islamic Berhad (MBISMYKL)

**Account number:** 562786072588

**Country:** Malaysia | **City:** Shah Alam

**Address:** 110, Jalan Sungai Merbau 32/84, Kemuning Greenville

**Postcode:** 40460 | **Email (optional):** cahayadesy@gmail.com

Wise Step 7 - Pay for goods and services — Select the reason as **Pay for goods and services**.

Wise Step 8 - Review details — Confirm **Recipient gets (MYR)** equals your **order total** and the bank details are correct. Continue to payment.

Wise Step 9 - Connect bank and pay — If not already connected, link your bank (ACH / your local option) and complete the payment.

Wise Step 10 - Transfer details receipt — Open your **Transaction details**, take a screenshot, and email it to support@bioherbsinstantcoffee.com for faster processing.

Important: Select the option where the Recipient gets MYR equal to your order total. All transfer and conversion fees must be paid by the sender. We ship once the full MYR amount is received and verified.

Pay with Western Union — Bank Transfer to MYR

Follow these simple steps to send your payment directly to our Malaysian bank account via Western Union. Make sure the Receiver gets the exact MYR total from your order confirmation.

Important: Set the transfer so the Recipient gets MYR (your exact order total). All transfer fees and exchange costs must be paid by the sender. In Western Union, choose options that ensure fees are on the sender and confirm “Total to receiver” equals your order total in MYR.

Reference/Message: Order #12345 + Your full name (replace with your real order number).

1

Create or sign in to your Western Union account

Register or log in at Western Union before starting your transfer.
Create your Western Union account
2

Choose destination & set the amount in MYR

Set Country: Malaysia. In Receive amount, type your order’s MYR total so fees are added on top (sender pays).
3

Payout method: Bank account

Select Bank account so we receive your payment directly to our bank in MYR.
4

Payment method (sender)

Choose a funding method (e.g., Debit Card or Bank account). Follow any verification prompts if asked.
5

Check the exchange & “Total to receiver”

Confirm the Total to receiver equals your invoice total in MYR. If it’s short, increase your send amount until the receiver gets the exact total.
6

Add receiver & bank details
Click Add a new receiver and enter the bank details exactly as shown on our Payment page / order confirmation (name, bank, account number, email and phone). Choose:
- Purpose of transaction: Goods & Service payment
- Relationship to receiver: Trade/Business Partner
7

Enter your card/billing details (if paying by card)

Ensure the cardholder name and billing address match your bank’s records to avoid declines.
8

Review & confirm transfer

Double-check receiver info, Total to final receiver (MYR), and your reference (Order # + Full name). Click Continue.
9

3-D Secure / bank authentication

Approve your bank’s verification prompt (e.g., SecureTAC, OTP, or 3-D Secure). If it times out, request a new code and try again.
10

Receipt & proof of payment

Once the transfer is completed, download or screenshot your receipt/transfer confirmation. Email it to support@bioherbsinstantcoffee.com (or reply to your order email) with your Order #. We’ll verify the incoming funds and dispatch as soon as the full MYR amount is received.

Cut-off, Refunds & Compliance

Cut-off times & dispatch

Cut-off: 3:00 PM (MYT)

Payments confirmed before 3:00 PM (MYT) ship the same/next business day.

Payments confirmed after cut-off ship on the next business day.

Refunds & cancellations (manual transfers)

Orders auto-cancel after 48 hours if payment is not received.
Refunds are sent via the same payment method, net of any transfer fees charged by the provider.
For Western Union, the sender may incur additional pickup/return fees — these are outside our control.

Tip: choose options where sender pays fees so our account receives the full MYR order total.

Compliance & safety

We may verify sender/receiver details and request ID where required by AML/KYC rules.
We do not accept transfers from sanctioned jurisdictions.
Your personal data is handled per our Privacy Policy.

Your order is processed only after funds are received and compliance checks are cleared.

FAQ — Pay by Wise or Western Union (Manual Transfer)

This page answers the most common questions about paying your order by Wise or Western Union. These are manual transfers — your order is placed on Hold until we confirm funds.

Important Always set your transfer so that the Recipient gets: MYR (exact order total). All fees must be paid by the sender. Use the option in your app such as “Recipient gets”, “Include fees on sender”, or equivalent.

What is manual transfer? Why only Wise / Western Union? Which currency do I send? How do I pay? What reference to use? How do I confirm payment? Cut-off & dispatch Who pays fees? Limits & timing What if the amount is short/extra? Refunds & cancellations Compliance & safety Need help?

What does “manual transfer” mean? ?

You send the payment yourself using Wise or Western Union. After sending, you share your transfer proof with us. Once we receive and verify the funds in MYR, we mark your order as Paid and ship.

Why do you accept only Wise and Western Union? 💡

Lower transfer fees than cards or traditional cross-border wires.
High FX rates (better exchange to MYR).
Clear option to set “Recipient gets” so we receive the exact MYR total.
Direct bank deposit, no hidden platform charges — lets us keep prices lower for customers.

These methods were requested by many long-time customers to reduce their overall purchase cost.

Which currency should I send? 💱

You may fund the transfer in your local currency (USD, EUR, GBP, etc.). Set the recipient currency to MYR and ensure the field Recipient gets = your order total (MYR). Adjust the amount you send until that value matches.

How do I pay with Wise or Western Union? 🧭

1) Register (if new):

Wise: Create Wise account
Western Union: Create Western Union account

2) Follow our visual guides:

Wise – Step-by-step guide
Western Union – Step-by-step guide

For security, we show the exact recipient name/account on your Order Confirmation page and email. Always match those details before sending.

What should I write in the payment reference? #

Use Order #[your order number] – Your full name. Example: Order #12345 – John Smith.

How do I confirm that I’ve paid? ✅

Email your transfer receipt/screenshot to support@bioherbsinstantcoffee.com and WhatsApp/Telegram +601121944419 with:

Order number
Transfer reference/ID
Exact MYR received shown by the app

We will verify in our bank and update your order status.

When will my order be dispatched? 🚚

Payments confirmed before 3:00 PM (MYT) ship the same or next business day. Payments after cut-off ship the next business day.

Who pays the transfer fees? 💸

The sender pays all fees. Please choose the option that ensures the Recipient gets the full MYR order total. If fees are deducted, we’ll request a top-up before dispatch.

Are there limits and how long does it take? ⏱

Wise: Usually instant to a Malaysian bank once verified. Limits vary by your country/verification.
Western Union: Choose Bank account deposit (not cash pickup). Typically minutes–1 business day depending on card/bank checks.

What if the received MYR is short or I overpaid? ⚖️

Short payment: We’ll email the difference required; once topped-up, we dispatch.
Overpayment: We can issue a store credit or refund the excess via the same method, net of provider fees.

Refunds, cancellations & expired payments ↩️

Orders auto-cancel after 48 hours if payment isn’t received.
Refunds (when applicable) are returned via the same method used, net of transfer fees charged by the provider.
For Western Union, extra pickup/return fees may apply on the sender side; this is outside our control.

Is it safe? What compliance checks do you do? 🛡️

We verify sender/receiver details and may request ID when required by AML/KYC rules.
We do not accept transfers from sanctioned jurisdictions.
Your personal data is handled per our Privacy Policy.

Can I switch to Wise/WU after placing an order with another method? 🔁

Yes — contact us. We can cancel the unpaid order and issue a new one with manual transfer instructions.

Do you support cash pickup Western Union? 🏦

No. For traceability and faster reconciliation we accept bank account deposit only (Western Union → Bank Account in Malaysia).

Need help or custom assistance? 🤝

Message us and we’ll walk you through the steps:

Email: support@bioherbsinstantcoffee.com
WhatsApp/Telegram: +601121944419

Wise – Step-by-step Guide

See the visual walkthrough on this page above or in our Wise guide section. Make sure the field Recipient gets equals your MYR order total and include Order # + full name in the reference.

Open Wise

Western Union – Step-by-step Guide

Choose Bank account delivery to Malaysia (no cash pickup). Enter the recipient details exactly as shown on your Order Confirmation.

Open Western Union