Customer Buys RM13 Fever Medicine But ‘Accidentally’ Pays RM1,300, Clinic Suspects BNPL Cash-Out Attempt | WeirdKaya

A Malaysian doctor has shared a suspicious encounter involving a customer who bought just RM13 worth of fever medicine, but allegedly paid RM1,300 using a Buy Now, Pay Later (BNPL) service.

According to mStar , the customer visited the clinic at around 5am and paid via QR using a BNPL facility.

Asked clinic to refund money into personal bank account

After making the RM1,300 payment, the customer allegedly claimed it was a mistake and asked the clinic to refund the excess amount.

However, instead of requesting the refund through the original BNPL channel, he allegedly asked for the money to be transferred directly into his personal bank account.

That raised red flags for the doctor, as it could potentially allow the customer to convert his BNPL credit limit into cash. The clinic refused to do so.

RM1,287 refunded back to original BNPL account

The doctor then contacted the relevant service provider to clarify how the refund should be handled.

According to mStar, the platform later advised that the remaining RM1,287 , after deducting the RM13 medicine cost, should be refunded directly to the customer’s original BNPL account instead.

The bank subsequently verified the transaction and allowed the refund to be returned through the proper channel.

Doctor says this is not the first time

The doctor said he had encountered similar attempts before, where customers allegedly tried to turn credit from BNPL services or credit cards into cash through merchant transactions.

He said he would not cooperate with such requests.

The case has since sparked discussion over whether some users are exploiting BNPL facilities as an unofficial way of obtaining cash rather than using them strictly for purchases.

For now, the incident appears to be based on the doctor’s account, and there is no indication that authorities have formally classified it as fraud.