Parent Webinar - Malaysia’s leading school cashless &

VIRCLE CASHLESS SOLUTION family finance application

Version: 2023-09-23
The idea behind Vircle

Parental Oversight Payments

Teach Children to Save Regularly

Earn through Missions & Chores

South East Asia’s 1st central bank regulated Parental

control payments & nurturing platform for children
A unified way to manage school payments & pocket money
A tried & tested cashless experience in schools

• Cash Allowance - Tap & Pay – pocket money

• Parents transfer allowance with specific spending rules & limits
• Kids tap card to spend allowance & Parents receive instant notification.
• Parents receive real-time alerts when children spend, with purchase details

• Prepaid Meal Plans – meal order, delivery or pick up

• Order, Pay and Make Daily Selection from within the App
• Get notified when plans are live
• Get alerts when meals plans are up or when closing.

• School Market place & payments

• Purchase direct from school eStores
• Merchandize, Cards etc
• Books, uniform, CCA/ECA, School trips, fees etc (later phase)

• Not just at your child’s school

• Use School card to spend at any Vircle School
• Optionally issue child with Malaysia’s 1st child safe Visa Prepaid card for outside school &
online spend management.
Safety & Security – What you need to know
Vircle is a regulated financial service built for families with children
and comes with unique parental controls.

• 1st Parental control platform in Malaysia approved under the

Financial Services Act 2013 (E-MONEY) laws. Vendor agnostic.

• NO money resides on your card, card links to Parent eWallet!

• All eWallet balances sit in a “trustee account”.

• Wallet REFUNDS anytime one wants to close an account

• Same BANK Grade security processes as mainstream wallets

• Deployed by over 55+ private & international schools since

March 2021.
Getting onboard !
• You should have received email with school connect code / QR
for each child

• If you do not find in your inbox, please check the Junk mail or
Spam mail

• If you still cant find the email, please reach out to Vircle via Unique QR code
OR
whatsapp to +6011-11176000 School Connect invite code

• You may visit the website www.Vircle.com/vircleschool to 16 digits e-Invite code

guide you how to On-board your child. example:
1002-0322-0063-9500

Important：
Please read and find the child name in the email, please do not mix up the QR code.
This is because the student card has been set with the assigned QR.
Wrong invite code issue – Sri Murni

• We are working with school to update the data and send out
correction emails

• If your child has received her/his card, please use the QR code
or 16 digit code behind the card to onboard (under the qr
code) 1002-0322-0063-9500

• If you have accidentally used the wrong invite code to onboard

your child, please reach out to Vircle via whatsapp chat at
+6011-11176000
Simple onboard process

1. Download App & Register for a Parent Account

2. Add child to register child & connect to school

3. Top Up Parent eWallet

4. Transfer money to child account (give allowances)

5. Track spending & continue to give allowances

6. Make in app payments and purchase for children

 Step 1: Download App &
Register for an App user Account
Get Started

Iphone 8 Plus & Above

Android 8.1 & Above

Step 1: Decide which Parent will Manage the App. Download the Vircle Application from Apple App Store or
Google Play Store or Huawei App Gallery.
Powering up your app for the 1st time

Step 2 Step 3 Step 4 Step 5

Open the Vircle App Press “Allow” Vircle to Press “Proceed” Select “While using the app” Vircle
access photo and to take pictures and record video
media on your device
Powering up your app for the 1st time

Step 6 Step 7 Step 8 Step 9

Press “Proceed” Select “While using the app” to Select “ Sign Up Here” Select “I’m an Adult”
allow Vircle to access the for the first time
devices location
Account registration – Step 1 : Create Logins

Step 10 Step 11 Step 13

Select Preferred Language Step 12
Please key in your details Check SMS and enter
Check the email & mobile key
to register for a Vircle One-Time Pin (OTP)
in is correct and press
Account.
Confirm
Account Registration Step 2 & 3 : Activate principal eWallet

Step 14
Step 15 Step 17
Activate Parent Step 16 Congratulations!
Key in your details that Set Up Transaction Pin
E- Wallet Press “Setup Now” Parent’s E-Wallet is
required by BNM (6 Digits of your choice) now created.
View Dashboard
• Parent Wallet is Total funds in your eWallet (Principal account holder).
• Allocated to Family is the Total funds allocated to children or member/s
registered under your account.
• Available Balance is the Available funds to be allocated in future or used to
make in app purchased (meals, payments)
• Top Up allows you to Top Up Parent eWallet
• History gives you records of all transactions
• Add Child allows you to add a child or dependant as a supplementary
account user
• Help button, if you have any issue with the Vircle App, you can contact
Vircle by using this Help Button.
• Upgrade Wallet, allows you to upgrade the eWallet to Premium to increase
the monthly spending limit up to RM10,000.00
Step 2: Add your child to your account
and connect to school
Add a Child

1. Select “Add Child” 2. Key in Child’s 3. Select “Connect to

4. Select one of the
information, press my child’s school”
method Scan QR or key
“Next”
in 16 digits E-Invite Code
 Add a Child

5. Enter the 16 digits e- Congratulations! All children you have

Invite code from your 6. Press “Continue” Your child is added to added will be visible
email your account successfully on your dashboard
Step 3: Top Up Parent eWallet
Topping up Parent e-Wallet
Online banking

Bind card (Credit/Debit)

Step 1: Tap the Top-Up Icon Step 2: Choose your Step 3: Key in the payment Congratulations!
preferred payment method details or bind a card Your Top Up is successful
and top up amount
eWallet Limits
• Your Basic account setup gives you ;
• eWallet size of RM 4,999
• Monthly family spend limit of RM 4,999
• Sufficient for all in-school spending

• Monthly eWallet top up limits

• Credit/Debit Cards : MYR 1,000 per month
• FPX/Online Banking : RM 4,999

• OPTIONAL : Upgrade to Premium

• Wallet Size of RM 10,000
• Annual Spending Limit of RM 120,000

• NOTE :
• FPX Online Banking Top Up Charges : NIL
• Credit/Debit Card Top up Charges : Waived until further
notice.
Step 4: Transfer Money to card
(allocate money from eWallet into child card)
Transfer Money from Principal eWallet to child
- Set Spend Anywhere

Step 1: Step 2a: Step 3a:

Select the child and Key in the amount you Double check the setting
press “Transfer” want to give and press and press “Transfer Now”
“Transfer Now”
 Option for daily budgets – Set Daily Limits

• Daily Limit – Limited how much can be spent

on card per day, within the active month.

Step 2b:
Step 3b :
Select Daily Limit – Amount –
Confirm the setting and press
Press the recurring date – press
Transfer Now
Transfer Now
Transfer Money – Enter Pin to confirm

View Given
Allowances

Step 4: Congratulations!
Key in your User Pin Money transferred to
child
Use Auto transfers to pre-fund your child’s card
** Principal eWallet must be pre-loaded with sufficient funds

Step 3a:
Step 3b:
Step 2: Enable Auto transfers & select rule,
Step 1: or On Low Balance, select the
Tap on Set Up Now Scheduled (Weekly or Monthly), press Save
From Child’s Account amount & press Save to
to activate
Page, tap “Cash activate
Allowance”
*Money is reload from parent eWallet – Available Balance， NOT direct from bank
Card Spending History

Step 5: Step 6:
Press “Cash Transfer” - Under “Cash Transfer” -
Tab “Active” showing Tab “Inactive” showing all
Step 1: Step 2: Active Allowance that the inactive allowance
Tap on “Spend History” “Transaction” tabs gives you
can be use for tap & pay (Stop or fully used or
past 90 days spending history
Expired)
Stop Allowance

Step 1: Step 2: Step 3: Step 4: Step 6:

From main dashboard, Press the small Arrow Press “Stop Allowance” Press “Confirm” Stop allowance is successful
press your card profile and the money transfer back
to parent eWallet as Available
Balance
 Step 5: Prepaid Meal Plan
(Bi-Weekly Flexi Meal Plan)
Prepaid Meal Plans – Bi-Weekly Flexi Meal Plan

Bi-Weekly FLEXI Meal Plan

• Buy what you need for days you need meals

• Mix and match (eg Breakfast only on Monday,
Breakfast and Lunch on Tuesday)
• Place your order before/on the last order date
• Meal plan closes Thursday 5PM the week before the
start of the meal plan.

If you have enquiries or issues on meal plan or made an

order mistake, please contact canteen operator to
resolve it.

Select Child Press the icon

“Meal Plan”
Bi-Weekly Flexi Meal Plan – Browse Full week

You may browse and view all meal offerings,

Store terms and any attachment provided by store
Through the View Full Menu option.

Select Meal Plan Tap View Full Menu Press the Week to view the menu
of the week; press the Day to view
the menu of the day
Meal Plans – Purchasing a weekly plan

Select Daily Tap + to pull options Select desired meals Add more meals or All Good? If yes, tap
remove selections, tap confirm order to make
Review order when payment
done
Making payments

Check total amount to be pay Key in your 6 digit PIN

Your Meal Plan is ordered successfully.
and eWallet balance is sufficient
then press “Purchase” The purchased Meal Plan is now show on
your child Dashboard
Introduction of eStore
Introduction of eStore

Step 1 Step 2 Step 3 Step 4

Press the child photo that Select “School e-Store” Select the store Select the Year and Class,
you want to purchase item then press Next
Discovery, selection & review

Step 5 Step 6 Step 7 Step 8

Select the category you Select the item you want to View the item photo, Product Select the item
want to purchase purchase Info and press the “Select One”
for the product variant
Introduction of eStore

Step 9 Step 10 Step 11 Step 12

Adjust the Quantity and Press “Check Out” If the merchant has the Delivery Key in additional notes and
press “Add to Cart” Options please select your press “Purchase Now”
preferred option. By default, the
item is pickup at school
Introduction of eStore – Payment by Vircle eWallet

Step 13 Step 14 Step 15

Select the payment method Key in the User Pin to Payment Success and press The item you purchased is
and press “Pay Now” complete the purchase “Close” display at child dashboard
Introduction of eStore – Payment by Vircle Pay Direct
* Vircle Pay Direct FPX & Card are only available to certain stores and transaction types only.

Select the payment method Key in the required Payment Success and press The item you purchased is
and press “Pay Now” information and press “Close” display at child dashboard
“Proceed”
View your eStore order history and details

Select School eStore Select Order History Press “Active” or “Completed” View order details and “Close”
orders, select the order you want to
view
Pin2Pay
Pin2Pay for Parent – Use Vircle without any payment card

Step 1 Step 2 Step 3 Step 4

Press any one of the child profile Select “Pin2Pay” Press “Tap for PIN” to Key in the your own user PIN
having allowance generate payment PIN
Pin2Pay - Use Vircle without any payment card

Present the Pin2Pay code to cashier and request them to pay

with pin. Pin2Pay allows to use your allowance without card.

The 6 digit code will expires in 1 minutes

Additional services
Enable Child App Logins for your children

Step 1: Step 2: Step 3: Step 4: Step 5:

Select the child profile on Press “Setting” Select Enable App login Select Enable App login Enter Child details &
your main dashboard Enable
(mobile number and email
must be unique to child)
If your child has lost the school card

Step 1: Step 2: Step 4:

Select child profile on main
dashboard
Step 3:
Tap on Manage Card Swipe the button to left to Freeze the
Select “Blue Card”
Card, remember to ON back once get
back the card or new replacement card
Moving schools within Vircle?

Step 2: Step 3: Step 4:

Step 1:
Tap on Manage Card Select “Blue Card” Press “Unlink”
Select child profile on
main dashboard
Moving schools within Vircle?

Step 5:
Press “Confirm” to Unlink from previous school.

Step 6:
Press the child profile on the main dashboard, select “Connect to my
child’s school” – select “School Provided QR Code” and scan new school
QR code to connect to new school.
Who to contact?
If you have technical issue while using Vircle App, please reach out to Vircle
Whatsapp us @ +6011-1117 6000 (9AM to 5PM – Mon-Fri)
Email: support@vircle.com

Or visit
FAQ’s : www.Vircle.com/help
Website: www.vircle.com

If you have any queries about School Payment / Canteen / Bookstore / Uniform Store,
please contact the merchant.
The Circle That Matters.

Debit Circles Sdn. Bhd (1307991X)

Unit 1901, Vertical Business Suite Tower A,
Jalan Kerinchi, Bangsar South, 59200 Kuala Lumpur,
Wilayah Persekutuan, Malaysia.
+6 011-1117 6000
info@vircle.com