Overview
PayPing MY offers unlimited notifications for Premium subscribers (RM 6.99/month) with a Fair Usage Policy to ensure quality service for all users while maintaining cost-effective operations.
💡 Why Fair Usage? Notification infrastructure has real costs (FCM, AWS, servers). Fair usage ensures we can keep the app running sustainably while offering unlimited notifications at an affordable price.
Bottom Line: Use Premium for unlimited personal/small business banking notifications. We won't bother you unless usage suggests bots or abuse. Our goal is to provide excellent service at an affordable price while preventing misuse.
Usage Limits
📱 Receiving Notifications: FREE FOREVER & UNLIMITED
Receive and view all your banking notifications on your device with no limits.
Forwarding Limits (multi-device sync):
- Free Tier: 300 forwarded notifications/month (hard limit)
- Premium Tier: Unlimited forwarded notifications/month with Fair Usage Policy
- Fair Usage Guideline: 30,000 forwarded notifications/month
- Usage above 30k/month may trigger review for potential abuse
What is Fair Usage?
The Fair Usage Policy ensures that all Premium users can enjoy unlimited notifications while preventing abuse, automation, or commercial misuse that could impact service quality and costs.
✅ Acceptable Usage Examples
- ✓ 100-500 notifications/day from legitimate banking apps = 3,000-15,000/month
- ✓ Multiple family members sharing notifications = Up to 25,000/month
- ✓ Small business with high transaction volume = Up to 30,000/month
- ✓ Personal banking notifications from multiple accounts
- ✓ Family/household shared notifications across devices
- ✓ Small business transaction monitoring (legitimate use)
- ✓ Multiple e-wallets and bank accounts consolidated
- ✓ High transaction volume during business operations
❌ Prohibited Usage
- ✗ Automated bots or scripts generating fake notifications
- ✗ Commercial reselling of notification forwarding service
- ✗ Deliberate abuse or stress testing of infrastructure
- ✗ Using the app for non-financial notification forwarding at scale
- ✗ Any usage that suggests automation rather than legitimate banking activity
Sustainability & Infrastructure
Our Fair Usage Policy exists to ensure long-term sustainability:
Why Fair Usage Matters
- Infrastructure Costs: Every notification uses FCM, AWS Lambda, and database resources
- Sustainable Service: Fair usage prevents abuse while keeping subscription prices affordable
- Quality for All: Prevents individual users from degrading service for everyone
- 30k Guideline: Chosen to accommodate legitimate high-volume users while preventing abuse
The 30,000/month guideline provides comfortable headroom for legitimate business use while ensuring we can continue offering unlimited notifications at an affordable price for everyone.
Enforcement
Monitoring
We monitor usage patterns to detect:
- Unusually high notification volumes (>30k/month)
- Suspicious automation patterns
- Non-financial app notification forwarding
- Bot-like behavior or API abuse
Enforcement Levels
📧 First Contact (30k-40k/month)
- Email notification about usage
- Request for usage explanation
- Opportunity to clarify legitimate business use
- No service interruption
🔍 Review Required (40k-50k/month)
- Temporary account review
- Request for business justification
- May require verification of legitimate use case
- Service continues during review
⚠️ Suspension (>50k/month or confirmed abuse)
- Account suspension pending investigation
- Refund of current month's subscription (pro-rated)
- Opportunity to appeal with documentation
- Permanent ban for confirmed bot/automation abuse
Appeal Process
Users may appeal any enforcement action by:
- Contacting support with usage documentation
- Providing proof of legitimate business use (e.g., business registration, high-volume transaction proof)
- Demonstrating genuine banking notification sources
- Explaining unusual but legitimate usage patterns
Legitimate High-Volume Use Cases
We welcome legitimate high-volume users and will work with you:
Small Business Owners
- High daily transaction volume from QR payments
- Multiple business bank accounts
- Legitimate business need for real-time notifications
- Action: Contact us for business verification and continued service
Enterprise/Commercial Use
- If you need higher limits for commercial purposes
- Contact us for custom enterprise pricing
- We can accommodate legitimate business needs
Family Plans
- Large families with multiple devices
- Shared household finances with many accounts
- Note: Typical family usage (even large families) stays well within 30k/month
Transparency Commitment
We commit to:
- No surprise suspensions - We'll always contact you first if usage seems unusual
- Clear communication - We'll explain our concerns and listen to your explanation
- Reasonable enforcement - We distinguish between legitimate high usage and abuse
- Cost transparency - Our guidelines are based on actual infrastructure costs, not arbitrary limits
Updates to This Policy
We may update this Fair Usage Policy as:
- Infrastructure costs change
- Usage patterns evolve
- New abuse vectors emerge
Users will be notified of material changes via email and in-app notifications.
Contact
Questions about the Fair Usage Policy?
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Last Review: November 2025 • Next Review: Quarterly (or as needed)