How To Guide
Step by Step User Guide
Account Registration
Once you have sucessfully downloaded the Vircle application and powered it on, you will be prompted either to LOGIN or to SIGN UP. If you have already registered before, proceed to LOGIN, else click on SIGN UP.
Phone number :
Password :
Password confirmation
Vircle Home Dashboard and Vircle Groups.
The Vircle Dashboard is the 1st thing you see once you have sucessfully logged into the Vircle Application and reached your Vircle Home screen. On the top of the application you have a Vircle Summary. It gives you 3 types of information:
In the screen centre is big Doughnut chart which gives you a summary of all "V GIVE" or spend approvals you have given;

Adding and managing a V Friend (child)?
Each V friend (child) in Vircle must be provided with a unique QR code by Vircle, either through an invitation brochure or Vircle QR card. To add a friend, you may do so through 2 methods.
On selecting add-friend, you will be prompted on how you would like to add a friend. Vircle support both QR scanning and invite codes.

Vircle does not allow anyone to arbitrarily add a friend (A child). You must have an invite from your Child’s school with a Valid QR card or invite brochure with a unique QR code for your child. You must only use this unique QR code to onboard your child as in some schools, this code is automatically mapped to your child’s student card.
Once you scan the QR code, you will be taken through a friend registration process. Take note, as Vircle enables a child to consume from a Parent Wallet, its imperative for legal reasons for us to have a valid identity of the child being linked to a parent account.

*In some school circles, health input such as allergy and notes will not be present in registration process but within the health and wellbeing service.
You will be required to provide the following data when adding Vircle Friends into your trusted friend list.
One you have registered your child’s identity to the QR card, you will be prompted to provide some basic information about your child’s allergies and notes to merchants. Parents with children that have allergies can select the allergy details here and such information will be presented to the merchant when transacting.
Notes section are for parents to place additional notes that merchant can read. These are advisory notes which help merchants understand your child better when serving them. For example, If your child is unable to speak or has hearing or vision difficulties, you may add these into he notes section and this will help the Vircle merchants understand your child better. Take note though, depending on the school your child belong too, allergy and health details may not be collected at the registration process but can be dated via the health and well being service.

Giving a Spend approval to a dependant
There are several types of V GIVE approvals you can give your V Friends. The type of approvals depends on what has been agreed by the store owners of your Circle or School. Typically we currently support 3 types of V Give approvals;
Once you have determined the type & store, you will be required to decide on the frequency. Currently Vircle supports daily recurring and also anytime spend frequencies. For daily recurring, you may select multiple dates within a calendar month for each approval. For Anytime frequency, you can select and start date and end date during which this approval remains valid.
Spend Approvals - Once anytime Cash


Step 6: You will be prompted to enter you 6 Digit Transaction PIN created during registration process.
Fantastic, you have now given your child/V Friend a spend approval. Your V Friend may now just walk up to the stores, scan their identity such as their school card, Vircle QR card or Vircle wearable devices to identify themselves and spend your given approvals. When a payment occurs, you will receive real time notification in your app, inclusive of details on what has been purchased and for how much.
Similar to cash approvals, product approvals enable Vircle Wallet user to select specific items from a Vircle Merchant store to provide towards a dependant. In product approvals, your dependant would NOT be able to choose what to purchase at the store, instead you will pre decide what can be consumed by your dependant.
Example of a product approval: You provide your dependant an approval to go to a specific grocery shop to pick up only 1KG of KNIFE brand oil. In such cases, your dependant will not be able to purchase anything they wish with your approval and the merchant will be able to view the exact approval given by the wallet user to a dependant.
How do i track consumption and spend of my Child (V Friend) ?
When each approval is consumed by your child, you will receive real-time transaction notifications. Within approval details screen, head to transaction section and all transactions for this approval is listed. Just click on each and get detailed insights into what your child has purchased.

This is an example of a transaction receipt a parent gets. If the purchase type is “Food and beverage” Vircle extracts the nutrient data from the product catalogue an provides parents with details on the quality of food a child eats.

The health insights module gives parents insights into the nutrition value of the food a child consumes. Vircle is NOT just a payment platform but a platform to help parents nurture Smart, Healthy and Responsible children. The health module gives parents insights into the quality for food a child takes in school. When health is clicked, it brings you to the health profile and analytics service.

Parent may view and update their child’s height, weight and gender and based on this Vircle has developed accurate data prediction models with the help of MOH and UKM School of applied science on nutrition requirements for a child. All school meals purchase data are crunched and based on nutrition score of the data, parents are given insights on the food choices of their children.
At the same time, for those participating schools, the food scores are compiled into a leader board to allow children to compete for leader board recognitions by eating healthy food.
Vircle User Account requirements
Vircle is Malaysia's 1st central bank regulated parental-controlled E-wallet to enable a wallet user (A Parent) to securely onboard a trusted dependant (child) into their e-wallet and provide for them spend approvals, paid for by the wallet user. Most ewallets in Malaysia are built for personal use and does not allow a wallet user to allow an external person to consume from their wallet.
The Vircle Wallet does not transfer money to a dependant account, instead Vircle implements a secure approvals engine which enables the wallet user to provide digital spend approvals to a dependant, think of it as a digital coupon or food coupon. However, Vircle allows the provider to set rules on how such spend can happen, i.e at which shop, for how much, how frequently and for what duration.

Vircle gives the provider/fund owner the ability to decide how the given fund is spent. Besides money, Vircle is also able to enable account owners to give approvals which are tied to services, i.e right to attend classes, access, benefits etc. It’s a very flexible approval engine which is encrypted and secure, initially created to securely allow parents to give children as young as 5 years of age, digital allowances.
Who are the users in a Vircle system ?
There are 3 key users in a Vircle platform.
- The Vircle Wallet User (Parent) – this is an individual user or parent providing spend approvals to any child or dependant.
- The Vircle Friend (Child) – A child or dependant issued with a valid Vircle QR code or card, provided for by a school and registered into the Vircle app by a Parent or provider who performs a child identity registration into Vircle.
- The Vircle Merchant Store – A legal business owner who has signed up as a merchant with Vircle and completed a business validation and compliance process.
A Vircle Wallet user (Parent) onboards a Vircle Friend (child) by registering them within the parent app. A wallet user can then proceed to give spend approvals to a Vircle Friend (child) at participating Merchant stores.
Vircle User Smartphone Requirement:
A Smartphone with the following Minimum OS versions are required;
Google : Android OS Version 8 and above
Apple : iOS Version 11 and above
*The minimum OS versions are dictated by the Bank Negara Malaysia for security reasons for all new payment wallet providers. As Vircle deals with child identity and security, we have utmost value and strict adherence to security of the devices we operate on.
The Vircle account owner (parent) must adhere to the following requirements to own and operate a Vircle Wallet Account.
- Age Requirement:
You must be at least 18 years of Age to register for a Vircle E-wallet. if you are below
18 years of age, please obtain consent from your parents.
- Valid Identity:
Please have a valid Identity as recognized by the Malaysian legal system. If you are a Malaysian Citizen, Malaysian NRIC number will be required when registering for an account If you are a non-Malaysian with Valid Residency pass, a Passport number is required. Non Residents foreigners are NOT allowed to use the Vircle service.
Vircle Terminologies:
One registered into the Vircle application, a Parent user should familiarize with Vircle terminologies used in the app. There are several terminologies to parents navigate through the cashless experience provided for by Vircle. Here are some of them;
- V Friend - Your child or dependant for whom you are providing spend approvals for (allowances), using the Vircle application
- V Give - Spend approvals or Allowances you have given to your V FRIEND (child)
- V Receive - Currently not activated for use. It is spend approvals you have received from others who are providing for you.
- V Groups - These are safe groups of stores where Vircle purchases can happen, such as a school or other circles that your V Friend (Child) is part of. Within a V group you have approved stores where your dependant may safely transact spend approvals given by you. A school is an example of a V Group.
- Approved Stores - These are stores within a V Group circle at which spend approvals can be consumed at. Schools determine which stores can participate in a school group.
Top up my ewallet?
To top up your E-wallet, from your Vircle Home Quick luanch Menu or Settings Menu, please select Wallet Top up function. You will be taken to the Top Up function.
Select Payment Methods, supported are ONLINE BANKING & CREDIT CARD
Spend Approvals - Product Selection
Product pre-selection allows parents to pre-select items from a store that a child can pick up. Product pre-selection does not require upfront payment and works same as cash approval. Its an approval a parent gives which only converts into a sales when a child actually picks up the item in store.
Step 1: Select the Approval Type as Product Selection
Step 2: Select the Stores where this spend is Valid, for product, you may only select 1 store.
Step 3: Select the Spend Frequency as anytime OR daily recurring. Anytime allows the child to complete the purchase anytime between start date and end date while daily recurring allows for recurring approvals on fixed dates.
Step 4: Select Valid dates – Set a start and end date as this example is an anytime approval
Step 5: Click next and confirm.
Step 6: You will be prompted to enter you 6 Digit Transaction PIN created during registration process.