1. Use Alipay (International) or WeChat Pay (International)
    •    Best for: Paying individuals or small merchants in China who accept e-wallet payments.
    •    How it works:
    •    Open an Alipay Malaysia version, or link your Touch ’n Go eWallet to Alipay.
    •    Top up MYR into your wallet.
    •    Use a currency exchange agent (third-party service) who will accept MYR and transfer CNY directly to the recipient’s Alipay or WeChat account.
    •    Caution:
    •    Only use trusted agents to avoid scams — look for registered businesses or well-rated online sellers (e.g., via Shopee or local shops).
    •    Alipay is generally more flexible than WeChat for international users.

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2. Use Bank Telegraphic Transfer (TT) from Malaysian Banks
    •    Best for: Paying official Chinese companies with bank accounts.
    •    Steps:
    1.    Go to a local bank (e.g., Maybank, CIMB, HSBC).
    2.    Request a Telegraphic Transfer (TT) from MYR to CNY (or sometimes USD, then converted to CNY in China).
    3.    Provide full bank details of the Chinese recipient (account name, number, bank name, SWIFT code, etc.).
    •    Notes:
    •    Transfer fees apply and may be high.
    •    It usually takes 1–3 business days.
    •    Not all banks support MYR→CNY directly; some convert via USD.

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3. Use Cross-Border Payment Platforms (e.g., Wise, Instarem, Western Union)
    •    Recommended: Wise (formerly TransferWise):
    •    Create a Wise account.
    •    Choose MYR to CNY, input the recipient’s Chinese bank details.
    •    Transparent exchange rates, fast delivery.
    •    Others:
    •    Western Union: Good for emergency cash pickups.
    •    Instarem / Remitly: Simple to use, competitive rates.
    •    Pros: Safe, easy to track, lower fees than banks in most cases.

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4. Use Local Money Changers or Trusted Agents (We are Provided this Services)
    •    How it works:
    •    Some Chinese-owned exchange agents in Malaysia offer MYR→CNY remittance services.
    •    You pay MYR (cash or bank transfer), and they transfer CNY from a China-based account to your recipient.
    •    Common in: Kuala Lumpur, Johor Bahru, Penang, or via WeChat groups.
    •    Caution: Always verify their credibility.

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5. Use Cryptocurrency (if the recipient accepts it)  (We are Provided this Services)
    •    Example:
    •    Buy USDT or Bitcoin using Binance or a local OTC seller.
    •    Send crypto directly to the recipient’s wallet.
    •    They convert it to CNY in China.
    •    Best for: Tech-savvy users; not mainstream for business use.
    •    Risk: Volatile rates, requires caution and experience.