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What is the difference between maybank2u.com open payment and closed payments?

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What is the difference between maybank2u.com open payment and closed payments?

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Open payment: a payment is made when login into www.maybank2u.com, selects Open Payment and selects payment to Malaysiakini.com (listed under Retail and Shopping). Closed payment: a payment is made through Manage4me.com. Closed payments are updated immediately while Open Payments are updated the next working day.

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