of Rapid KL and KTM Komuter. Reloading through ATM and reload agents incurs an additional fee of RM0.50 and RM1.00 at Cash Deposit machines. RM2.00 is charged for Zingcard autoreload for every RM100. Cheque refund Refunds for card balance and deposit are paid by cheque within one month and sent by post by Rangkaian Segar Sdn Bhd. No usage discount Concessionary users are charged between 2.0 – 2.5 percent of the profit for using the system. No discount is given, but instead card users may have to pay the commission fee. Car park operators usually pass on the Touch 'n Go commission fee onto card users, resulting in users paying 10% more. Rebates program Effective 5 Oct 2009, users can claim a rebate if their usage exceeds 80 tolled transactions per month. The rebate amounts to 20% of total usage and is given in points credited to the card, not cash. It only can be claimed at the Touch 'n Go counters at the toll offices. Effectiveness argued Although the system was introduced in the last 20 years with the support of the government (particularly by incorporation the system into MyKad), card and concessionary users still prefer to use cash. According to a Bank Negara report on the Payment System Act 2003, 39% of non-cash transactions in Malaysia were paid with Touch 'n Go. Non-cash payment via Touch 'n Go (and SmartTAG) accounted for 35% of all toll payments nationwide and 50% in the Klang Valley. However, to date, Touch 'n Go claims their ten years of research and development has resulted in four million card users (in a population of 20 million) and use by all 19 toll concession companies in operation in Malaysia. E-statement All transaction records within three days of the date cannot be viewed through the e-Statement. Fax transactions recorded by phone are however available within 24 hours and mostly dependent on the data server system. There is now a site to view transactions for up to ninety days at MYTouchnGo Portal. Limited CTS fare structure The fare structure is only applicable for adults. The cards are not available for senior citizens, children, students or the handicapped; however, since 2017 RapidKL has introduced Touch 'n Go concession cards for its services, replacing the previous myrapid-based cards. KLIA check-in Touch 'n Go card users can no longer access the airline check-in counters at KL Sentral using their