How Malaysia’s Payment Infrastructure Supports PaymentXchange

Leveraging the nation's most trusted payment networks for seamless, secure transactions

Integrated with Malaysia’s Real-time Retail Payments Platform (RPP), enabling instant, 24/7 transfers via DuitNow and FPX — with rich transaction data for auditability.

Designed to comply with Bank Negara Malaysia standards, ensuring payments align with regulatory mandates and secure, traceable workflows.

How PaymentXchange Accelerates Property Earnest Deposits

valuation xchange corporate
valuation xchange corporate

Step 1 - Create a Secure Payment Link

Specify the deposit amount, expiry, and payer details. Distribute via link or QR code to the buyer.

Step 2 - Buyer Pays via FPX / DuitNow

Buyer authorizes a real-time transfer on a branded secure interface.

Step 3 - Immediate Receipts & Audit Trailtion

Instant receipts are sent; transaction logs are updated for all parties—transparent and trackable.

Value Proposition Core Pillars

Manual handling of earnest deposits (2–3% of property price) causes delays, lacks transparency, and increases compliance risk.

Regulated Convenience

Regulated Convenience

Earnest and rental deposits are now secured through compliant, authorized payment channels with required PDPA and AML metadata.

• Integrated with licensed, Bank Negara–regulated payment gateways
• Captures PDPA/AML declarations at payment

End-to-End Transparency

End-to-End Transparency

All stakeholders buyers, agents, and lawyers benefit from real-time status tracking and complete auditability of payments.

• Real-time payment tracking is accessible by RENs and REAs
• Transparent transaction trail with instant updates

Faster Closings, Less Risk

Faster Closings, Less Risk

Electronic receipting and reconciliation minimize administrative delays and reduce the chance of manual errors or fraud.

• Instant digital receipts with multi-party notification
• Next-day FPX settlements—even on weekends

Market Rationale & Timing

  • Malaysia’s real-time payments have grown ~26% YoY, with increasing consumer trust in DuitNow and FPX rails.
  • Consumers value security, speed, and transparency in property transactions aligned with regulatory push toward digital finance.
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valuation xchange corporate
valuation xchange corporate

Product Alignment with Real Estate Workflows

  • Tailored specifically for earnest deposit in property purchasing journey (pre-SPA commitment phase).
  • Seamlessly integrates with ValuationXchange, matching payments with valuation and compliance steps.
  • Compliant with Malaysia’s RPP and bank standards structured for property financing workflows.
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Be Among the First to Elevate Property Deposit Workflows

Secure, transparent, and faster deposit management built for modern real estate.

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