Creating New Agents

| Admins can invite users to PaymentXchange by clicking "Create User"

| In the User Management page, admins can manage all users within their agency. Options to edit user details, deactivate, or delete accounts are available on the right side under the Actions column.

Question 2

[1.2] PaymentXchange User Manual

Accepted Answer

Welcome to PaymentXChange (PX)! This manual provides step-by-step guidance on how to effectively use the platform's features for managing and tracking payment requests.

Understanding PaymentXChange

Q: Payment Status

| Status | Description | | Pending | The payment link has been created and the buyer has been invited to make payment, but no payment has been made yet. | | Part-Paid | A partial payment has been made — further payment is required. | | Paid | The transaction has been successfully completed, and the full amount has been received | | Expired | The payment request has expired because the buyer did not complete payment before the expiration date/time. |

PaymentXchange (PX) is a secure payment platform designed for property transactions. It allows property agents to send buyers a simple payment link, and buyers can complete payments online via FPX or card with OTP verification. PX provides instant status updates, digital receipts, and a clear audit trail, making collections faster, safer, and more transparent for both agents and buyers. The PX portal provides several key functionalities:

Secure payment links – agents send buyers a one-click link to pay online.
Multiple payment options – supports FPX (online banking0) and cards.
Real-time status updates – both agents and buyers see instantly if the payment is successful or failed.
Digital receipts – automatic receipts issued for every completed payment.
Reconciliation & reporting – agents can track all payments, settlements, and generate reports.

CRISP

CRISP is the built-in live chat feature on PaymentXchange, powered by Crisp.chat. It provides instant, AI-assisted help directly within the platform — offering quick answers, guidance, and support articles in real time. When needed, the chat automatically connects users to real human support agents for further assistance, ensuring every query is handled quickly and personally wit

Question 3

Payment Request Overview

Accepted Answer

Payment Request Overview

| - Buyers must provide their personal information (name, email, mobile) before proceeding with payment. This links the deposit to a real person/company to reduce fraud and errors.

Payment requests can be accessed by buyers either through QR code or URL link.
Security reminder: Anyone with the QR code or link can view the payment page. Share only with the intended buyer and avoid posting it on public channels.

![](https://storage.crisp.chat/users/helpdesk/website/-/3/7/0/2/3702eff8ee22440/screenshot-2025-10-08-at-10484_sm08ik.png =760xauto)

Question 4

Payment Status

Accepted Answer

| Status | Description | | Pending | The payment link has been created and the buyer has been invited to make payment, but no payment has been made yet. | | Part-Paid | A partial payment has been made — further payment is required. | | Paid | The transaction has been successfully completed, and the full amount has been received | | Expired | The payment request has expired because the buyer did not complete payment before the expiration date/time. |

Question 5

Agency's General FAQ

Accepted Answer

Q: Are there any fees to utilize PaymentXchange?

| There are no additional fees charged to the buyer or agent by PaymentXchange for processing an earnest/rental deposit. PaymentXchange uses the CHIP payment gateway to facilitate the deposit payments. In other words, if the earnest deposit is RM5,000, the buyer’s bank account will be debited RM5,000 for the transaction. The Agency will receive the exact amount into their bank account.

Q: How can I tell if my buyer has paid the deposit?

| Check your PX dashboard—the request status updates in real time (e.g., Pending → Paid). You’ll also get a success notification/email, and a digital receipt is generated for both you and the buyer. If the buyer says they’ve paid but you still see Pending, open the request to view the transaction details (timestamp/reference). FPX is usually near-instant, but a brief bank delay can occur. Still unsure? Contact your agency admin to verify settlement.

![](https://storage.crisp.chat/users/helpdesk/website/-/3/7/0/2/3702eff8ee22440/image_snhfqv.png =1062xauto)

Q: What if my client asks for a refund of the deposit? Can I do that through the platform?

| Deposit refund disputes fall outside the platform’s scope and should be resolved between buyer and seller/agency per the sale contract or agency policies. Agents should involve their agency admin. || Important The Terms of Service note that any disputes about deposit refunds are outside

Question 6

Buyer's General FAQ

Accepted Answer

Q: What is PaymentXchange and why am I being asked to use it?

| A: PaymentXchange is the official and secure payment channel used by the agency to collect deposits. It ensures your payment goes to the correct account, shows you the property and agency details before you pay, and protects you from scams or wrong transfers. Behind the scenes, PX uses a certified payment gateway (CHIP) with bank-grade security and OTP, and it automatically generates a digital receipt and audit trail that both you and the agency can rely on if there are any questions later. It also helps the agency and bank process your case faster, because your payment, details, and documents are captured cleanly in one place instead of scattered across WhatsApp and manual bank-in slips.

Q: Is PaymentXchange a payment gateway?

| A: No. PaymentXchange is not a payment gateway. It is a payment orchestration and management platform designed specifically for property transactions. PaymentXchange creates and manages secure payment requests, captures buyer details and consent, tracks payment status, and provides receipts and audit records. The actual payment processing is handled by a certified payment gateway (CHIP), which supports FPX and card payments and manages bank authentication and OTPs

Q: How does PaymentXchange keep my information safe?

| A: While PaymentXchange manages the payment request and records, the actual payment processing is handled through a certified paym

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