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

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.
• Seamless referral process - add your code, share the payment link, and PX auto-tags and send qualified leads to the bank via VX—you get recognition, the bank gets a ready-to-work lead.

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 without leaving PX.

• If a user encounters any issue while using Paymentxchange, the PX support team can be reached via CRISP chat. This chat feature is accessible by all users (Admins, Agents, Buyers).
• Users can leave their preferred email or phone number for the PX support team to contact them. By default, the PX support team will reply through the same chat. Users can access their CRISP chats by logging into PX

For Admins — Managing PX

Creating New Agents

Managing Agents

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.

For Agents — Using PX

Creating Payment Request

1. Enter deposit details, identify type of account, and property information
2. Enter deposit amount

• Individual accounts: the maximum FPX limit per transaction is RM30,000. Amounts above this limit will be automatically split into multiple payments.
• Corporate accounts: the maximum FPX limit per payment is RM1,000,000. For payments exceeding the limit, please make multiple payment requests instead.

Tip: If a deposit exceeds the applicable limit, create a single request and let PX auto-split (individual), or create multiple staged requests (corporate) that fit within limits.

3. Upload Offer to Purchase (OTP)

• Upload the signed Offer to Purchase document to attach it to the payment record.
• Accepted formats include PDF/Doc/Docx (max file size of 10MB).

4. Final Review & Confirmation

Payment Request Overview

• Buyers must provide their personal information (name, email, mobile) before proceeding with payment.
• 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.

Managing Payment Requests

The main dashboard displays all property records & requests linked to the agent. Each individual request can be viewed in greater detail by clicking on "View". Clicking on "Open Payment Page" will re-direct the agent to the page from the Buyer's perseptive

The dashboard lists all properties and payment requests linked to the agent.

Use search and filters (e.g. project name, buyer, status) to find a request quickly.

Click View on a row to open the request details (timeline, documents, attempts, receipts).

Click Open Payment Page to see the buyer’s view (useful for support and to quickly copy the QR again).

FAQ

Q: Do I or my buyers need to pay any fees to use PaymentXchange?

A: There is no additional fee charged to the buyer or agent by PaymentXchange for processing an earnest/rental deposit. The buyer will pay exactly the deposit amount required and the platform uses the CHIP payment gateway to facilitate the bank transfer, and any gateway fees are handled in the backend. In other words, if the earnest deposit is RM5,000, the buyer’s bank account will be debited RM5,000 for the transaction.

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

A: 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.

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

A: 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. A future feature may support refund tracking, but for now, handle it offline and keep all parties updated.”

Important: The Terms of Service note that any disputes about deposit refunds are outside the scope of the platform’s responsibility. So, as an agent, make sure to involve your agency admin in such discussions. In future, we may introduce a feature to log or facilitate refunds, but for now, handle it offline and update all parties accordingly.

For Buyers — Paying from the Link

1. Open the secure link

The buyer accesses the hosted payment page created by their agent. The page will include information about the related property and agency.

2. Provide Identification details

The buyer's personal details will first need to be provided, including a picture of their Identification Card.

For corporate buyers, the company's registration number will be needed in place of a NRIC number. A copy of the company's registration document will also be required.

3. Confirm Contact Information

• • Buyers will also need to provide their contact details, both phone number and email address (optional). A TAC code will be sent via sms to confirm your phone number.
  • For first time buyers, their verified phone number will act as their login for PX.

4. Privacy consent & Optional Service

• • Before proceeding to payment, buyers will need to provide consent to use PaymentXchange.

5. [WIP] Choose payment method

The payment gateway is powered by CHIP, which supports FPX (online banking) and cards

1. Complete bank/card authorisation (OTP)
2. 1. FPX: select FPX → authenticate in bank flow → enter bank OTP -> return to PaymentXchange page
   2. 1. FPX B2BC: Individual Account to bank trasnfer
      2. FPX B2B1: Corporate account transfers
2. See immediate outcome

When authorisation completes, CHIP posts the result and PX updates status instantly (Success / Failure). Buyers will be taken back to the merchant page and receive a digital receipt for that payment request

FAQ

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

A: PaymentXchange is a secure online platform for paying property purchase deposits (earnest money) and rental deposit. Instead of handing over a cheque or doing a manual bank transfer to the agency, you can pay through this platform, which ensures the money goes directly into the proper trust account and provides instant receipts.

Your real estate agent’s agency is using PaymentXchange to protect both you and them: it reduces fraud and errors by automating the payment to the verified account of the agency. It’s similar to how you might pay an online bill or purchase but specifically tailored for property transactions. By using PaymentXchange, you’ll have a clear record that you paid the deposit to the right party, giving you peace of mind that your funds are safe.

Q: Do I need to sign up for a PaymentXchange account to pay, or can I checkout as a guest?

A: For the most part, you do not have to create an account in the traditional sense ahead of time. PaymentXchange auto-creates your account after you verify your mobile number.

How it works:

1. Open your secure payment link.
2. Fill up your details and enter your mobile number -> receive OTP -> Verify
3. You're registered automatically and taken straight to payment.

Your verified phone number is your account identity. You can later view receipts or transactions by verifying with the same number (OTP login).

MPIS & Bank Referral Codes

What it is

• Some banks run Mortgage Referral Incentive Schemes (MPIS) or referral programs for licensed real estate professionals. In PaymentXchange, you can store your bank-issued referral codes so that qualified leads generated during your deals are automatically attributed to you for the bank’s program recognition.

What it does in PX — and across the ecosystem

• Auto-attribution in PX: Add a valid referral code for a participating bank and PX attaches it to eligible customer leads you submit.
• Hand-off to VX: Those leads are passed to ValuationXchange (VX), where banks can progress them through indication if desired and, when appropriate, formal valuation—all within the same ecosystem.
• Why this matters: Banks can act on your leads faster (no double data entry), keep audit trails/SLA visibility, and move the customer from deposit → mortgage assistance → valuation with fewer handoffs and less delay.

Benefits for agents

• Effortless referrals – PX handles lead submission & attribution automatically.
• Clear recognition – Your code follows the lead for MPIS recognition at the bank.
• Broader service – Help clients transition from booking/deposit to loan assistance smoothly.
• Track activity – Monitor referral status and outcomes within PX.

Updated on: 08/10/2025