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.

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) or Offer to Rent (OTR)

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

4. Final Review & Confirmation

• Review the Deposit Request before creation.

5. Sharing the Deposit Request with the Buyer

• Once the Deposit Request has been created, Agents may share it to their Buyers via QR code **or **URL Link

**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).

Benefits for agents

• 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.

For Buyers — Paying from the Link

1. Open the secure link

• The Buyer may access the Deposit Request via QR code or URL link shared by their Agent. The page will include information about the related property and agency.

2. Provide Identification details

• The Buyer will first need to provide their personal details as part of AMLA compliance
• 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. A TAC code will be sent via sms to verify 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. Select payment method

• Once all the required information has been provided, the Buyer will be redirected to CHIP to make payment. Buyers will be able to choose their preferred payment method.
• The payment methods available to the buyer depend on what the agency has enabled.

6. Receive Payment Receipt

• Once payment has been made, the Buyer will be re-directed back to PaymentXchange to receive the payment receipt

Updated on: 04/03/2026