Activate payments

FPX online banking is active by default. To accept card payments (Visa, Mastercard) or e-wallet payments, you need to complete business verification (KYB) and submit the documents below. You can apply for card and e-wallet in a single submission.

Document checklist

E-wallet activation requires 3 documents. Card activation requires all 7.

How to apply

1. After signing up, you receive a Welcome Email containing a link to the activation application form.
2. Complete and submit the form. You can request card, e-wallet, or both.
3. You receive an email confirming the documents you need to submit.
4. Submit the documents via email as instructed. All documents must be clear, legible scans or digital copies in PDF format.

Registration and business documents

Your registration and business documents depend on your busin ess type. Find your type below.

• Corporate / Sdn Bhd: your company name ends with "Sdn Bhd" or "Bhd". Registered with SSM under the Companies Act 2016.
• Sole proprietor / Partnership: registered with SSM as a sole proprietor (one owner) or partnership (two or more owners). Your SSM certificate is Form D (Borang D).
• Limited Liability Partnership (LLP): your business name includes "PLT" (Perkongsian Liabiliti Terhad). Registered with SSM under the LLP Act 2012.
• Association, Society, Firm (ROS / eROSES): registered with the Registrar of Societies (ROS). Includes NGOs, clubs, and professional bodies.

Corporate / Sdn Bhd

All corporate entities submit the following federal SSM documents:

1. Certificate of Incorporation (Form 9 / Superform / Section 14): your company's incorporation certificate showing the company name, registration number, and date of incorporation.
2. Certificate of Incorporation upon Change of Name (Section 17): required if your company has changed its name since incorporation.
3. Allotment of Shares (Form 24 / Section 78): the share allotment form showing shareholding details.
4. Directors, Managers and Secretaries Particulars (Form 49 / Section 58): the form listing all current directors, managers, and company secretaries.
5. Notice of Situation of Registered Office (Section 46 / Form 44): showing your company's registered office address.
6. Memorandum and Articles of Association (M&A) / Constitution: your company's constitution or M&A document.
7. SSM Company Profile (SSM e-info): the full company profile from SSM, issued within the last 1 to 3 months. Shows corporate information, directors, shareholders, share capital, and financial summary.

West Malaysia

• Authorization letter (Surat Kebenaran Perwakilan Kuasa): a letter on company letterhead signed by the director(s) or key responsible person, or a Director's Resolution authorizing the account setup.

No state-issued trade license is required for West Malaysia.

East Malaysia

Submit your state-issued trade license in addition to the federal SSM documents above:

Sarawak:

• Trade License (Form 109 / Ordinance Chapter 142): issued by your local district or city council (e.g., MBKS, DBKU, MPY).

Sabah:

• Trading License (Form 1 / Form B): issued by your local municipal authority (e.g., DBKK, MPS, MPT).

Sole proprietor / Partnership

West Malaysia

1. Certificate of Registration (Borang D / Perakuan Pendaftaran Perniagaan): issued by SSM for sole proprietors and partnerships. Shows the business name, registration number, and owner details.
2. Business Information (Maklumat Perniagaan): the business information printout from SSM, issued within the last 1 to 3 months. Shows the owner, registered address, branches, and business activities.
3. New Registration Form (Borang A) or Trade Name Approval Form (Form PNA 42): if applicable.
4. Proof of operating address: tenancy or lease agreement, or a utility bill (electricity, water, or internet) issued within the last 3 months.
5. Local Council Business Premise License (Lesen PBT): required if you operate from a physical commercial storefront (e.g., DBKL, MBPJ, MBSA).

East Malaysia

Some East Malaysia sole proprietors register under state ordinances rather than SSM. Submit whichever registration documents you hold. If you have both SSM and state registration, submit both.

All East Malaysia sole proprietors:

• Proof of operating address: tenancy or lease agreement, or a utility bill (electricity, water, or fixed-line telephone) issued within the last 3 months.

Sarawak:

1. Trade License (Form 109 / Form 104): issued under the Trades Licensing Ordinance (Cap. 142) by your local council (e.g., MBKS, DBKU, MPY).
2. Extract of Register of Business Names (Borang 1): extract from your District Office.

Sabah:

1. Trading License (Form B / Form 1): issued under the Trades Licensing Ordinance by your local municipal authority (e.g., DBKK, MPS, MPT).
2. Extract of Business Registration / License Info: if applicable.

Limited Liability Partnership (LLP)

1. Notice of Registration: issued under the Limited Liability Partnerships Act 2012.
2. Certificate of Registration: if applicable.
3. SSM LLP Profile: the LLP corporate information printout from SSM, issued within the last 1 to 3 months. Shows status, registered address, and compliance history.
4. LLP Agreement: the agreement detailing partners' rights, duties, and management structure (if executed).
5. Partnership Account Mandate Form: signed by all partners, specifying authorized signatories.
6. Proof of operating address: tenancy or lease agreement under the LLP or partner's name, or a utility bill (electricity, water, or broadband) for operating premises, issued within the last 3 months.

Association, Society, Firm (ROS / eROSES)

Registration documents:

1. ROS Certificate of Registration: the registration certificate issued by the Registrar of Societies (ROS), confirming the society's name and registration number.
2. Constitution / Rules of Society: a certified copy of the society's constitution, detailing its objectives, committee structure, and rules.
3. Certificate of Change of Name: required if your society has changed its name since registration.
4. Return of Office Bearers (Borang 9): the most recent list of current committee members, president, secretary, and treasurer.

Identification and address verification:

1. Office bearers' identification: copy of MyKad (front and back) or valid passport for all principal office bearers (president, secretary, treasurer) and authorized account signatories.
2. Proof of residential address: utility bill or bank statement within the last 3 months for key office bearers, if the address differs from their NRIC.
3. Proof of registered address: tenancy agreement, premise ownership document, or official correspondence showing the society's registered address.

Authorization:

• Meeting minutes / Committee resolution: a certified extract of committee meeting minutes or signed resolution authorizing account setup and designating authorized representatives.

Common documents

The following documents are required for all business types.

1. Directors' or office bearers' identification

Copy of MyKad (front and back) for all directors registered with your company. For non-Malaysian directors, provide a valid passport.

For registered societies and associations, see the identification requirements listed under Association / Society above.

2. Bank statement header

A clear copy of the top section of your bank statement showing the bank name, account holder name, and account number. This must match the bank account registered on your Billplz organization. You do not need to include transaction details.

Additional documents for card payments

The following documents are required for card activation (Visa, Mastercard) in addition to the documents above. E-wallet activation does not require any additional documents beyond the base set.

1. Video recording of PIC and premises

A video recording (maximum 30 seconds) of the registered Person-In-Charge (PIC), along with footage of the merchant's premises covering:

• Exterior of the premises
• Interior of the premises
• Business signboard
• Stock or inventory

2. Proof of business address

A recent utility bill (water, electricity, or Telekom Malaysia) or other legal document clearly displaying your business address. This is required together with the premises video (above).

3. Photos of products and premises

Clear photos showing:

• Your products or services
• Stock or inventory
• Business signboard
• Interior and exterior of your business premises

4. Product URL or purchase screencast

Provide one or both of the following:

• Product URL: a link to your online store or product listing where customers can browse and purchase
• Screencast video: a screen recording demonstrating the full purchase process on your website or platform

Industry licenses

Professional services firms must submit their practicing certificate or license. Businesses in regulated industries may be asked for additional licenses depending on their activity. Both apply to card and e-wallet activation.

1. Professional services

If your business is a professional services firm, submit your sector-specific practicing certificate or license in addition to the documents above:

2. Regulated industries

Depending on your industry, Billplz may request additional licenses or certifications:

What happens after submission

The Billplz team reviews your documents and runs a risk assessment. If anything is incomplete, the team contacts you to request the missing items. Billplz may decline an application after risk assessment. Once approved, you receive a confirmation email and the payment method is activated on your account.