Payment Order: overview

Payment Order is Billplz's API-driven disbursement service for sending payments from your Billplz account to any Malaysian bank account. You pre-fund a Payment Order Limit, then execute payment instructions via API to pay suppliers, agents, refund customers, or handle any outgoing transfers your business requires.

What Payment Order does

Payment Order enables on-demand disbursements: you initiate the transfer when you need it, unlike automatic payouts. This gives you programmatic control over outgoing payments: when they happen, who receives them, and how much.

Payment Order is available to all Billplz membership plans (Basic, Standard, and Enterprise).

Common use cases:

• Refunding customers after a cancelled order
• Paying supplier invoices or vendor commissions
• Distributing agent earnings or affiliate payouts
• Reimbursing employee expenses
• Paying freelancers or gig workers

Payment Order vs Payout

Payout and Payment Order are separate services with distinct purposes.

Payout is the automatic daily settlement of payments you collect from customers. Billplz transfers these funds to your registered bank account on the next business day without any action required from you.

Payment Order is a separate, on-demand disbursement that you trigger via API to send money from your Billplz account to other bank accounts. This is not automatic, you control when, where, and how much to disburse.

Think of Payout as "money coming into your bank account" and Payment Order as "money going out to others."

How Payment Order works

The collection structure

Payment Order uses the same collection concept as bill creation. You create a Payment Order Collection, which groups multiple payment orders together. Each disbursement you execute becomes an individual payment order within that collection.

Pre-funding requirement

Before executing any payment via API, you must reload your Payment Order Limit. This is separate from your Billplz Credit Balance:

• Billplz Credit Balance covers transaction fees (FPX charges, service fees, Payment Order fees)
• Payment Order Limit covers the actual disbursement amounts you send to recipients

Both balances must be funded separately. You cannot use Credit Balance to fund Payment Orders, and you cannot use Payment Order Limit to pay transaction fees.

How a disbursement flows

To execute a Payment Order, you collect the recipient's bank account number and bank code, ensure your Payment Order Limit covers the transfer amount, and submit the disbursement via API. Billplz then processes the instruction and disburses funds to the recipient's bank account using DuitNow Transfer.

Here is the typical workflow:

1. Collect the recipient's bank account number and bank code
2. Reload your Payment Order Limit with enough funds to cover the disbursement
3. Create a Payment Order Collection via API (or use an existing one)
4. Execute the Create Payment Order API call with the recipient's details
5. Billplz processes the disbursement and settles funds to the recipient in real time

Payment Order statuses

Each Payment Order progresses through a lifecycle. The API returns one of the following statuses:

• processing — Payment Order has been received and is being prepared
• enquiring — Billplz is verifying the recipient's bank details
• reviewing — The transaction is under review
• executing — The disbursement is in progress
• completed — Funds have been disbursed to the recipient
• refunded — The Payment Order has been refunded
• cancelled — Billplz was unable to process the disbursement

Callback notifications

If your Payment Order Collection includes a callback_url, Billplz sends a POST notification when the payment order status changes. Payment Order callbacks have 2 attempts total (compared to 5 for bill callbacks), so your endpoint must be reliable. For implementation details, see Webhook and callback setup.

Fees

A per-transaction fee is charged from your Billplz Credit Balance (not from the Payment Order Limit) each time a Payment Order is successfully created. The fee amount depends on your membership plan. See the Billplz pricing page for current rates.

Settlement timing

Payment Orders settle in real time via DuitNow Transfer. Once the API execution completes successfully, the recipient's bank receives the funds immediately. Actual crediting to the recipient's account depends on their bank's processing time, DuitNow Transfers are typically instant, but some banks may take up to one business day.

Dashboard and API

Payment Order creation and execution are API-only. You cannot create individual payment orders from the dashboard. However, the dashboard provides visibility into your Payment Order operations:

• Your current Payment Order Limit is displayed in the dashboard header
• The Payment Order sidebar menu shows your Payment Order Collections and transaction history
• You can reload your Payment Order Limit from the dashboard

For step-by-step instructions on reloading your limit, see Reload your Payment Order Limit. For the full API endpoint reference, see the Payment Order API documentation.