What is FPX Payment Malaysia?

FPX Payment or Financial Process Exchange is a secure online payment gateway system that enables consumers to make real-time payment online by using their current or savings account. FPX is widely used among consumers as it provides convenience to purchase products at online stores.

Do you need to register to use FPX?

The best part about using FPX Payment is that you don’t even have to register for it and it is free of any charges.

Benefits of FPX Payment

When using FPX Payment, you can easily make a payment between different banks. FPX also promotes efficiency through automation and it saves more time for the online transaction process. The operational cost is also reduced as the merchant only needs to connect and reconcile with one bank while having access to many banks.

The payment is guaranteed; in other words, the payments are deducted real-time online. Once the payment has been done, notifications are sent to both parties. You can also keep up with your payments easily by reading the FPX transaction reports. Most importantly, FPX is a safe and secure authentication payment method. 

FPX Payment Process

You can follow these simple steps in order to use FPX Payment:

  • Make sure the pop-up blocker of your browser is disabled
  • At the merchant website, select FPX as a payment method
  • Select your preferred bank, then you will be redirected to the Internet banking login page
  • Proceed to key in your login details and complete the payment
  • Once the transaction is successful, a separate notification will be delivered from the merchant, bank and FPX System.

What are the FPX banks in Malaysia?

The participating banks are Maybank, CIMB Bank, RHB Bank, Public Bank, Hong Leong Bank and Bank Islam. There could be more as time progresses.

What are the operating hours for FPX?

FPX system is available 24 hours daily. However, FPX service is subject to the participating banks' online banking service availability. You may refer to the table below:

Retail Internet Banking Operation Hours
AmBank 2:00 am - 11:45 pm
Bank Islam 1:00 am - 12:00 am
CIMB Bank 12:10 am - 11:55 pm
Hong Leong Bank 1:00 am - 11:00 pm
Maybank (M2E) 6:00 am - 12:00 am
Maybank (M2U) 1:00 am - 12:00 am
Public Bank 12:15 am - 12:00 am
RHB Bank 12:30 am - 12:00 am
Affin Bank 1:00 am - 11:59 pm
Corporate Internet Banking  
Affin Bank 1:00 am - 11:59 pm
AmBank 2:00 am - 11:45 pm
CIMB Bank 6:00 am - 11:45 pm
Hong Leong Bank 1:00 am - 11:00 pm
Maybank (M2E) 6:00 am - 12:00 am
Public Bank 12:15 am - 12:00 am
RHB Bank 1:00 am - 12:00 am

What is the minimum transaction limit?

For an individual banking account, the minimum amount is limited to RM1/transaction. For corporate banking account, the minimum amount is limited to RM2/transaction.

What is the maximum transaction limit?

For an individual banking account, the maximum amount is limited to RM 30,000.00/transaction. For corporate banking account, the maximum amount is limited to RM 1,000,000/transaction. However, the above limit depends on your Internet banking transaction limit.