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1. What is Pay4U?

Pay4U is a payment platform that allows user to make payment via mobile application & web portal. We have solutions for individual and company.

  • Personal - a mobile application that offers users the option to pay monthly loan using credit card, debit card or FPX.
  • Business – a web portal that offers small businesses an option to pay business expenses like salary, rental, or invoices using credit card, debit card or FPX.

2. How do I apply for Pay4U?

  • Personal – Download ‘Pay4U’ app from App store & Play store and sign up for an account at a free cost.
  • Business – Register an account via at a free cost.

3. What device can I use for Pay4U?

Your device must be compatible with the following operating system:

  • Android 5.0 and above
  • Apple iOS10.3 and above

4. I Can’t Download Pay4U On My New Huawei Phone. What Should I Do?

Due to US government restrictions, new Huawei device models made available to the public after May 16, 2019, will not be able to utilize Google's apps and services.

We will update you when Pay4U is made available on new Huawei devices.

Read more from Google here:

5. Do I have to provide any documents to apply?

  • Personal - users need to upload their identification documents like IC (for Malaysian) and passport (for Foreigners)
  • Business - users need to upload SSM (Form D, Form E, Form 9 / Form 8, Form 13, Form 24, Form 44 & Form 49) or business owner license, and person in charge’s identification card number

6. What can I pay with Pay4U?

  • Personal – Car loan, Credit Card, Goods Financing, Home Loan, Koperasi, Maintenance Fees, Motorcycle Loan, personal loan, PTPTN, Insurance, Rental, and Others (Parking & Invoices) – Tuition Fees
  • Business – Salary, Rental and Invoices.

7. How does Pay4U works?

  1. Register an account with Pay4U
  2. Select a payment category
  3. Fill up payment/loan details
  4. Select payment method
  5. Pay4U settles the payment for recipients

8. What are the benefits of using Pay4U?

  • Personal
    • Maintain a good credit score
    • Improved cash flow
    • Extend your repayment up to 50 days
    • Earn more cashback, points or miles from your credit card issuer
    • Avoid additional interest and late fees
  • Business
    • More cash flow that can be used for more urgent matters
    • Pay with credit card even where your supplier / vendors can’t accept card payment
    • Extend your repayment due date up to 50 days
    • Earn more cashback, points or miles from your credit card issuer
    • Guaranteed payment to your suppliers / vendors in 5 working days

9. Is there a fee to use Pay4U service?

Yes. Each transaction is subjected to a one-time charge as below:

Service Charge 1.99% (Credit Card, Debit Card, FPX)
Personal - Processing Fee 0.25% of transaction amount or RM15 per transaction, whichever is higher unless otherwise stated
Business - Processing Fee 0.25% of transaction amount or RM5 per record, whichever is higher
Refund Fee RM10

10. Is Pay4U secured?

All transaction information and data in Pay4U are encrypted and secured, as it is governed by the Payment Card Industry Data Security Standards (PCI DSS)

11. What type of credit cards are accepted by Pay4U?

We accept all local Master & VISA cards.

12. Does Pay4U allow cash out?

Pay4U does not offer users an option to transfer money to their current and saving account for cash out purpose.

Payment Process

1. How long does it take to process my payments to financial institution?

All payments will be processed in 5 working days to the respective financial institutions.

2. How do I know if my payment has been successfully made to the financial institution?

The whole settlement may take 5 working days. After your payment has been accepted by the financial institution, the status in the Pay4U app will be changed from “Processing” to “Successful”.

3. Is there a maximum amount for each transaction?

Yes, the transaction limit for each category are listed as below:

  • Personal – refer to the following table

    Type of Transaction All Transactions other than credit card to credit card transaction Credit card to Credit card Transaction
    Single Transaction Limit RM 30,000.00 RM 25,000.00
    Cumulative Monthly Transaction Limit RM 50,000.00 RM 25,000.00

    *In the event a customer has used up the cumulative monthly limit for the credit card to credit card transaction of RM25,000.00 the customer’s cumulative monthly limit balance for all other transactions will then be capped at RM25,000.00

  • Business - RM100,000 per transaction and cumulative amount of RM300,000 per month

4. Can I pay for a third party?

Yes, you can make payment for 3rd party account but it should be agreeable between both parties. Pay4U will not take responsibility on any fraud cases.

5. Can I request for a refund if my transaction is rejected?

Yes, you can request for refund and only principal amount will be return back. The refund amount will be charged back to user’s credit/debit card and return back to user’s account for FPX payment method.

6. Is there any waiver of fees for refund transactions?

Yes, if upon our finding, we determine that the duplicate charges have been incurred as a result of our system error, we will refund such fees.

7. Is there a minimum amount for each transaction?

Yes, The minimum amount per transaction is RM 100.

*For koperasi -membership minimum amount per transaction is RM 30, Koperasi Loan-Minimum amount per transaction is RM 50.

Account Management

1. How do I change my password?

  1. Click on the ‘My account’ page and select ‘change password’.
  2. Enter your current password.
  3. Then enter new password and confirm the password again before clicking ‘save’.
  4. You will now be able to log in to your Pay4U account with your new password.

2. I forgot my password. How do I reset it?

  1. Click on the ‘forgot password’ link and you will be redirected to the Forgot Password page.
  2. Enter your email address and hit the Submit button.
  3. You will receive an email to the registered email address with the Password Reset link. Click the link and reset your password.
  4. You will now be able to log in to your Pay4U account with your new password.

3. Can I assign my staff to perform my transactions for Business expenses?

Yes, with the payee’s payment details and card information the employee can perform business expenses transactions on your behalf. It is at company’s own risk to share account details among coworkers.