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 and FPX.

• Personal – Download ‘Pay4U’ app from App store & Play store and sign up for an account at a free cost.
• Business – Register an account via pay4u.com.my at a free cost.

Your device must be compatible with the following operating system:

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

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: https://support.google.com/android/thread/29434011?hl=en

• 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.

• 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.

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

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

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

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).

We accept all local Master & VISA cards.

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

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

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”.

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 company per month

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.

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.

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.

Yes, The minimum amount per transaction is RM100.

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

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.

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.

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.