Use case: You want to collect a fixed payment from customer once a month, so that monthly collection is automatically done based on the amount and effective date set. Max Amount: RM500 Frequency: Monthly Max Frequency: 1 Effective Date: 20th of month Auto Collection: Enabled
Step 1: Login to Payex’s portal #
Log on to our portal at https://portal.payex.io/Home, and key-in your credentials.
Step 2: Create mandate link #
- Click “Auto Payments” on the left panel once you’re logged in.
- Click “Create Mandate“
Step 3: Fill out the mandate application (Part I) #
- Choose either:
a. FPX – link to customer’s bank account
b. VISA Mastercard / Foreign card – link to customer’s local / foreign card
- Fill out the relevant details:
a. Name – customer’s name
b. Email – customer’s email address
c. Phone number – customer’s contact number
d. ID Type – customer’s ID type
e. ID Number – customer’s ID number
f. Bank Name – leave it for your customer to choose
g. Individual / Corporate – leave it for your customer to choose
h. Max Amount per Transaction – the maximum amount you want to charge the customer/amount you want to charge the customer
i. Merchant Reference Number – any reference number you want to put
Step 4: Fill out the mandate application (Part II) #
- Fill out the relevant details:
a. Frequency – Monthly (charge monthly). You may also select daily, weekly, quarterly or yearly frequency.
b. Max Frequency – 1 (charge 1 time in a month)
c. Effective Date – 20/05/2023 (collect payment on every 20th)
d. Expiry Date – you may leave it blank if you do not have a date (i.e. if you choose 30/12/2023, the last collection will fall on 20/12/2023)
e. Purpose – purpose of payment
f. Auto Collection – enable it to auto collect every month
g. Auto Retry – enable it to let system auto retry the collection if payment fails
h. Retry Count – 4 (the maximum retry count for system is 4) (i.e. payment failed to collect on 20th, system will retry on 21st, 22nd, 23rd & 24th)
i. Click “Confirm” to generate the mandate link
Step 5: Share the mandate link to your customer #
You will see this screen displayed upon generating the mandate link:
A – right click to save the QR code and share
B – copy the mandate link and share to your customer
C – you can click any icon to share the mandate link to your customer
- Customer clicks the mandate link to fill out the relevant information and click “Proceed”
- There will be a one-time charge of RM 1 (via bank account) for the purpose of account verification and it takes 1 working day to be approved by RHB
- There will be no charge / RM0 charge (via local / foreign cards) for the purpose of account verification and it is instant approval by Visa/Mastercard
- Once it has been approved by the bank then you can start collecting payment from your customers
Step 6: Alter and check the status of your mandate #
Click “Auto Payments“
A – can change the filter to “All“
B* – can click “Share” (if you lost it) /
can click “Terminate” your mandate link
C* – can toggle left the button under “Active” column to stop collecting the payment (inactive)
Direct Debit
- B*: Click Terminate – will permanently terminate the mandate and can’t be activate again. If want to reactivate, your customer needs to authorise mandate again
- C*: Toggle left – will temporarily terminate the mandate but you can always toggle right to activate again. Customer won’t need to authorise mandate again
Auto Debit
- C*: Toggle left – will deactivate the mandate but you can always toggle right to activate again. Customer won’t need to authorise mandate again
Status:
- Pending Authorisation – mandate link created by pending authorisation by your customer
- Approved – mandate link created, authorised by your customer and verification approved by the bank
- Rejected – mandate link created, authorised by your customer but verification rejected by the bank
Step 7: Replace the card-on-file anytime #
During the subscription period, customer can update their card-on-file (debit/credit/foreign) anytime. If your customer wishes to change their payment methods from cards to bank account (or vice versa), you can generate a new mandate to accommodate for this.
- At the Auto Payments dashboard, click on the 3-dots icon > Click “Replace Card-On-File“
- Click “Yes“
- A new link will be generated for your customer to enter the new card details and proceed with authorisation
