Built for Malaysia · LHDN MyInvois ready

Every purchase. Verified. Before payment.

KunciPay is the operating system Malaysian SMEs use to control procurement spend, run daily operations, and close the books without paper, WhatsApp receipts, or surprises at month-end.

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PBM approvalReview

Warehouse receivingReady

Accounting postingReady

SHA-256 evidenceReady

The problem

By the time you see the bills, the damage is already done.

Procurement fraud in Malaysian SMEs does not look dramatic. It looks like fuel at the wrong station, materials bought across sites, and invoices that do not match delivery evidence.

Invisible spending

Contractors and drivers spend first. Finance sees the damage weeks later.

RM-thousands per month

Paper approvals

WhatsApp photos and handwritten delivery orders cannot prove who approved what.

No audit trail

Month-end cleanup

Accountants chase receipts, match bank lines, and rebuild the story by hand.

~3 days/month lost

60-second explainer

See the leak, the block, and the audit trail in one flow.

A field purchase starts on mobile, PBM blocks risky spend before payment, ERP captures the operating evidence, and Accounting receives a clean posting record.

PBMERPAccountingSHA-256

From request to clean books

PBM

Rules

Real-time risk controls catch suspicious redemptions before settlement.

ERP

ERP is the operating layer of KunciPay's PBM, accounting, and compliance platform: industry setup, warehouse, scanning, shipping, POS bridge, supplier workflow, approvals, and evidence.

Accounting

Run PBM-native accounting with ERP operations and compliance evidence: sales, purchase, GL, AP/AR, inventory, cashbook, tax, payroll, reports, and connectors.

Trusted by SMEs across construction, logistics, F&B and retail

99%

99% Auto-Approved

SHA-256

LHDN

LHDN Compliant

CSV

AutoCount / SQL Accounting

Customers

Built with Malaysian SMEs, by people who have lived the problem.

"Before KunciPay, I was paying RM 8,000 a month in invoices I could not explain."

Lim Teik Soon

Director · BinaJaya Construction SB

Auto-approved transactions on the average fleet account, after week 2

99%

Average reduction in monthly procurement leakage, first 3 months of using PBM

-42%

Pricing

Start free. Upgrade only when KunciPay is running real operations.

Starter

RM 0

For pilots and micro teams that need a zero-risk way to try PBM.

✓ Limited transactions · PBM rules · manual exports · capped AI

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Growth

RM 199

The main SME plan for daily PBM + ERP + Accounting operations.

✓ Up to 25 internal users · e-Invoice ready pack · CSV export · AI allowance

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Pro

RM 499

For multi-branch, project-heavy companies and API-led operations.

✓ Branches · project accounting · more approvals · API keys · higher AI limits

Start free trial

Enterprise

RM 1,500+

For developers, fleets and integration-heavy groups.

✓ Custom onboarding · SLA · provider integrations · advanced API support

Start free trial

Stop watching the money leave. Start verifying every ringgit.

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