Got a Question?

General

1. What is Let’s Pay?

Let’s Pay is a payment platform that allows users 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 Let’s Pay?

  • Personal – Download Let’s Pay app from App store & Play store and sign up for an account at a free cost.
  • Business – Register an account via www.letspay.com.my at a free cost.

3. What device can I use for Let’s Pay?

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 Let’s Pay 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 Let’s Pay is made available on new Huawei devices.

Read more from Google here: https://support.google.com/android/thread/29434011?hl=en

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 Let’s Pay?

  • 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 Let’s Pay works?

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

8. What are the benefits of using Let’s Pay?

  • 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 2 working days

9. Is there a fee to use Let’s Pay service?

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

Service Charge 3.00% (Credit Card, Debit Card, FPX)
Personal - Processing Fee 1.00% of transaction amount or RM15 per transaction, whichever is higher unless otherwise stated
Business - Processing Fee 1.00% of transaction amount or RM15 per record, whichever is higher
Refund Fee RM10

10. Is Let’s Pay secured?

All transaction information and data in Let’s Pay 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 Let’s Pay?

We accept all local Master & VISA cards.

12. Does Let’s Pay allow cash out?

Let’s Pay does not offer users an option to transfer money to their current and saving account for cash out purpose.

13. How can I delete my account (iOS & Android)?

You can delete your account by submitting an in-app request.

To initiate an account deletion request in the Let’s Pay app, please follow the steps below:

Step 1 : Sign in to your Let’s Pay account

Step 2 : Tap on “Account”

Step 3 : Tap on “Close Account”

Step 4 : Enter your password

Step 5 : Tap on "Close"

If you require our assistance with the deletion of your Let’s Pay account, please reach out to us at support@letspay.com.my.

Payment Process

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

All payments will be processed in 2 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 2 working days. After your payment has been accepted by the financial institution, the status in the Let’s Pay app will be changed from “Processing” to “Successful”.

3. Is there a maximum amount for each transaction?

No, there is no transaction limit.

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. Let’s Pay 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 RM20.

*For koperasi -membership minimum amount per transaction is RM30, Koperasi Loan-Minimum amount per transaction is RM50.

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 Let’s Pay 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 Let’s Pay 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.