01
Invisible spending
Your contractors buy materials across 20 sites. You only see the bills weeks later. By then, the damage is done.
RM-thousands per month, on averageBuilt for Malaysia · LHDN MyInvois readyEvery purchase.
Every purchase.
Verified. Before payment.
A shared operating system for Malaysian SMEs to approve spend, record operational evidence, and maintain accounting records in one workflow.
✓ No credit card✓ Cancel anytime
Today's spend
RM 4,210
Approved
23
Blocked
2
Recent transactions
Petronas NKVE
RM 180
Buildmart Shah Alam
RM 3,200
Unknown Supplier
RM 830
Grab Business
RM 92
SHA-256 hash chain · every entry locked
Built for SMEs across construction, logistics, F&B and retail
🏗 Construction🚛 Logistics🍽 F&B🏪 Retail
The problem
By the time you see the bills, the damage is already done.
Procurement fraud in Malaysian SMEs doesn't look dramatic. It looks like a wrong invoice, an unauthorised station, an inflated delivery order. KunciPay catches all three — before the payment leaves your account.
02
Paper-based approvals
WhatsApp photos of receipts. Handwritten delivery orders. No way to verify if goods actually arrived where they should.
No audit trail03
Reconciliation every month
Days every month, your accountant matches receipts to bank statements. Half don't match. Nobody knows who to ask.
~3 days/month lostOne platform, three systems
PBM, ERP, and Accounting — sharing one login, never stepping on each other.
Most platforms make you choose. KunciPay gives your team the right tool for the job, in the right workspace, with the right permissions.
Payment Before Management
The risk engine. Every purchase gets checked against your rules before money moves.
- Supplier whitelist · per-use & daily limits
- GPS geofencing + time windows
- QR voucher flow for field staff
- Manager approval queue with SLA timer
Industry ERP
Daily operations: projects, suppliers, warehouses, fleet, scanning — by industry template.
- Construction, logistics, F&B, retail templates
- Project / cost-centre + approval matrix
- Warehouse, inventory, goods receiving
- POS bridge + barcode scanning
Accounting workspace
Clean books, automatically. Built for AutoCount / SQL accountants.
- Sales · Purchase · GL · AP · AR · Cashbook
- SST + LHDN MyInvois e-Invoice payload
- CSV export to AutoCount, SQL, Xero
- P&L, balance sheet, trial balance
How it works
From purchase request to clean books — in under 60 seconds.
No app for your suppliers to install. No new accounting system for your finance team to learn.
→
STEP 01
Submit
Driver, site worker or contractor scans a voucher QR — or hits request on the mobile app.
→
STEP 02
Verify
PBM engine checks against your rules: supplier, amount, item, location, time. Decision in under 1 second.
→
STEP 03
Approve
Auto-approved, sent for review, or blocked. Owner gets notified only on things that need attention.
STEP 04
Record
SHA-256 hash chain. Auto-journal into accounting. e-Invoice payload to LHDN.
Platform trust
Built on principles Malaysian auditors and accountants recognise.
SHA-256 tamper-proof audit chain
Every approved transaction is locked into a hash chain. A single altered row breaks the chain — verifiable in one click by any auditor.
LHDN MyInvois e-Invoice payloads
We generate UBL 2.1 e-Invoice payloads compliant with the LHDN MyInvois schema, ready for submission.
AutoCount, SQL, Xero CSV exports
Your accountant keeps using the software they know. KunciPay delivers clean, matched data — no re-entry.
Plans
Plans without published pricing
Commercial pricing has not been finalised. The product currently uses three capability levels.
Starter
Core accounting, PBM controls, and the GL audit chain.
Start 14-day free trialGrowth
Operational configuration including packages, pricing, projects, and document templates.
Start 14-day free trialEnterprise
Custom reports, BI dashboards, and advanced configuration.
Contact salesKunciPay does not currently hold, transfer, or settle customer funds. Provider-dependent services are not represented as live.
FAQ
Questions we get every week.
What's the difference between PBM, ERP, and Accounting?+
PBM (Payment Before Management) is the risk engine — it decides whether a purchase is allowed, before payment happens. ERP is the operational layer — projects, suppliers, warehouses, fleet. Accounting is the financial layer — journals, GL, e-Invoice, exports. They share one login, but each role only sees the workspace they need.
Do my suppliers need to install anything?+
No. Suppliers and cashiers use any smartphone browser. They scan the driver's QR on screen, type the amount, and the system answers approved / review / blocked. No app store, no training.
Is this an alternative to AutoCount or SQL Accounting?+
Today, it's a complement. KunciPay handles the front-end control and clean data. Your accountant continues using AutoCount, SQL Accounting, QNE, Xero, or Bukku — and we deliver the CSV export they expect.
How is the audit trail tamper-proof?+
Every transaction is locked into a SHA-256 hash chain. Each new transaction's hash includes the previous one — so a single tampered row breaks the chain. The auditor workspace verifies the whole chain in one click.
Are you LHDN MyInvois ready?+
Yes. We generate UBL 2.1 e-Invoice payloads compliant with the LHDN MyInvois schema. You can download the payload and submit manually, or we run the submission for Enterprise customers.
How long does setup take?+
Most companies are live within one business day. Add your suppliers, write your first rule, and you're ready. We offer onboarding calls on Growth and Enterprise plans.
Stop watching the money leave. Start verifying every ringgit.
Start a 14-day trial. We'll set you up in one call.
Start 14-day free trialNo credit card · Cancel anytime · Built & supported from Kuala Lumpur