MyInvois-format export ready Β· live submission not available

Procurement spend.
Verified. Before payment.

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

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Today's spend

RM 4,210

Approved

23

Blocked

2

Recent transactions

Petronas NKVE

RM 180

APPROVED

Buildmart Shah Alam

RM 3,200

APPROVED

Unknown Supplier

RM 830

BLOCKED

Grab Business

RM 92

REVIEW

SHA-256 hash chain Β· alterations detected on verification

Built for SMEs across construction, logistics, F&B and retail

πŸ— ConstructionπŸš› Logistics🍽 F&BπŸͺ 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 targets these patterns β€” before the payment leaves your account.

01

Invisible spending

Your contractors buy materials at multiple sites. You see the bills after the fact. By then, the damage is done.

02

Paper-based approvals

WhatsApp photos of receipts. Handwritten delivery orders. Often no straightforward way to verify if goods actually arrived where they should.

Audit trail often missing

03

Reconciliation every month

Days every month, your accountant matches receipts to bank statements. Mismatches pile up. Tracing them back is slow.

One platform, three systems

PBM, ERP, and Accounting β€” 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.

PBM

Payment Before Management

The risk engine. Purchases routed through PBM are checked against your rules before money moves.

  • Supplier whitelist Β· per-use & daily limits
  • GPS geofencing + time windows
  • QR voucher flow for field staff
  • Manager approval queue with SLA timer
ERP

Industry ERP

Daily operations: projects, suppliers, warehouses, fleet, scanning β€” by industry template.

  • Construction, logistics, F&B, retail templates
  • Project / cost-centre + approval matrix
  • Warehouse, inventory, goods receiving
  • POS bridge + barcode scanning
Accounting

Accounting workspace

Clean books, automatically. Designed for Malaysian accountants.

  • Sales Β· Purchase Β· GL Β· AP Β· AR Β· Cashbook
  • SST reporting and tax code management
  • P&L, balance sheet, trial balance

How it works

From purchase request to clean books β€” in a single workflow.

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 β€” or hits request on the mobile app.

STEP 02

Verify

PBM engine checks against your rules: supplier, amount, item, location, time. Decision is instant.

STEP 03

Approve

Auto-approved, sent for review, or blocked. Owner is notified when attention is needed.

STEP 04

Record

SHA-256 hash chain. Every posted GL entry is linked; alterations break the chain and are detected during verification.

Platform trust

Built on principles accountants and auditors can verify.

SHA-256 tamper-evident hash chain

SHA-256 hash chain β€” every entry linked; any alteration breaks the chain and is detected on verification.

MyInvois-format export ready Β· live submission not available

Export files use the supported MyInvois format. Direct submission to LHDN is not connected and remains unavailable.

Plans

Simple, transparent pricing

All plans include PBM controls, accounting workspace, and the GL audit chain. Founding pilot: up to 5 client companies + 50 evidence packs/month.

Starter

Free

1 company, self-use. Core accounting, PBM spend-purpose capture, and the GL audit chain.

Request early access
β˜… Most popular

Founding Pilot

RM 199/ month

Up to 5 managed client companies + 50 evidence packs/month. Full feature set: packages, pricing rules, project accounting, document templates. Overrun: contact sales.

Request early access

KunciPay does not currently hold, transfer, or settle customer funds. Provider-dependent services are not represented as live.

FAQ

Common questions

What's the difference between PBM, ERP, and Accounting?+
PBM (Payment Before Management) is the risk engine β€” it decides whether a purchase is allowed, before payment happens. ERP is the operational layer β€” projects, suppliers, warehouses, fleet. Accounting is the financial layer β€” 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 a 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 a replacement for my existing accounting software?+
Today, it's a complement. KunciPay captures why each payment was made β€” business purpose, approvals, evidence β€” so your accountant gets clean, deductible-ready data. They continue using their preferred accounting software.
How does the audit trail reveal alterations?+
Every posted GL entry includes the previous entry's SHA-256 hash. Any alteration breaks the chain and is detected when the auditor workspace verifies it. The chain is tamper-evident, not externally anchored.
Is LHDN MyInvois e-Invoice included?+
KunciPay generates MyInvois-format exports for your review. Direct submission to LHDN is not connected. We do not have live provider access at this time.
How long does setup take?+
Add your suppliers, configure your first spend rule, and you're ready. Contact us to discuss onboarding support.

Stop watching the money leave. Start controlling procurement spend.

Tell us about your business and we'll show you how it works.

Request early access

Built & supported from Kuala Lumpur