🛍️ Seller Programme
Accept Online Payments — Direct to Your Bank Islam Account
The Seller Programme by ZenPay is built for merchants who want direct, fast, and secure payment collections via FPX (Financial Process Exchange). All payments from your customers are deposited directly into your Bank Islam account, with no holding by ZenPay. This programme is ideal for businesses that prioritize financial autonomy and compliance with their own banking framework.
⚙️ How It Works
Customer selects FPX payment on your online store.
They choose their preferred bank and complete the transaction.
The money is instantly transferred to your Bank Islam account via FPX.
Bank Islam charges the merchant fee (MDR) automatically.
You manage your own reconciliation — ZenPay is your bridge, not your wallet.
💸 Merchant Discount Rates (MDR)
The transaction fees are directly handled by Bank Islam and determined by the merchant category:
| Merchant Type | FPX Transaction Fee (MDR) |
|---|---|
| Government Entities | RM0.50 per transaction |
| Non-Government | RM1.00 per transaction |
💡 No hidden fees. All rates are fixed by Bank Islam under PayNet guidelines.
✅ Requirements to Join
To activate the Seller Programme, merchants must fulfill the following:
🏦 Hold an active Bank Islam business account
🆔 Register for a Seller ID from PayNet
🧾 Sign up for a ZenPay merchant account
We’ll guide you step-by-step with documentation and setup assistance.
🎯 Who Is This For?
Government bodies collecting public payments
Educational institutions, town councils, ministries
SMEs already banking with Bank Islam
Corporates looking for bank-led reconciliation
🔒 Why Choose ZenPay’s Seller Programme?
Direct-to-bank payments — No delays, no intermediaries
Transparent transaction fee structure from Bank Islam
Fully compliant with PayNet and Bank Negara Malaysia
Hosted FPX payment page and secure checkout via ZenPay
99.99% uptime with enterprise-grade infrastructure