What is Automatic Credit Reload?

What is Automatic Credit Reload?

It's important to note that we do not charge the fees from the sales, but rather from the credit balance. If you opt not to manually reload your credit balance, our system will automatically trigger an auto-reload process.

Auto-reload refers to credit reloaded automatically by the system via deduction from the daily total collection to offset any negative credit balance (in multiples of RM100).

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For example:

(1) Sufficient credit balance:

  • Billplz Credit Balance: RM10.00
  • Customer A made a payment on your website in the amount of RM200.00, today (18/06/2025).
  • Billplz will deduct the FPX fee (RM1.10 per paid transaction) from your Billplz Credit Balance. (RM10.00-RM1.10 = RM8.90)
  • The payout will settle automatically to your bank account in the next business day (19/06/2025) in the full amount of RM200.00.

(2) Automatic credit-reload:

  • Billplz Credit Balance: -RM1.10
  • Let's say you only receive 1 transaction today with a total amount of RM10.80.
  • Billplz will deduct the FPX fee from your Billplz Credit Balance. However, due to a negative balance, auto-reload will occur.
  • Due to the total daily collection received being less than RM100, we've transferred the full amount of RM10.80 to your credit balance. It will be used for the next FPX deduction fees.
  • In this case, no payout will be transferred to your account.

(3) Automatic credit-reload:

  • Billplz Credit Balance: -RM50.00
  • Let's say you receive 10 transactions today with a total amount of RM1,000.00
  • Billplz will deduct the FPX fee from your Billplz Credit Balance.
  • RM100 - RM50 = RM50.00 (this amount will reflect in your credit balance, and it can cover up to 45 transactions)
  • Payout to be transferred: RM800.00

(4) Automatic credit-reload:

  • Billplz Credit Balance: -RM150.00
  • Let's say you receive 10 transactions today with a total amount of RM2,000.00
  • Billplz will deduct the FPX fee from your Billplz Credit Balance.
  • RM200 - RM150 = RM50.00 (this amount will reflect in your credit balance, and it can cover up to 45 transactions)
  • Payout to be transferred: RM1800.00

*Rest assured that, as long as you have a sufficient amount in your credit balance, no auto reload will occur.

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