How FPX payment works on SPEEDHOME
SPEEDHOME collects rent via FPX (Financial Process Exchange), Malaysia's interbank online payment network. Tenants pay through the SPEEDHOME app or portal; the payment is debited directly from your bank account and settled to the landlord according to the plan's payout schedule — no cheques, no cash handovers.
FPX is the same rail used by most Malaysian online banking portals, so if you can pay your TNB or JPJ bills online, your bank almost certainly supports FPX. Payment is initiated in-app — SPEEDHOME generates the rent invoice, you authorise the debit through your bank's online banking interface, and the transaction is confirmed in real time. For the full step-by-step on how to pay your monthly rental, including what the in-app dashboard shows before and after payment, see the dedicated walkthrough.
Most in-app FPX rent payments on SPEEDHOME clear within minutes of authorisation; failed first attempts are most often insufficient funds or bank session timeouts, not a system issue.
The SPEEDHOME FPX flow covers:
- Monthly rent collection — invoiced automatically; you receive a notification before the due date.
- Utility and deposit payments (where applicable) — same rail, same in-app flow.
- Zero Deposit fee — if your unit uses Zero Deposit, any applicable fees are collected the same way.
In the app, the sequence is straightforward: an invoice appears in your dashboard before the due date; tap Pay now and the SPEEDHOME app redirects you to your bank's online banking page; authorise the debit; the app returns to a Payment Successful screen showing the reference number and settlement date. On Protect and Protect+ plans, that confirmation is what triggers landlord payout on the plan's schedule; on Standard, the landlord receives the rent only after SPEEDHOME confirms collection. If anything looks off — a stuck spinner, a missing debit, a status still showing "Pending" — the next section covers what to do.
For a wider walkthrough of the tenant experience beyond payments, see How SPEEDHOME works for tenants.
Which banks support FPX on SPEEDHOME?
FPX in Malaysia covers all major retail banks. The FPX network includes Maybank, CIMB, Public Bank, RHB, Hong Leong Bank, AmBank, Bank Islam, Bank Rakyat, Alliance Bank, Affin Bank, and others. Your bank's participation is shown in the payment screen at the time you pay.
FPX bank availability is governed by Payments Network Malaysia Sdn Bhd (PayNet), which operates the FPX network — not by SPEEDHOME. If your bank is not listed at checkout, check whether you have online banking activated with your bank, or use a secondary account at a supported bank. Debit cards on the Visa/Mastercard network are handled separately and may appear as an alternative at checkout.
| Payment method | How it works | Requires |
|---|---|---|
| FPX (online banking) | Debit direct from your bank account in real time | Online banking activated with a PayNet-member bank |
| Debit/credit card | Card-on-file or one-time entry | Visa or Mastercard; subject to availability at checkout |
| Cash / cheque | Not accepted | — |
What happens if my FPX payment fails?
A failed FPX transaction is not automatically retried. You will receive an in-app notification and email; you must re-initiate payment through the SPEEDHOME portal or app. A payment is only confirmed when the in-app status shows "Payment Successful."
Common reasons for FPX failure:
- Insufficient funds at the time of debit.
- Online banking session timed out before you authorised the payment.
- Your bank's daily transaction limit was exceeded.
- Internet interruption between authorisation and settlement.
If the status shows "Pending" for more than 30 minutes, check your bank account for a debit. If the debit occurred but SPEEDHOME does not show "Payment Successful," contact SPEEDHOME support with the bank transaction reference number — this lets the team reconcile the payment manually without requiring you to pay again.
Landlords: a failed tenant payment does not automatically trigger any protection claim. The Protect and Protect+ plans cover confirmed rental default — not a one-off technical failure. If the tenant's payment genuinely cannot be completed after repeated attempts, contact SPEEDHOME to flag it through the standard rental-recovery process.
When does rent reach the landlord?
Payout timing depends on your landlord plan. Protect+ disburses on the rent due date. Protect disburses within 10 days of the due date (or within 3 business days after the tenant's FPX payment clears, whichever comes first). Standard plan landlords receive rent after SPEEDHOME confirms collection.
| Plan | Payout timing |
|---|---|
| Protect+ | On the rent due date — SPEEDHOME absorbs the float risk |
| Protect | Within 10 days of due date; or 3 business days after tenant pays (whichever is first) |
| Standard | After tenant payment is confirmed collected |
This payout structure is the core reason Protect and Protect+ exist — landlords on those plans are insulated from timing gaps between when the tenant pays and when the bank settles. On Standard, your rent receipt depends on the tenant completing the FPX step on time.
For details on what each plan covers beyond payout timing, see the SPEEDHOME landlord plans guide.
Frequently asked questions
Can I pay rent by bank transfer directly to the landlord?
No. All rent on SPEEDHOME flows through the SPEEDHOME platform via FPX or card. Direct bank transfers to the landlord are outside the platform and do not count as rent paid — they will not update your payment status and will not trigger landlord disbursement. Platform-only payment also creates the in-app payment record SPEEDHOME relies on for dispute evidence, strata or insurance documentation, and Protect-plan payout timing.
My bank showed a debit but SPEEDHOME still says "Unpaid" — what do I do?
Screenshot your bank statement showing the transaction date, amount, and reference number, then submit it to SPEEDHOME support via in-app chat (or call +603 2780 3802). The team can cross-reference the FPX transaction reference against PayNet records and update your status without requiring a second payment. Do not attempt to pay again until the first transaction is either confirmed or refunded.
Is there a convenience fee or transaction fee for FPX?
SPEEDHOME's tenant invoice shows any fees on the payment screen before you confirm; if no fee line appears, the FPX debit equals the rent amount. Any surcharge your bank adds on its own side is governed by your bank's schedule, not by SPEEDHOME.
Can a landlord on SPEEDHOME request cash or cheque instead of FPX?
SPEEDHOME's platform rent collection is digital-only. If a landlord requests cash or cheque outside the app, treat it as a red flag — it removes the in-app payment record that protects both sides. If you are unsure whether a payment request is genuine, call SPEEDHOME at +603 2780 3802 or WhatsApp +6018 777 7650 before paying anything outside the platform.
Where can I find my FPX payment receipts?
Open the SPEEDHOME app, go to Payment History, tap the transaction you need, and use Download receipt to export a PDF. The PDF includes the invoice number, bank reference, and settlement date, which is what your employer or embassy usually asks for when you need to prove rent payment. Receipts stay available for the life of your SPEEDHOME account and tenancy.
What if I miss the rent due date?
Log in and complete the FPX payment as soon as possible. SPEEDHOME will notify both you and the landlord of an overdue status. Persistent non-payment — not a single technical failure — is what escalates to the landlord-plan recovery process. Contact SPEEDHOME support if you anticipate a genuine payment difficulty; the earlier you raise it, the more options are available.
Related help pages
- SPEEDHOME landlord plans — Standard, Protect, Protect+
- How SPEEDHOME works for tenants