CARDit is a payment service that allows users to pay for business related cash transactions through credit card. Examples include property expenses and invoices such as purchase of good and services as well as professional services.

The recipient does not need to have an account with CARDit.

CARDit only accepts and processes transactions that are made within Malaysia in Ringgit Malaysia (MYR).

GHL Cardpay Sdn Bhd – User Name will be stated in the recipient's bank account statement.

As per regulatory requirements, we need to know who you are. This helps to keep your money safe and steer clear of fraudulent transactions. All users are required to submit a picture of their NRIC or passport (front, back, and a selfie of themselves). However, business users will require to submit Form 9 & 49.

CARDit will transfer the payment directly into the recipient's bank account on the date you have pre-selected. The payment will be cleared within five (5) working days after the transaction is made.

To ensure that the transaction made is legit, we will need valid supporting documents for further reference and clarification. CARDit will verify the supporting documents with complete information of the transaction such as Recipient Name, Recipient's bank account number, bank details, transaction amount, and so on.

You can start making payments with CARDit once your EKYC has been approved through our system.

No, it will not. CARDit will only store user's personal details such as name, phone number, emails, and supporting documents provided.

Yes, there is. Users will need to have a valid local credit card as transactions are submitted with supporting documents. There is also a list of prohibited transactions which you can refer to under the terms and conditions.

Yes, they can. A business account is for users to make payments on behalf of the registered company

Yes, you can if your name is printed on your company's SSM documentations as one of the Board of Directors. If you are not on the list of Directors, CARDit will provide you with an Authorisation Template for you to fill up along with a Company Stamp. This document will need to be attached with the SSM document during the EKYC submission. You can always contact our Customer Care team for further assistance.

No, this will not be necessary.

No, CARDit only accepts a valid and active Malaysian contact number.

The refund will net off the transaction fee and will be made within 21 working days.

CARDit requires all customers to verify their identities as it will help to keep your account safe and protected against money laundering activities.

1. OTP authentication may fail if you have requested for more than one OTP.
2. b)Use the OTP in the latest SMS received and try again. If you are still unable to authenticate with the OTP received, kindly contact Customer Care at 603-29385229/hdesk@ghl.com for assistance. Do share a screenshot of the error.
3. Make sure that you did not enter a ZERO "0" at the front of your mobile number. E.G +60 – 123456789.

The account will be activated once registration is completed. However, if there are any irregularities, CARDit reserves the right to deactivate the account.

Every user can only register one (1) mobile number. To change your mobile number, please contact Customer Care at 603-29385229/hdesk@ghl.com.

Visit www.carditbyGHL.com and follow the sign-up instructions given. The info that you need to provide for account creation is a valid email address and mobile phone number.

When this happens, you may have keyed in the TAC number more than once or you may have entered a previous TAC number instead of using the latest one. You can take a short break, and redo it later. If the problem still persists, please contact our Customer Care at 603-29385229/hdesk@ghl.com.

We are truly sorry if our services do not fulfil your needs. Please contact Customer Care at 603-29385229/hdesk@ghl.com for further assistance.

You can contact Customer Care at 603-29385229/hdesk@ghl.com.

Currently, only English is available.

No, you cannot. We are using your email as a unique login username for your CARDit account. It can be either for personal or business, not both.

Your payment maybe have failed or declined due to reaching your maximum credit card limit, your credit card has expired, or has been barred. Please contact your credit card issuer to check the status of your card.

Minimum transaction that can be transferred using CARDit is RM100.

No refunds will be provided for transactions made via CARDit. The refund will only be provided if there is any suspicious activity such as fraud. For more clarification about refund, contact Customer Care at 603-29385229/hdesk@ghl.com.

Once you have performed a transaction through CARDit, no changes can be done from the user's end. Please contact Customer Care at 603-29385229/hdesk@ghl.com and provide the supporting information such as the correct Bank Account Number or Bank Name to rectify the issue.

This could be due to several reasons such as:

1. Invalid/insufficient supporting document
2. Your recipient in the sanction list/high-risk profile

Need help? Contact Customer Care at 603-29385229/hdesk@ghl.com.

Both invoices are accepted on the CARDit portal. However, handwritten invoices must come with a printed invoice template. Both of the invoices must have clear information such as recipient name, bank details, date, etc.

1. Property rental
2. Payment for services
3. Payment for purchase of goods & services
4. Collection from buyers for goods & services
5. Payment for staff payroll (Coming soon)

No, you cannot. Currently, CARDit payment transactions can only be made within Malaysia.

The maximum limit is RM30,000 per transaction. However, it is also subject to the cardholder's limit at the time the transaction is made.

The payment will be processed within T+5 working days. The cut off time for "T" is 6.00pm of any working day. Any transaction made later than 6.00pm on a working day, will be processed during next working day.

You will be notified with email, and the payment status will be displayed at the "Payment History" section of the CARDit portal.

CARDit supports all Visa and Mastercard credit cards that are issued in Malaysia.

Creating an account with CARDit is free of charge. When performing a transaction through CARDit to the payee, CARDit will charge your credit card with a one-time Transaction Fee of 2.50% on the principle amount (i.e. the amount you want to pay your recipient).

Yes, you can, provided that you have attached the letter of authorisation with the user's name and company stamp that you are paying on behalf of.

All transactions made cannot be cancelled.

This could be due to several reasons such as:

1. Credit card issue – expiry, exceeding credit limit, wrong expiration date, keyed in wrong OTP code
2. Connection issue – poor connection or time out

Yes, your payment can be scheduled and set for recurring payment. The system will send an email reminder to you to make the payment, and you will need to login to make the payment as per the scheduled date you have set.

1. Scheduled payment is a one-time occurring payment on a future date.
2. A recurring payment is a recurrence payment set by you, e.g. Weekly/Monthly basis.

1. Schedule payment - Yes, when the schedule up, CARDit will automatically charge the credit card and give you a notification upon successful charge.
2. Recurring payment – Yes, provided you have tokenised your card to our system. Only applies for subsequent recurring payment.