Officiating and launching of PaymentXchange were Lim (9th from left), together with pioneering real estate agencies and groups.

PETALING JAYA: PaymentXchange, aimed at protecting buyer deposits, strengthening governance and boosting public confidence in real estate transactions, has been officially launched. Officiated by Deputy Finance Minister Lim Hui Ying, PaymentXchange is Malaysia’s first secure, transparent and compliant property payment platform.

In her address, Lim emphasised the importance of digitalisation, compliance and market integrity. She noted that transparent, well-governed systems are essential to consumer confidence and sustainable growth. 

“By introducing digital infrastructure that records, reconciles and reports transactions in real time, we are embedding trust within the system where records are consistent, data is verified and audit trails are secured.

“We are creating a market environment where both opportunities and responsibilities move together. Transparency becomes a foundation, not an afterthought,” she added. 

Developed by Infomina Geolytik Sdn Bhd (Infomina Geolytik), a subsidiary of Infomina Bhd, with the support of PEPS Ventures Bhd, a wholly owned subsidiary of the Association of Valuers, Appraisers, Estate Agents and Property Consultants in the Private Sector Malaysia (PEPS), the vision of elevating trust for a sustainable property market coincides with national priorities to strengthen the governance and digital adoption for public confidence. 

By connecting property buyers directly with registered real estate agencies, PaymentXchange ensures that deposits flow into verified accounts via Chip Asia, a Bank Negara Malaysia-approved payment gateway. This system provides audit-ready visibility and reconciliation, supporting anti-money laundering (AML), counter-financing of terrorism (CFT) practices and consumer protection standards.

Buyers have the option to expedite their loan process with a single click, as PaymentXchange integrates with ValuationXchange to connect banks and valuers through a traceable, verifiable and standards-aligned platform, enabling faster decision-making and improved transparency for lenders.

The event also featured a panel discussion titled Budget 2026 & Property Market Protection: Safer Deposits, Faster Deals, Stronger Agencies, moderated by Malaysian Institute of Estate Agents (MIEA) past president Chan Ai Cheng. 

Panellists included Malaysian Institute of Property and Facility Managers (MIPFM) president Ishak Ismail, PEPS president Subramaniam Arumugam, MIEA vice president Ethan Leong and Royal Institution of Surveyors Malaysia deputy chair Khaidzir Abdul Rasip. 
The discussion explored how governance, technology adoption and digital payment innovations such as PaymentXchange can help build a safer, more transparent and sustainable property ecosystem.

Subramaniam said: “Just recently ValuationXchange was launched to improve transparency in valuations. PaymentXchange now elevates this further by safeguarding buyers’ earnest deposits and tightening compliance in the transaction flow. Together, these platforms are a game-changer for integrity in Malaysia’s property market.”

Infomina Geolytik executive director Gideon Liau also noted that our objective is simple. It’s to make every step of the transaction clearer, safer and faster. 

PaymentXchange is empowering homebuyers to transact with confidence in a secure, transparent environment. PaymentXchange delivers deposit security through a Bank Negara Malaysia-approved payment gateway and when buyers choose, it seamlessly integrates with ValuationXchange so banks and valuers can work with verified, audit-ready information,” he said.

Adding to this, Informina chief executive officer Yee Chee Meng said: “PaymentXchange builds on Infomina’s banking-grade technology expertise and proven track record in delivering mission-critical digital infrastructure across industries. By extending this to the property sector, we are enabling a more streamlined, data-driven and transparent approach to property financing. 

Hosted at Tropicana Golf & Country Resort, the event brought together leaders from the real estate agencies, banking, valuation and legal sectors.

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