Use your credit card to pay your biggest expenses including rent, salaries and invoices to earn credit card points and rewards like never before, while improving your cashflow.
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Is ipaymy legit?
ipaymy (ipaymy.com) has a 4.1 out of 5 rating on OK.one, based on 377 user reviews collected here. It is listed under Business Services and its reputation is good. 75% of reviews are 4 stars or higher and 8% are 1 star; The business has replied to 93% of negative reviews; 27 of them were added in the last 12 months. Last updated 2026-10-24.
Great partner. Been collaborating them for payment matters. Keep up the good work.
Reply from ipaymy2024-04-03
Hi Bryan,
Thank you so much for the encouragement! Our team is more than delighted to hear your kind words.
Thank once again for your support, and we're excited about the opportunity to better enhance our service for our users in the future!
Good to pay bills and earn rewards points or rebates.
Reply from ipaymy2024-04-03
Hi Bo, thank you for your kind comments! We are delighted that you are enjoying our platform and also the rewards provided by our platform!
Our team is dedicated to providing a smooth experience while navigating our platform. Thank you for your kind feedback, our team will strive to do our best!
Hi Kok Tong, thank you for taking the time to share your feedback! We're thrilled to hear that you found our platform easy to use.
We strive to create a user-friendly experience, and it's rewarding to know that we've achieved that for you. We appreciate your support and look forward to serving you even better in the future.
Great service and very easy to use. Will recommend always
Reply from ipaymy2024-03-07
Hi Steve, thank you so much for your kind words! We're delighted to hear that you had a great experience with our service and found it very easy to use. Your recommendation means a lot to us, and we appreciate your trust in our product.
Seamless and easy setup. Transaction was smooth without any glitches.
Reply from ipaymy2024-03-07
Hi there, thank you so much for taking the time to share your positive experience with our product! We're thrilled to hear that the setup was seamless and easy for you and that the transaction went smoothly without any glitches.
At ipaymy, we strive to provide a hassle-free and user-friendly experience, and it's always rewarding to receive feedback that reflects our commitment to customer satisfaction. If you have any further feedback or suggestions, please feel free to share them with us. We value your input and are here to ensure your continued satisfaction.
Scam company, stay away.
They verified my account, and then allowed me to collect payments from my customers.
Then they suspended my account asking for verification, giving me a big list of documents which I don’t have most of it.
End of story, they don’t want to payout to you.
STAY AWAY, SEARCH MORE TO FIND A REPUTABLE COMPANY. DO NOT SIGNUP FOR DODGY COMPANIES LIKE IPAYMY
Reply from ipaymy2024-02-28
Hi there, thank you for sharing your feedback and we appreciate the opportunity to address your concerns. As a licensed financial institution and payment service provider, we are bound by stringent Know Your Customer (KYC) and Anti-Money Laundering (AML)/Countering the Financing of Terrorism (CFT) regulations. These measures are in place to safeguard our clients’ funds and prevent abuse of the financial system.
Upon registering with ipaymy, you agreed to our Terms and Conditions, which outline the necessity of such cases where we may require additional information regarding your business and/or payment activities. We understand that providing these documents may seem burdensome, but they are crucial for compliance purposes.
Our records indicate that after your initial transaction, we reached out to you multiple times via email and phone between February 16th and February 21st to request the necessary information. The requested information consists of 4 of our standard documentation ranging from personal ID to the confirmation of bank account ownership which are required for identity verification. Unfortunately, we did not receive a response despite our efforts to communicate transparently about the next steps should we not receive the requested information. As a result, we were regrettably obliged to return the funds to you on February 26th.
We want to emphasize that ipaymy has not withheld any funds deliberately and we regularly process thousands of payments on behalf of our clients. Our priority is to fulfill our service obligations to all clients while upholding regulatory standards.
Please note, that your account has been temporarily suspended pending the provision of the requested documents, and we are committed to assisting you through this process.
Should you require any further assistance or clarification, please don’t hesitate to reach out to us at [email protected]. We are here to help and ensure a smooth resolution to any outstanding issues.
no advance notice that new minimum transaction fee and safeguarding fee have been implemented
email mentioned effective 1 Mar 2024, but failed to mention the new fees are effective immediately for new payments
the 1 Mar 2024 is misleading .. what is the point of sending that email
very poor execution .. better to switch to other payment providers
Reply from ipaymy2024-02-28
Hi BC, thank you for taking the time to share your feedback with us. We sincerely apologize for any confusion or inconvenience caused by the recent changes to our fee structure.
It was not our intention to mislead our users in any way, and we understand your frustration. The email was intended to provide advanced notification that a minimum transaction fee and fund safeguarding feature would go into effect for existing scheduled payments on 1 March. This communication was specifically sent to users who had applicable scheduled payments from 1 March onwards. We can appreciate that this may not have been clear regarding how newly created payments before that date would have been affected.
Our intention in providing advanced notice for scheduled payments was to ensure there were no surprises during payment reconciliation.
To maintain transparency of our services and pricing structure, all relevant fees are itemized with corresponding tooltips on the checkout page, providing users with detailed information before confirming their transactions.
Should you have any further questions about these updates, please do not hesitate to reach out to us via [email protected].
No or very slow response for help. Difficult to use for first time user.
Reply from ipaymy2024-02-14
Hi Fransiska, thank you for taking the time to write this review and feedback. We strive to have a 100% response rate at ipaymy and were disappointed to hear about your experience so we conducted a further investigation.
Our team received your most recent query on 29th January 2024 and responded on the same day but unfortunately did not hear back. Perhaps our response has ended up in your Spam folder, when you do have a spare minute could you kindly check? We do want to make sure our messages are being received.
If for some reason you aren't getting the response you need please note you can also reach us on our live chat or WhatsApp us at +6589502214. Our team is standing by and always happy to help.
Cannot send money to accounts which are virtual accts .. eg some companies have invoices which are payable to virtual acct but ipaymy doesn’t support which is kinda disappointing
Reply from ipaymy2024-02-28
Hi Kevin, thank you for your review and feedback on the acceptance of virtual accounts. We tried to reach out to you separately to further understand which virtual account you are looking to make a payment to but unfortunately haven't heard back.
ipaymy is able to pay to virtually any bank that accepts bank transfer from our corresponding banks. We do support payments to certain virtual accounts such as TrustBank as bank transfer is an accepted mode of transfer. We will continue to expand this list as virtual bands incorporate bank transfers as a mode of accepting payments.
We will try to follow up again and see what we can do to support your payment needs. You can also reach us on our live chat or at [email protected] should you have a question about our payment capabilities.
Thank you Cheng Leong for your 5* review! It's always rewarding to hear that our efforts to provide excellent service are making a positive impact on our customers.
Promo code cheaper than CardUp but user interface can be improved.
Reply from ipaymy2024-02-13
Hi Keith, thank you for taking the time for your review! We genuinely appreciate your feedback, and we're pleased to hear that you found our promo code offerings competitive.
We also acknowledge your suggestion regarding the user interface. Our team is constantly working on enhancing the user experience, and your insights will be valuable in this process.
If you have any specific suggestions or features you would like to see improved in the user interface, we encourage you to share them with us at [email protected].
Hi Lucian, thank you for your 5* review! We're thrilled to hear that you find our platform easy to use and simple to understand.
If you ever have any suggestions for improvement or if there's anything specific you'd like to share about your experience, please feel free to reach out. We value your feedback and are here to ensure your continued satisfaction.
Superb customer service by Vanessa.
She was prompt in answering all my enquires and resolving them making me feel more certain about the services by ipaymy.
Thank you!
Reply from ipaymy2024-01-15
Thank you so much Irwin for taking the time to share your positive experience with Vanessa and our customer service team at iPayMy! We are delighted to hear that Vanessa's prompt and efficient assistance not only addressed your inquiries but also instilled a greater sense of confidence in our services.
We greatly appreciate your kind words and the opportunity to serve you. If you have any further questions or if there's anything else we can assist you with, please don't hesitate to reach out.
Easy to use and done on the first try. All questions were answered via their chat app as well.
Reply from ipaymy2023-12-19
Thank you for sharing your experience Jeffrey! We're delighted that our product was user-friendly and that you found success on your first attempt. It's fantastic to hear that our chat app provided all the answers you needed—our goal is to make sure our customers feel supported every step of the way. Your feedback is truly appreciated, and we're here to assist you whenever you need us!
We're thrilled to hear that you found our product easy to use and appreciated our competitive pricing! Your satisfaction means a lot to us, and we're committed to continually providing a seamless experience at great value. Thank you for choosing us, and we look forward to serving you even better in the future!
Thank you for highlighting our attractive pricing and ease of use! We strive to offer not just a great product but also a seamless experience at a value that our customers appreciate. Your feedback fuels our drive to keep delivering top-notch service. We're grateful for your support and hope to continue exceeding your expectations!
Uber-convenient and quick to schedule payments at ipaymy, always!
Wish ipaymy will take it up a further notch by introducing Next Day Payout in Malaysia, this will elevate the convenience level to new heights for customers in Malaysia like me!
Reply from ipaymy2023-12-06
Thank you for your wonderful review Shahrum! We're elated that you find ipaymy convenient and reliable for scheduling payments.
We completely understand your desire for Next Day Payout in Malaysia, and we're actively exploring ways to improve and expand our offerings. Your feedback is invaluable in helping us shape our future enhancements.
While I can't promise immediate changes, please know that your suggestion has been duly noted and will be considered seriously.
Once again, thank you for your support and we look forward to serving you again!
Simple and easy to use for preconfigured payment types (tax, rent, insurance).
A bit more uncertain about the invoices category, but at least it is flexible
Reply from ipaymy2023-12-19
Thank you for sharing your experience Edison! We’re glad to hear that our platform has made managing preconfigured payment types like tax, rent, and insurance simple and easy for you. Your feedback is valuable to us.
We understand it may be a little confusing for the Invoice category, please feel free to reach out to us via our live chat or email us at [email protected] to clarify any doubts you may have, we’d be happy to help!
Thank you for your review Ivan! We're delighted to hear that your transaction went smoothly. Ensuring a seamless experience is a top priority for us, and we're delighted that we could meet your expectations.
Please don't hesitate to reach out if you have any questions. We're here to help and ensure that every interaction remains as smooth as possible. Thanks again for choosing us!