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Getting Started with RinggitPay on Financio [Upcoming Release]

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Brinda Menon
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Applies to: Financio (Malaysia)  ·  Integration: RinggitPay Payment Gateway

 

RinggitPay is a payment gateway that lets businesses collect payments online. In the context of Financio, it allows your customers (payers) to pay their invoices via:

  • FPX Online Banking (retail & corporate)
  • Credit/Debit Card (Visa/Mastercard)
  • e-Wallet / DuitNow QR

As a Financio merchant, you register once through the Integration Apps page, and once connected, every invoice you send out will have a "Pay via RinggitPay" icon embedded that enables your customers to click it, pay, and you receive the funds in your nominated bank account.

In this article:

How to Connect RinggitPay on Financio

This article guides you through registering and connecting your business to RinggitPay as a payment gateway on Financio. Once connected, your customers can pay invoices via FPX Online Banking, Credit/Debit Card, or e-Wallet.

Before you begin

  • You are an Admin or Owner of a Financio account.
  • Your Business Profile is complete (Company Name, Registration No., Email, Contact Person).
  • You have a valid email address to receive RinggitPay notifications.

Steps

  1. Go to Integration Apps from the left navigation menu.
  1. Locate the RinggitPay tile and click Register.
  1. A popup will appear with your business details pre-filled from your Business Profile (read-only). Review the information.
  1. Read the terms of the contract. Click the link to review the full terms, then tick the checkbox: "I have read and agreed to the terms of this contract, and I consent to connect this feature."
  2. Click Submit to send your application to RinggitPay. Once submitted, the status on the Integrated Apps page will change to Pending RP Registration.
  3. You will be redirected to the RinggitPay Merchant Onboarding Form.

Note: If you close the RinggitPay Merchant Onboarding Form before submitting, you can return to the Financio Integrated Apps page and click the Register button to be redirected to the form again.

  1. Once the form is submitted, you will see a confirmation message showing Application Submitted, along with your Entity ID. This Entity ID will be used as your reference for all transactions with RinggitPay.
  1. The status in the Integrated App will update to Processing.

 

What happens next?

RinggitPay will review your application. The approval process takes 2–3 working days. You will receive in-app notifications and email updates at each step. During this moment, RinggitPay team will guide you through email on what to do next.

Onboarding Status Lifecycle

Status Meaning What to Do
Register Not yet registered, or previous application was rejected. Click Register to start or restart the process.
Processing Application submitted. Awaiting RinggitPay review (2–3 working days). Wait for notification. No action required.
Pending RM2.00 Approval Approved by RinggitPay. An RM2.00 test payment is required to activate. Complete the RM2.00 test transaction to proceed.
Connected Fully active. Your customers can now pay via RinggitPay. No action needed. Start issuing invoices.

 

Note: If your application is rejected, the status will revert to Register. You may click Register again to resubmit.

How to Disconnect RinggitPay from Financio

If you no longer wish to use RinggitPay, you can disconnect the integration from the Integration Apps page. Disconnecting will cancel your merchant account with RinggitPay and disable the payment gateway on all your invoices.

Before you begin

  • Your RinggitPay integration status is Connected.

Steps

  1. Go to Integration Apps from the left navigation menu.
  2. Locate the RinggitPay tile. Your current status should show Connected.
  3. Click Disconnect.
  1. A confirmation popup will appear. Read the message carefully — this action will cancel your RinggitPay merchant account.
  2. Confirm by clicking Disconnect to proceed.
  1. The status will revert to Register.

Note: After disconnecting, the Pay via RinggitPay button will no longer appear on your invoice PDFs. Any unpaid invoices with existing payment links may no longer be accessible to your customers. Reconnecting requires going through the full onboarding process again.

How to Configure RinggitPay Settings

Once connected, you can configure two settings under RinggitPay: the Receive Payment Account (bank account to receive payouts) and Partial Payment (allow customers to pay invoices in instalments).

3A. Set Settlement Account

The Receive Payment account is the bank account where RinggitPay will transfer your collected payments.

Before you begin

  • RinggitPay integration status is Connected.
  • You have your bank account details ready.
  1. Go to Integration Apps and click on the RinggitPay tile.
  2. Click Configuration.
  1. Under Receive Payment Default Account, enter your payment method, Deposit To account, and Expense Account (use for settlement).
  2. Click Save to confirm.

3B. Configure Partial Payment

Partial payment allows your customers to pay less than the full invoice amount, as long as the amount is above the minimum you set. This can be configured globally (applies to all invoices) or per invoice.

Global Partial Payment Setting

  1. Go to Integration Apps and click on the RinggitPay tile.
  2. Click Configuration.
  3. Under Partial Payment, toggle the switch to Yes to enable partial payments.
  1. Enter a Minimum Amount. The minimum amount cannot be below RM1.00.
  2. Click Save.

Per-Invoice Partial Payment Setting

  1. Open or create an invoice.
  2. Look for the RinggitPay payment options on the invoice.
  3. Enable partial payment for this specific invoice. For the minimum amount, it will follow the global settings.

 Note: If partial payment is enabled and a customer makes a partial payment, the invoice status will reflect the outstanding balance. You can view all payment history on the RinggitPay Transaction page.

 

How to View RinggitPay Transactions

The RinggitPay Transaction page provides a full view of all payment activity for your invoices, including successful, partial, and failed payments.

Before you begin

  • RinggitPay integration status is Connected.
  • At least one invoice has been issued with a RinggitPay payment link.

Steps

  1. Go to Integration Apps and click on the RinggitPay tile.
  2. Click View Transactions (or navigate to RinggitPay > Transaction List from the menu).
  1. The transaction list will display all payment activity. You can filter by date range, invoice number, or payment status.
  2. Click on any transaction row to view the full details.
  3. The detail view shows: Invoice Number, Payer Name, Payment Method (FPX / Card / e-Wallet), Amount Paid, Transaction Date and Time, RinggitPay Transaction Reference, and Payment Status.

Transaction Status Guide

Status Meaning Next Step
Payment Completed Full amount received. Invoice marked as paid. No action needed.
Partial Payment The customer paid part of the invoice. Balance remains outstanding. Follow up with the customer for the remaining balance.
Payment Failed The transaction was not completed. The invoice remains unpaid. The customer may retry payment using the same link.

 

How to Pay an Invoice via RinggitPay (Customer Guide)

This article is for customers (payers) who have received a Financio invoice with a RinggitPay payment option. You can pay using FPX Online Banking, Credit/Debit Card, or e-Wallet.

Before you begin

  • You have received an invoice from a Financio merchant (via email or shared link).
  • You have access to your bank's online banking or a supported card/e-wallet.

Step 1: Open the Invoice

  1. Open the invoice email or click the payment link shared by the merchant.
  2. The invoice PDF will open in your browser.
  1. On the invoice page, click Proceed to Payment to proceed to the RinggitPay checkout page.

Step 2: Complete Payment on RinggitPay Checkout

  1. On the RinggitPay checkout page, click the Make Payment button.
  1. Select your payment method: FPX Online Banking or Credit Card/Debit Card.
  1. Enter the required payment details (e.g., select your bank for FPX, or enter card number for card payments).
  1. Review the payment amount and click Proceed.
  2. You will be redirected to your bank's online banking or card verification page to authorise the transaction.
  3. Complete the authorisation (e.g., enter TAC/OTP as required by your bank).

Step 4: Payment Confirmation & Receipt

  1. Once payment is successful, you will be redirected back to a confirmation page showing your payment receipt.
  1. Financio will generate a payment receipt in the system. The receipt includes: Invoice Number, Amount Paid, Payment Method, Transaction Date & Time, and RinggitPay Transaction Reference.

 

How to View a Payment Receipt

After a customer completes a payment, a receipt is available on the RinggitPay Transaction page in Financio. This article explains how merchants can locate and view payment receipts.

Before you begin

  • RinggitPay integration status is Connected.
  • A payment has been completed by your customer.

Steps

  1. Go to Integration Apps and click on the RinggitPay tile.
  2. Click View Transactions.
  1. Find the relevant invoice/transaction. You can use the search or filter by invoice number or date.
  1. Click on the transaction row to open the payment detail page.
  1. The payment receipt details are shown, including: Invoice Number, Payer Name, Payment Amount, Payment Method, Payment Date & Time, RinggitPay Transaction Reference, and Payment Status.

 

Note: Receipts are available immediately after a successful payment. For pending FPX Corporate (B2B) transactions, the receipt will only be finalised once the bank authoriser approves the transaction.

 

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