Infrastructure · Payments · MODULE Z
Payment Orchestration — Stripe + Billplz
Stripe doesn't do FPX recurring. Billplz isn't Stripe. We bridge both.
Module Z is the payment infrastructure for Malaysian SaaS. Charge customers in MYR using FPX (one-off via Billplz) AND recurring (via Stripe credit-card or stored card on Billplz). Webhooks reconciled to a single ledger. White-label optional.
2 rails
Stripe + Billplz · unified
FPX recurring
Solved via stored-card hybrid
1 ledger
All transactions reconciled in one place
WHAT THIS FIXES
The exact problems Payment Orchestration — Stripe + Billplz is built around.
- You want subscriptions. Stripe doesn't support FPX. Billplz supports FPX but no subscriptions.
- You wire both: FPX one-off for first month, Stripe card for ongoing. Reconciliation is a Tuesday nightmare.
- PCI compliance scope balloons when you handle cards yourself; SAQ-A is the only path you want.
- Refunds, dispute handling, partial payments, dunning — handled by neither tool natively. You build it.
HOW IT WORKS
The pipeline, end to end.
- 1
Initiate
Customer hits "Subscribe to RM 599/mo plan". Module Z generates a payment link for first month via FPX (Billplz).
- 2
Capture first payment
Customer pays via FPX (Maybank2u, CIMB Clicks, etc.). Billplz webhook confirms. Module Z marks subscription active, queues card-tokenisation step.
- 3
Tokenise card
On day 25 of the first month, Stripe SetupIntent sent to customer — "save card for renewal". Customer adds card via Stripe Elements (SAQ-A). Tokenised, stored at Stripe.
- 4
Recurring charge
On day 30 (renewal): Stripe automatically charges the saved card. Backup: if Stripe charge fails, Billplz FPX link emailed as fallback.
- 5
Unified ledger
All Stripe + Billplz transactions reconciled into a single Module Z ledger. Reports, exports, audit trail — one source of truth.
WHAT'S INCLUDED
Every capability shipped, named.
- Stripe + Billplz unified ledger
- FPX one-off via Billplz (Malaysian banking)
- Credit-card recurring via Stripe (international)
- Hybrid FPX→Card upgrade flow on month 2
- SAQ-A compliance (no card data touches your servers)
- Refunds, partial refunds, dispute escalation
- Dunning fallback (Stripe fails → Billplz email)
- White-label hosted checkout (your brand, our infra)
- Webhooks unified into single event stream
- PDPA-compliant ledger retention
PRICING
Plans that scale with use, not seats.
All prices in MYR, exclusive of SST. 14-day refund on monthly, pro-rated refund on annual. PDPA-aligned. Cancel anytime.
WHAT YOU RECEIVE
The artefacts that land in your hands.
Unified ledger
Every transaction (Stripe + Billplz) reconciled into one ledger. Filter by status, date, customer, currency. Export to CSV / Xero / SQL Account.
Webhook event stream
Unified webhook events (subscription.created, payment.succeeded, payment.failed, etc.) — single integration into your app.
Customer payment portal
Hosted page where your customer can update card, see invoices, request refund. Branded with your colours and logo.
FREQUENTLY ASKED
The questions buyers ask first.
PCI compliance — what's our scope?
SAQ-A. Card data never touches your servers. Stripe Elements + tokenisation handles it. We provide the SAQ-A attestation template for your annual security review.FPX recurring — really?
Not natively from FPX (the protocol doesn't support it). The hybrid model: FPX for month-1 (one-off), Stripe card for month-2 onwards. ~85% of customers complete the card-add step within 5 days of month-1 charge.What if customer never adds a card?
After 3 reminder emails over 7 days, subscription auto-pauses. Customer gets a final "your subscription is suspended — click to reactivate" message with a fresh FPX link.White-label — your brand or ours?
Your brand. Hosted checkout on a subdomain (pay.your-domain.com). Email templates with your sender. Customer never sees "ONSET" or "Stripe" branding.Refund workflow?
Single-click refund in your dashboard. Routes to the right rail (Stripe → instant; Billplz → 3-5 business days). Full + partial supported.Cross-border (SGD, USD)?
Growth+ supports SGD, USD, IDR. FX rate snapshotted at invoice time. Tax inclusive/exclusive handling per tenant.
Try Payment Orchestration — Stripe + Billplz on your real business.
14-day trial. No credit card. PDPA-aligned. Built for Malaysian SMEs by a Malaysian team in KL. Reginald and ONSET team reply within one business hour, Mon–Fri 9am–6pm MYT.
- PDPA-aligned
- Cancel anytime
- 14-day refund
- 1 business hour reply
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Each AI Employee is independently usable, but they compose. Run a demo and we'll show you which combination fits your business.