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AmanahPay Lite
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Trusted by 1,000+ Malaysian online traders

The safest way to buy and sell pre-owned items online.

Stop transferring money blindly to strangers on Facebook Marketplace, Carousell, and Telegram. AmanahPay holds funds in a regulated ToyyibPay escrow account until you verify the item.

Create Seller Trade Link Try Buyer Checkout Demo
ToyyibPay Segregated Account
National DuitNow QR (PayNet)
SHA-256 Photo Proof
amanahpay.my/escrow-shield
Active Custody
Verified Item
SHA-256: 7f83b165...

Sony PlayStation 5 Disc Edition (MY Set)

Transaction ID: AP-98412 • Ref: TP-849120

RM 1,450.00
ToyyibPay T+1
Payment Locked in Escrow
Awaiting Buyer Inspection

One platform, total peace of mind for both sides.

Designed specifically to eliminate scams in Malaysian online marketplaces.

For Buyers

Shop anywhere on social media without fear of ghost sellers or mule accounts.

  • Pay with Any Bank: Scan DuitNow QR with MAE, TNG eWallet, CIMB, or Bank Islam.
  • Money Held in Custody: Funds are locked in ToyyibPay's regulated trust account, not the seller's wallet.
  • 100% Refund Guarantee: Get fully refunded if the seller doesn't ship or sends damaged goods.
Test Buyer Checkout Flow

For Sellers

Close deals instantly without the risk of fake payment receipts or traveling for COD.

  • Generate Links in 30 Seconds: Upload authentic photos and instantly get a sharable escrow link.
  • Ship With Complete Confidence: Ship parcels only after payment is verified and locked in escrow.
  • SHA-256 Photo Proof: Protects you from fraudulent buyer claims and chargeback abuse.
Create Safe Trade Link

How it works.

Three straightforward steps with no complicated onboarding.

1

Upload Photo & Generate Link

Seller uploads the actual item photo. The system calculates a cryptographic SHA-256 hash to lock visual proof before checkout.

2

Pay via DuitNow QR

Buyer reviews the verified photo and scans the DuitNow QR code. Funds are held safely in ToyyibPay's regulated escrow account.

3

Verify Parcel & Release Funds

Seller dispatches the parcel. Once inspected and verified, buyer clicks one button to release payment to the seller's bank.

Live Interactive Sandbox

Experience AmanahPay Live

Toggle between seller mode to generate a secure trade link, or buyer mode to test the DuitNow QR checkout flow.

Step 1: Seller

Create Safe Trade Link

Upload authentic item photo. Buyers pay securely via ToyyibPay DuitNow QR.

Escrow Protection
ToyyibPay Regulated Custody
Seller Sign-Up Required
You must register your payout bank account before generating a Safe Trade link.
Sign Up as Seller Sign In
RM

Step 1: Write Random Code on Paper

Anti-scam requirement: Proves you physically hold the actual item.

Write On Paper:
AP-8492
Date: 24 Sep 2026
1 Take a clean slip of paper and write AP-8492 and today's date.
2 Place the paper physically next to your item (do not cover details).
3 Take a clear photo with the paper note visible and upload it below.
Zero-Trust Security: Buyers will inspect that this exact code is written on paper before scanning the DuitNow QR.
Mandatory

Upload Authentic Item Photo

The system computes a SHA-256 hash to lock visual proof before invoicing.

AmanahPay Guarantee:

Buyer funds are held securely in the regulated ToyyibPay escrow account as soon as the DuitNow QR is scanned.

Banking-grade security architecture.

AmanahPay utilizes Malaysia's regulated ToyyibPay rail instead of overseas processors prone to arbitrary fund freezing.

Segregated Client Account

Customer funds are held in statutory escrow under Bank Negara Malaysia guidelines with local acquiring banks (Bank Islam).

Zero Overseas Bot Freezes

International gateways like Stripe enforce 180-day algorithmic holds on P2P volume. ToyyibPay operates locally in Cyberjaya with dedicated support.

SHA-256 Photo Proof

Item photos are hashed directly inside the browser prior to invoice creation, creating immutable mathematical proof against bait-and-switch deception.

Testimonial

"AmanahPay completely changed how I sell high-value PC parts. Buyers don't hesitate anymore when they see their money is safely locked in ToyyibPay, and the SHA-256 photo hash protects me from fake claims."

Harith Iskandar Verified Tech Seller • Kuala Lumpur

Frequently Asked Questions

Everything you need to know about AmanahPay escrow protection and payment processing.

Ready to trade online without anxiety?

Join Malaysia's safe peer-to-peer trading network backed by ToyyibPay escrow protection today.

Create Safe Trade Link Now