Collect invoice payments (DuitNow QR, FPX, cards)
Audience: Shop owner (Admin) Time: 4 minutes
Get paid on your invoices without leaving envoice. Connect your own Chip payment account, and envoice can generate a pay link / DuitNow QR for an invoice. Your customer pays by DuitNow QR, FPX online banking, or card, and the invoice is marked paid automatically.
Money goes straight into your own bank account (through Chip). envoice never holds your funds and never touches the card details, it only creates the payment request and listens for the "paid" confirmation.
Before you start: a paid plan
Payment collection is included free on every paid plan: Starter, Pro or Enterprise. It is not available on the Free plan. There is no separate add-on to buy. Chip charges its own fee per transaction.
If your shop is on the Free plan, upgrade on the Billing page first. The payment settings below then become available.
1. Get your Chip keys
You need a free Chip account (chip-in.asia). In the Chip dashboard (portal.chip-in.asia):
- Open Developers → API keys and copy your Secret key.
- Open Brands and copy your Brand ID.
Keep both handy for the next step.
Screenshots to capture: Chip dashboard API keys page, Chip Brands page.
2. Connect Chip in envoice
In envoice, open your shop Settings → Payments. Under Online payment links, paste your Brand ID and Secret key, then click Save payment connection.
envoice checks the keys with Chip before switching the gateway on. If the keys are wrong you see "Chip rejected these credentials", re-copy them from the Chip dashboard and try again. When it works, the card shows (connected).
To change the Brand ID later without re-typing the secret, leave the Secret key field blank and Save, your existing secret is kept.
Screenshots to capture: Payments settings with the Online payment links card (empty and connected states).
3. Create a payment link on an invoice
Open any invoice (a standard invoice) from Invoices. When your Chip gateway is connected, a Get paid card appears. Click Create payment link.
envoice generates a secure Chip checkout link for that invoice's amount. Use Copy link to send it to your customer (WhatsApp, email, SMS), or Open checkout to view it yourself. The same link carries a DuitNow QR the customer can scan.
The invoice then shows as Payment pending until your customer pays.
Screenshots to capture: invoice page "Get paid" card (before), and after creating the link (Open / Copy buttons).
4. How your customer pays
When a payment link is created for an invoice, your customer opens Chip's secure checkout page and chooses how to pay:
- DuitNow QR: scan with any Malaysian banking app.
- FPX: online banking (personal or business).
- Card: Visa / Mastercard.
Because Chip hosts the checkout, no card details ever pass through envoice.
5. Getting paid and marked "paid"
The moment Chip confirms payment, envoice marks the invoice PAID (with the paid date). If a confirmation is ever delayed, a background check reconciles it within a few minutes, so a paid invoice never stays stuck as unpaid.
Settlement of the money (Chip to your bank) follows Chip's own payout schedule.
Good to know
- Your money, your account. Payments settle to the bank account on your Chip profile. envoice takes no cut of the payment.
- No PCI burden. Card entry happens on Chip's page, not envoice.
- One gateway per shop. Connect a different Chip account per shop if you run several.
- Sandbox shops use a mock gateway (no real charges) so you can test safely.
Troubleshooting
- "Online payment links need a paid plan." Upgrade to Starter or above on the Billing page.
- "Chip rejected these credentials." Re-copy the Brand ID and Secret key from the Chip dashboard; make sure you copied the Secret (not the public/publishable key).