Understanding e-Invoicing Requirements for Malaysia
In line with the Inland Revenue Board of Malaysia (IRBM) guidelines, CardUp has updated the platform to support e-invoicing for Malaysia-based customers starting 1 January 2026.
You may now opt in and provide your tax details in CardUp if you wish to receive monthly e-invoices that are validated by IRBM.
What is an e-Invoice?
An e-Invoice is a government-validated invoice issued through Malaysia’s MyInvois system.
It includes your payment information, CardUp fees, SST (where applicable), and your tax details.
How can I opt in or opt out?
You may choose whether you would like to receive a monthly client-level e-Invoice:
For CardUp consumer or business users:
Go to Settings → e-Invoice Settings to opt in and submit your tax information.
For guest users paying suppliers through CardUp without an account:
Use the link provided in your payment confirmation email to submit your details.
For more information on the correct tax detail formats, please refer to the IRBM FAQ linked here.
If you do not opt in, you will not receive monthly e-Invoices. You may also opt out at any time through the same e-Invoice settings page.
What information is required in the opt-in flow?
For businesses (B2B)
Tax Identification Number (TIN)
SST Registration Number (if applicable)
For individuals (B2C)
Personal TIN
NRIC / Passport
Address
For guest users
Details required depend on whether the payment is made as a business or an individual.
Note → If you are foreign user or person who do not have TIN assigned by IRBM, please use general TIN EI00000000020.
How and when will I receive my e-Invoice?
If you have opted in and your tax details are valid, your personalised e-Invoice will be generated during the first week of each month, covering all transactions from the previous month.
What will I see on my e-Invoice?
You will received an IRBM validated e-Invoice in PDF format on your email. Your e-Invoice will include:
Your submitted tax information
A line item for each payment made during the month showing
CardUp fee & SST charged on these payments
A government-validated MyInvois invoice ID & QR code.
Commonly asked questions - Will existing CardUp users be affected?
Both new and existing Malaysia-based users can choose to opt-in and provide tax information and receive personalised e-invoices.
If you have not opted in nothing changes on your account. You will still be able to process payments on CardUp platform as earlier.
If I have multiple CardUp accounts, do I need to provide tax details for each?
Yes, each CardUp account requires its own set of tax details if you wish to receive personalised e-Invoices for that account.
What happens if I have not opted in and have not provided the required information?
We won’t be able to issue a personalised, client-level e-invoice.
I provided my details—why didn’t I get an e-Invoice?
Possible reasons include:
No eligible transactions were made during that period
Your tax details were submitted after the monthly invoicing cut-off
Your information could not be validated in the MyInvois system
If your information is valid, your personalised e-invoice will be generated in the next monthly cycle.
Example:
If you submit valid details on 10 February, your first e-invoice will be issued in March.
My details changed—what should I do?
Your tax information can be updated at any time under Settings → e-Invoice Settings.
All future e-Invoices will reflect the updated information.
When will I start receiving e-Invoices from CardUp?
Once your tax information has been submitted and validated, e-invoices will be issued starting from the next monthly billing cycle.
For example: If you update your details on 3 February, your first e-invoice will be issued in March.