Join the financial revolution

At Payfo, our products are designed to create lasting social impact for our users by leveraging on state of the art financial technologies aimed at catering towards their holistic needs.

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Who We Are

PNMB Payfo Is a financial technology startup 100% owned by PNMB based out of Kuala Lumpur, Malaysia. Our charter is to disrupt the financial space by building innovative products and solutions to augment and assist current needs for both businesses and direct users.

A bill aggregation platform like no other. Simply key in your NRIC number, select the bills or summons under your name, payout your outstanding and get rewarded! With our advanced analytics tools, track the spending patterns and save on your future bill payments.

A bill aggregation platform like no other. Simply key in your NRIC number, select the bills or summons under your name, payout your outstanding and get rewarded! With our advanced analytics tools, track the spending patterns and save on your future bill payments.

Our modular subsidy platform to help usher in the cashless revolution. Perfect for state and federal government agencies. We built a platform to serve as a fully cashless, semi-autonomous subsidy platform with a modular interface that allows government and governmental agencies manage the task of providing subsidies to the B40 and hardcore poor.

A unique, agnostic e-commerce and rewards platform that allows service and products oriented individuals, establishments and other companies to join our network, enabling the seamless cross exchange of points and rewards to their consumers. Giving your customers more reasons to keep returning to your store!

A unique, agnostic e-commerce and rewards platform that allows service and products oriented individuals, establishments and other companies to join our network, enabling the seamless cross exchange of points and rewards to their consumers. Giving your customers more reasons to keep returning to your store!

Be part of the new financial revolution.

Drop us an e-mail to begin your journey!