Issuer fees explained
Company onboarding currently charges RM 150. The portal shows the amount due on the Onboarding Fee step.
The button is currently labelled Pay with FPX. Checkout opens CashSouk's payment gateway for Malaysian online banking (FPX). The checkout window is branded by the gateway provider (currently Curlec / Razorpay). That branding does not mean a second payment method is available.
This fee sets up the company account. It is separate from application fees.
Application processing fee
The first time you submit a financing application, you pay the Application processing fee. It is currently RM 50, charged once. The same checkout is used: the button is labelled Pay with FPX, and the payment window is branded by Curlec / Razorpay.
The fee is non-refundable. Resubmit for Review after a change request does not charge it again. A new application is a new first submission.
Facility fee
A facility fee is a one-off charge for an approved facility. It is owed in full when you accept the facility offer. The rate is set on that offer and is at most 1% of the approved facility.
CashSouk decides how much to collect immediately (the upfront amount) and how much to take later from successful invoice drawdowns. The facility page shows Owed, Charged, Waived and Remaining.
Invoice-only financing (Finance one invoice without a facility) has no facility and no facility fee. A standalone invoice can still have a drawdown fee and any named additional fees on that offer.
Upfront facility fee and the per-payment cap
If the offer asks for an upfront amount, the facility page shows Upfront facility fee with Upfront requested, Credited and Outstanding.
Pay with Pay with FPX (same Curlec / Razorpay checkout). If the amount is larger than the current per-payment cap, the portal states the cap and you use Make next FPX payment until the upfront amount is finished. The live cap is shown on that card.
Finance an invoice stays disabled until the requested upfront amount is paid (or no upfront amount was requested) and the facility is enabled.
If a payment needs a check, you will see Facility fee payment under review. Do not pay again while that review is open.
Drawdown and additional fees
When you accept an invoice offer, the offer letter locks:
- a drawdown fee, taken as a percentage of the amount investors actually fund (not the invoice face value)
- any facility-fee collection for that invoice (a fixed amount toward the remaining facility fee)
- any named additional fees
Those amounts are deducted only if the listing funds successfully. After disbursement, the invoice note shows Disbursement breakdown: Gross funded, Drawdown fee, Facility fee, extra lines and Net to issuer.
If the listing does not reach the minimum, those offer fees are not charged.
Which structure pays which fee
- Set up a new facility — onboarding fee (once per company), application processing fee at first submit, then facility fee on the facility offer. New signing is required.
- Finance an invoice from an approved facility — application processing fee at first submit of that invoice application. Drawdown fee (and any facility-fee collection on that invoice) only if the listing funds. No new signature.
- Finance one invoice without a facility — application processing fee at first submit, then drawdown fee and any extra lines on that invoice offer. No facility fee. New signing is required.
Ta'widh, Gharamah and leftover late charges
If repayment is late, the financing terms may include Ta'widh (late-payment compensation) and Gharamah (a late-payment penalty). Indicative amounts may appear on the note after grace ends. They are estimates. CashSouk confirms the applied amounts at settlement. They are allocated from the receipt, not added on top of the invoice settlement amount you report. CashSouk may waive some or all of a late charge; the reason is shown on the note.
If late charges remain after settlement, the note shows a late-charge payment card. Pay the outstanding amount with Pay with FPX (same checkout). The same per-payment cap can apply, and the portal will say if you need more than one payment.
See Late payments, arrears and default for the overdue, late, arrears and default sequence.
Common questions
Which fees are refundable?
The application processing fee is non-refundable. Other fees follow the offer and financing terms shown in the portal. CashSouk does not refund collected facility fee if a later balance is waived.
Why did the checkout say Curlec or Razorpay when the button said Pay with FPX?
The portal button is labelled Pay with FPX. The payment window is run by CashSouk's gateway provider (currently Curlec / Razorpay) for Malaysian online banking. Use that window. There is no separate second method unless the live screen shows one.
Why did I make several FPX payments for one facility fee?
Each gateway payment has a maximum. The portal shows that maximum and tracks Credited until the upfront amount is complete.
Do investors pay these fees?
No. These are issuer charges. Investor service fees are deducted from investor profit at settlement, not from your principal request.