Airapay imposes fixed late payment fee of RM 20.00 to cover the costs of its recovery activities.
This amount shall be treated as Ta'widh. Any amount in excess of the actual cost shall be treated as Gharamah and be channeled to charity.
Gharamah means (fine or penalty) and Ta`widh means (compensation) .
Attempt to deduct the outstanding payment from the registered debit/card card in 48 hours (2 times) from the scheduled payment due date
Send reminders to pay via email and SMS or any other medium available to Airapay
Send letter of demand to customers to ensure repayment of outstanding amount
List customer’s default as negative trade reference in the affiliated credit bureau’s non bank data registry
Engage with debt collection agency to assist with the debt recovery process.
We have a very stringent Merchant Onboarding process. During the Airapay Merchant account application stage, we require Halal Certification specifically for merchants who sells food and beverage and cosmetic products. We also perform thorough due diligence to ensure we do not onboard merchants who sells or are involved in activities that are non-Shariah Compliant such as:-
Tobacco and dangerous drugs
Pork and its by-products
Food items that are prohibited under the teaching of Islam such as frogs, snakes, crocodiles
Shariah non-compliant massage parlours that allow treatment from the opposite gender
Hotels – in particular those that offer alcohol, non-halal foods, or any other non-compliant activities
Production and distribution of idols, statues, and materials and place for worshipping other than Allah
i. customer is able to prove that he/she is no longer in a position to meet his debt obligation based on current financial position;
ii. When a customer has been declared under a judge’s declaration that he/she is insolvent, preventing him from disposing of his assets.
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