Reverse an FPX payment sent to a scam

What FPX is and why it matters here

FPX (Financial Process Exchange) is the payment gateway many Malaysian websites use at checkout, taking you to your own online banking login to approve the payment. Once approved, the money moves directly from your bank account to the seller’s account.

This makes an FPX payment behave like a bank transfer rather than a card payment, even though it happens on a shopping website. The distinction matters because it changes which recovery route applies.

If you paid through FPX for something that turned out to be fake, the situation is closer to a DuitNow transfer sent to a scam than a card dispute.

Can an FPX payment be reversed

There is no automatic reversal button for FPX, since the payment settles as soon as you approve it in your banking app or website. What can still happen is a recall request, the same mechanism used for other bank transfers.

The window for this is short. Once the receiving account is emptied, a recall becomes far less likely to succeed, so speed matters more than a perfect explanation of what happened.

Contact your bank immediately

Call your bank’s fraud line and explain that an FPX payment on your account went to a scam website or seller. Give the amount, the date, and the seller or platform name if you have it.

Ask whether a recall can be sent to the receiving account and what happens next. Read how a bank recall works to understand what your bank can and cannot promise once the request is sent.

Keep the payment confirmation and the receipt from your online banking, since these show exactly when and how the payment was made.

If it was a fake online store

If the payment was for goods or a service from a website that never delivered or turned out to be fake, this fits the pattern of an e-commerce scam. Save the product listing, the seller’s contact details, and every message exchanged.

Report the website itself where possible, since this can help stop others from paying the same seller. A police report also matters here, even if the amount is modest.

What to do next

Report to your bank first, then file a police report, and call the National Scam Response Centre on 997 if the payment was recent. Keep every screenshot and receipt together in one place.

For the fuller sequence of actions beyond this specific payment, read the first actions after a scam.