How Airwallex helps Malaysian businesses expand internationally

Representatives from the Malaysia Digital Economy Corporation, Visa and Airwallex at Airwallex Malaysia’s commercial launch event in Kuala Lumpur on April 14.

FINTECH platform Airwallex officially launched its full suite of services in Malaysia early this year after securing additional regulatory approvals from Bank Negara Malaysia, including for e-money issuance and a “Class A” Money Services Business licence.

Together with its registered merchant-acquiring status, these approvals enable the company to offer Malaysian businesses a more complete suite of financial services for operating locally and internationally.

But what does Airwallex actually do?

Put simply, Airwallex brings the main financial tasks involved in running an international business into a single, unified online platform.

Instead of using different providers to collect payments, hold and convert currencies, pay suppliers and manage company spending, businesses can do it all through one platform.

Receive international payments

Malaysian businesses can accept online payments from customers at home and overseas through cards, digital wallets and over 160 other local payment methods. These include cards, FPX, DuitNow, GrabPay and Touch 'n Go.

Businesses can also use payment links, online checkout tools or integrations with e-commerce platforms such as Shopify and WooCommerce.

For overseas bank transfers, Airwallex Global Accounts provide local account details in selected markets and currencies.

This means an overseas customer can pay a Malaysian business through a familiar domestic transfer, rather than arranging a traditional international payment.

Hold and manage money

Money received in different currencies can be held in a multi-currency wallet instead of being converted into ringgit immediately.

For example, a business paid in US dollars can retain those funds in the same currency and use them for overseas advertising, software subscriptions or supplier payments.

This can reduce unnecessary currency conversions while giving finance teams a clearer view of the company’s funds across different markets.

With Airwallex, businesses can pay their vendors in more than 200 countries, helping move money faster and more cost-effectively.

Send money internationally

Businesses can use Airwallex to pay vendors in more than 200 countries with access to market-leading international foreign exchange (FX) rates.

Payments are routed through local payment networks where available, reducing reliance on traditional SWIFT transfers and helping businesses move money faster and more cost-effectively.

Currency conversion is also available within the platform, enabling businesses to manage transfers and foreign exchange together.

Manage company spending

Airwallex also helps businesses manage money spent internally.

Companies can issue corporate and employee cards, set spending limits, track expenses, collect receipts and manage bill payments.

In addition, finance teams can establish approval rules and view company spending on one dashboard, reducing the manual work involved in checking claims and reconciling transactions.

Connect financial processes

The platform also integrates with accounting and business software including Xero, QuickBooks and NetSuite.

Financial data can therefore be synchronised easily, helping finance teams spend less time transferring information between disconnected systems and spreadsheets.

Kualesa founder and chief executive officer Ariff Faisal (right) speaking during the commercial launch event on April 14.

Helping Malaysian businesses scale globally

For Malaysian Airwallex customers, such as baby-care brand Applecrumby, these capabilities have translated into practical savings and more time for growth.

“With better pricing on payments, currency exchange and transfers, we’ve saved substantially – and focused our time to grow the business,” said Applecrumby finance director Winson Lee.

The company reported payment gateway costs that were 0.5% lower, savings of approximately RM100 per international transaction, and go-to-market timelines that were two to three times faster.

Additionally, Malaysian eco-fashion brand Kualesa founder and chief executive officer Ariff Faisal said: “As Kualesa expands beyond Malaysia, having a financial platform that can support multiple markets and currencies helps us manage growth with greater clarity and confidence. It allows our team to spend less time navigating fragmented financial processes and more time building the business.”

As businesses expand across borders, managing payments, currencies, expenses and transfers can quickly become more complex.

Airwallex brings these financial processes together in one platform, giving businesses a simpler way to manage their global operations as they grow.

For Malaysian companies with regional and global ambitions, the proposition is straightforward: Collect, hold, convert, send and spend money globally, without managing a patchwork of disconnected financial systems.

For more information, visit www.airwallex.com .

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4 月 14 日，马来西亚数字经济公司、Visa 和 Airwallex 的代表出席马来西亚 Airwallex 在吉隆坡举行的商业发布会。

金融科技平台 Airwallex 在获得马来西亚国家银行的额外监管批准后，于今年年初正式在马来西亚推出了全套服务，其中包括电子货币发行和“A 类”货币服务业务许可证。

凭借其注册商户收单机构资格，这些批准使该公司能够为马来西亚企业提供更全面的金融服务，以支持其在本地和国际上的运营。

但Airwallex究竟有什么作用呢？

简而言之，Airwallex 将运营国际业务涉及的主要财务任务整合到一个统一的在线平台中。

企业无需使用不同的服务提供商来收取款项、持有和兑换货币、向供应商付款和管理公司支出，而是可以通过一个平台完成所有这些操作。

接收国际付款

马来西亚商家可以通过银行卡、电子钱包以及超过160种其他本地支付方式，接受来自国内外客户的在线支付。这些支付方式包括银行卡、FPX、DuitNow、GrabPay和Touch 'n Go。

企业还可以使用支付链接、在线结账工具或与 Shopify 和 WooCommerce 等电子商务平台集成。

对于海外银行转账，Airwallex 全球账户提供特定市场和货币的本地账户详情。

这意味着海外客户可以通过熟悉的国内转账方式向马来西亚企业付款，而无需安排传统的国际支付。

持有和管理资金

以不同货币收到的款项可以保存在多币种钱包中，而不是立即兑换成林吉特。

例如，以美元结算的企业可以将这些资金保留为相同的货币，并将其用于海外广告、软件订阅或供应商付款。

这可以减少不必要的货币兑换，同时让财务团队更清楚地了解公司在不同市场的资金状况。

借助 Airwallex，企业可以向 200 多个国家的供应商付款，从而更快、更经济高效地转移资金。

国际汇款

企业可以使用 Airwallex 向 200 多个国家的供应商付款，并享受市场领先的国际外汇汇率。

付款将通过本地支付网络（如有）进行路由，从而减少对传统 SWIFT 转账的依赖，并帮助企业更快、更经济高效地转移资金。

该平台还提供货币兑换功能，使企业能够同时管理转账和外汇交易。

管理公司支出

Airwallex 还能帮助企业管理内部支出。

公司可以发行公司卡和员工卡，设定消费限额，跟踪支出，收集收据并管理账单支付。

此外，财务团队可以建立审批规则，并在一个仪表板上查看公司支出，从而减少检查索赔和核对交易所需的人工工作。

连接财务流程

该平台还与包括 Xero、QuickBooks 和 NetSuite 在内的会计和商业软件集成。

因此，财务数据可以轻松同步，帮助财务团队减少在不相连的系统和电子表格之间传输信息所花费的时间。

Kualesa 创始人兼首席执行官 Ariff Faisal（右）在 4 月 14 日的商业发布活动上发表讲话。

助力马来西亚企业拓展全球业务

对于马来西亚的 Airwallex 客户，例如婴儿护理品牌 Applecrumby，这些功能已经转化为实际的成本节约和更多的发展时间。

“通过更优惠的支付、货币兑换和转账价格，我们节省了大量资金，并将时间集中用于发展业务，”Applecrumby 财务总监 Winson Lee 说。

该公司报告称，支付网关成本降低了 0.5%，每笔国际交易节省了约 100 马币，上市速度提高了两到三倍。

此外，马来西亚环保时尚品牌 Kualesa 的创始人兼首席执行官 Ariff Faisal 表示：“随着 Kualesa 的业务拓展到马来西亚以外的地区，拥有一个能够支持多个市场和货币的金融平台，有助于我们更清晰、更有信心地管理增长。这使我们的团队能够减少处理分散的财务流程的时间，从而将更多精力投入到业务发展中。”

随着企业跨境扩张，支付、货币、费用和转账的管理会迅速变得更加复杂。

Airwallex 将这些财务流程整合到一个平台上，使企业在发展过程中能够以更简单的方式管理其全球业务。

对于有区域和全球抱负的马来西亚公司而言，其方案很简单：在全球范围内收集、持有、转换、发送和使用资金，而无需管理零散的金融系统。

欲了解更多信息，请访问 www.airwallex.com 。

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