Tekkis
Summary
Built a multi-rail payment acceptance and identity platform that processed approximately RM1.29B in transaction volume across FPX, DuitNow, e-wallets, and cards, with t-Pay handling acceptance and settlement and t-Verify extending the same platform into e-KYC and fraud-resistant workflows.
Why it mattered
- Gave merchants a single integration across every major Malaysian payment rail instead of one per acquirer.
- Proved that acceptance, settlement, and identity verification are stronger built as one platform than as separate products.
- Handled high-volume regulated transaction workloads with strict uptime and reconciliation requirements.
What I did
- Architected a cloud-native, API-first platform and built out the product family on top of it: t-Pay for acceptance, t-Verify for identity, and further products on the same core.
- Operated multi-rail acceptance as principal merchant of record, running master merchant relationships with 2c2p (FPX and DuitNow), Kiple (e-wallets), and Stripe (cards).
- Owned merchant onboarding, routing logic, settlement, and reconciliation end to end.
- Lifted transaction authorisation rates by 59% through intelligent multi-acquirer routing and retry architecture, materially improving merchant revenue capture.
- Extended the platform into e-KYC and identity verification with real-time data validation and fraud-resistant transaction workflows, serving state governments, top-tier telcos, and financial institutions.
- Built and led the engineering, product, and commercial organisation, and the partnership structures spanning third-party administrators, banks, and government-linked entities.
Lessons / principles
- Routing and retry logic is revenue engineering; a few points of authorisation rate outweighs most feature work.
- Reliability and reconciliation discipline are growth multipliers in payments, not overhead.
- Identity and payments share the same trust surface, so they benefit from sharing the same platform.
Founder lessons
- High-availability architecture reduces institutional risk before incidents occur.
- Strong governance increases enterprise trust and lowers friction with partners and regulators.
- Predictable delivery improves commercial outcomes and confidence at every level.
- Team structure determines long-term resilience more than short-term heroics.
Status
2021–2023 Acquired