Malaysia
Malaysia Construction & Trades Software Directory
Independent reviews of 33 Malaysia-relevant vendors, organised around MyInvois, the national e-invoicing system run by LHDN/IRBM: accounting tools that say they submit e-invoices to LHDN (AutoCount, SQL Account, Bukku and others), construction software for tendering, progress evaluation and progress claims (BuildSpace, IFCA), EPF/SOCSO payroll and Contractor’s All Risks insurance, with the local context: the Ringgit, 6% SST on construction services, CIDB G1-G7 grading and the Green Card.
⏰ Compliance guide · MyInvois e-invoicing is LIVE (LHDN/IRBM) · construction has a special rule
MyInvois e-invoicing for Malaysian contractors
Construction is a “no-consolidation” industry, but the interim relaxation lets ≤RM5m contractors keep batching progress claims until 31 Dec 2027. The phases, the RM3m exemption threshold, the RM10k rule, and which tools say they submit to LHDN.
Deciding between two options?
See Malaysian vendors compared side by side: a short verdict, pros and cons, Malaysia-specific notes, and pricing, head to head.
What’s different about choosing software in Malaysia
Start with MyInvois, the e-invoicing system run by LHDN/IRBM. It’s live and phasing in by turnover (largest firms since August 2024; businesses up to RM5m from January 2026), and since LHDN's August 2026 guideline, businesses with turnover under RM3m are exempt unless they belong to a larger group. Under LHDN’s e-Invoice Guideline you submit XML or JSON (UBL 2.1) through the MyInvois Portal or an API, IRBM validates it in near real-time and assigns an IRBM Unique Identifier Number and a validation link, and the e-invoice’s visual copy carries a QR code for checking its status. The construction point needs care: construction is on the official “no-consolidation” list, meaning each progress claim should in principle be e-invoiced individually, but the interim relaxation (§16.2) expressly lets every business, construction included, keep issuing consolidated e-invoices through the grace window, which for firms up to RM5m runs to 31 December 2027. So contractors up to RM5m that meet the relaxation’s conditions are not yet forced into per-claim invoicing; larger ones already are. Beyond that: the second-order rule that any single transaction over RM10,000 needs its own e-invoice, 6% service tax on construction work services since the 1 July 2025 expansion of service tax (per RMCD, construction for residential buildings and their public facilities is not taxed, and the Federal Government, State Governments and local authorities are exempted), and the CIDB layer (Act 520 requires every contractor to register with CIDB, in grades G1 to G7, and every site worker, supervisor and project manager needs a Green Card). The general accounting tools listed here are not construction-specific; for construction work, BuildSpace covers tendering, estimating and progress evaluation, IFCA’s ContractX covers progress claims, variation orders and retention, and HashMicro and Globe3 add construction modules to a full ERP.
Accounting / invoicing & construction software
Accounting products that say they handle LHDN MyInvois e-invoices: AutoCount and SQL Account (desktop or cloud), the cloud products Bukku (with a free invoicing plan for new companies), Financio and Biztory, and UBS, formerly Sage UBS and now sold as Access UBS Evo by The Access Group. For construction, BuildSpace covers tendering, estimating and progress evaluation, and IFCA (listed on Bursa Malaysia) covers progress claims and property development; Cubicost by Glodon and RIB CostX are takeoff and estimating tools; Globe3 and HashMicro are ERPs with construction modules.
AutoCount
Tier S · Published pricesMalaysian accounting, POS, HRMS and cloud accounting with LHDN e-Invoice
AutoCount is developed by Auto Count Sdn Bhd of Petaling Jaya, a wholly owned subsidiary of Autocount Dotcom Berhad, which moved from the ACE Market to the Main Market of Bursa Malaysia on 26 February 2026. It sells the on-premise Accounting 2.0 in five editions plus Cloud Accounting, POS and HRMS. AutoCount says over 240,000 companies use its accounting software and that it has 300+ dealers.
Malaysia-specific note
AutoCount says its AutoCount e-Invoice Platform (AIP) connects directly to LHDN MyInvois for standard, consolidated and self-billed e-invoices, and queues and retries submissions while MyInvois is down. Auto Count Sdn Bhd is also a Peppol certified access point under MDEC. Its Cloud Accounting plans include e-Invoice at no extra cost; on the desktop editions SST is an optional plug-in.
Pros
- + On-premise and cloud editions
- + Direct LHDN MyInvois submission through its own e-Invoice Platform
- + Cloud plans include standard, consolidated and self-billed e-invoices
- + Dealer and training network (300+ dealers and 200+ training centres, per AutoCount)
Cons
- − No public prices for the desktop Accounting 2.0 editions
- − SST, project and multi-currency are plug-ins on desktop editions
- − Annual cloud discount is a limited-time promotion
- − General accounting, not a construction-specific product
SQL Account
Tier S · Published pricesMalaysian accounting and payroll software, desktop or cloud, with LHDN e-Invoice
SQL Account is developed by E Stream MSC Sdn Bhd, founded in 2003, with offices in Shah Alam and Kuala Lumpur. It runs on the desktop, on SQL Cloud or on a private cloud, alongside SQL Payroll, SQL HRMS and other add-on products. E Stream says more than 320,000 companies use SQL and that it has over 1,000 business partners.
Malaysia-specific note
E Stream says SQL Account submits e-invoices to LHDN MyInvois in one click, supports consolidated and self-billed e-invoices, and can generate a QR code so customers enter their own details for an e-invoice. E Stream MSC Sdn Bhd is a Peppol certified access point under MDEC, and its site says SQL Account covers SST.
Pros
- + Published cloud prices from RM79 per month
- + E-invoice, consolidated and self-billed e-invoices to LHDN MyInvois
- + Desktop, public cloud or private cloud deployment
- + Support centres across Malaysia, including Sabah and Sarawak
Cons
- − No public prices for desktop licences
- − Additional cloud users cost RM60 per month each
- − SST treatment of the listed prices not stated
- − General accounting, not a construction-specific product
Financio (by ABSS)
Tier S · Published pricesCloud accounting and payroll for Malaysian SMEs from ABSS
Financio is the cloud accounting and payroll product of Asian Business Software Solutions (ABSS), the former MYOB South Asia, which rebranded to ABSS in 2018 and launched Financio in Malaysia and Singapore in 2017. The Star reported in June 2022 that Censof Holdings had raised its stake in ABSS to 97%. ABSS also sells the desktop ABSS Accounting and Premier range and says more than 400,000 SMEs use its software.
Malaysia-specific note
Financio says its users can send, receive and track e-invoices with LHDN, and its e-invoice guide covers consolidated and self-billed e-invoices and credit or debit notes. The Essentials plan includes 25 LHDN e-invoices and Premier 5,000, so check the quota against your invoice volume.
Pros
- + Published prices from RM50 per month
- + LHDN e-invoices included in both plans
- + Payroll product from the same vendor
- + 30-day free trial of the Premier plan
Cons
- − Essentials plan includes only 25 LHDN e-invoices
- − No permanently free plan
- − SST treatment of the listed prices not stated
- − No construction job-costing features found on its pages
Bukku
Tier S · Published pricesMalaysian cloud accounting with a free invoicing plan and LHDN e-Invoice
Bukku is a cloud accounting product from Nukleus Ventures Sdn Bhd, with a free invoicing plan for new companies and four paid accounting plans, all with unlimited users. Nukleus Ventures is a Peppol certified access point under MDEC, Malaysia's Peppol authority. Bukku says 65,000+ companies have activated its software.
Malaysia-specific note
Bukku says e-invoice submission to LHDN MyInvois is one click from its invoices and that it handles consolidated and self-billed e-invoices, on every plan including the free one. Its developer, Nukleus Ventures Sdn Bhd, is on the Peppol list of certified access points under MDEC.
Pros
- + Free Launch invoicing plan for new companies and startups
- + Published prices from RM35 per month, with unlimited users
- + Peppol certified access point (MDEC)
- + Standard, consolidated and self-billed e-invoices to MyInvois
Cons
- − Paid plans are charged 8% SST on top of the listed price
- − SST and multi-currency are add-ons on the Seed and Grow plans
- − Launch plan is aimed at companies under six months old
- − No construction job-costing features found on its pages
Biztory Cloud Accounting
Tier S · Published pricesMalaysian cloud accounting and invoicing with LHDN e-invoice submission
Biztory is a cloud accounting product from Biztory Cloud Sdn Bhd (formerly Vectory Innovation Sdn Bhd) of Puchong, Selangor, founded in 2014. It covers sales, purchases, inventory, accounting and e-invoicing, with project management on its Pro plan. Biztory's about page says it serves more than 6,500 businesses in Malaysia.
Malaysia-specific note
Biztory says it submits e-invoices to LHDN automatically, including self-billed invoices, and lets users consolidate receipts and submit them together instead of keying each into the MyInvois portal. Full-set accounting and SST features start on the Growth plan.
Pros
- + Published yearly prices from RM690
- + E-invoice submission included on every plan
- + Consolidated and self-billed e-invoice submission
- + Project management on the Pro plan
Cons
- − Plans are billed yearly
- − Plus plan has no full-set accounting or SST features
- − SST treatment of the listed prices not stated
- − Elite plan (unlimited users) is quote-only
Access UBS (formerly Sage UBS)
Tier A · ListedUBS accounting, billing, inventory and payroll, now Access UBS Evo
UBS, formerly sold as Sage UBS, is now marketed in Malaysia as Access UBS Evo by The Access Group, which bought Sage's Australia and Asia business in 2021. Access Group Malaysia, based at Exchange 106 in Kuala Lumpur, sells UBS accounting, billing, inventory, POS, building service maintenance and UBS Payroll modules. Sage's own Malaysian site could not be read, so Sage 300 and X3 are not covered here.
Malaysia-specific note
The Access Group says UBS Evo generates SST-02, SST-02A and Laporan CJ(P) Jadual C-01 forms and maps product classification codes for the LHDN e-invoice mandate, with e-invoices sent and received from within UBS. Existing Sage UBS users should check which UBS version they need for e-invoicing.
Pros
- + Accounting, billing, inventory, POS and payroll modules
- + Generates SST-02 and SST-02A forms
- + Classification-code mapping for LHDN e-invoicing
- + Local Access Group office in Kuala Lumpur
Cons
- − No public prices
- − Name change from Sage UBS to Access UBS can confuse buyers
- − E-invoice submission method not stated on its pages
- − No construction job-costing module named on its UBS pages
HashMicro
Tier A · ListedModular ERP with a construction module, sold in Malaysia by HashMicro Malaysia
HashMicro sells a modular ERP covering accounting, HR and payroll, inventory, CRM, procurement, manufacturing, POS, project management and construction. Its Malaysian site is run by HashMicro Malaysia Sdn Bhd from Wisma UOA II in Kuala Lumpur, and it lists offices in Singapore, Indonesia, the Philippines, Australia and Thailand. HashMicro says 3,000+ companies use its software.
Malaysia-specific note
HashMicro says its e-invoice software is integrated with LHDN MyInvois for automatic validation and submission. Its construction module covers BoQ templates, milestone progress billing with retention and subcontractor claims. Its Malaysian blog ranks HashMicro first in its own ERP list, so compare it against independent sources.
Pros
- + Construction module with BoQ templates and progress billing
- + Subcontractor work orders and claims
- + HashMicro says its e-invoicing is integrated with MyInvois
- + Broad module range in one ERP
Cons
- − No public prices
- − Its own ERP comparison article lists HashMicro first; treat such lists as marketing
- − Full ERP scope is more than many small contractors need
- − Certification claims in its e-invoice guide not backed by an official list
BuildSpace (BuildSpace Pro)
Tier A · ListedMalaysian cloud platform for construction tendering, estimating and project delivery
BuildSpace is made by Global PCK Solutions Sdn Bhd of Kuala Lumpur, which cites research dating back to 2011. Its eProject platform covers project cost preparation, tender submission and on-site progress evaluation for developers, main contractors, subcontractors and consultants, alongside the BuildSpace Pro estimating tool and the ProcureX procurement platform. Its site shows clients including Gamuda, PKNS and YTL Construction.
Malaysia-specific note
BuildSpace is a Kuala Lumpur product used on Malaysian projects by developers and contractors such as Gamuda, PKNS and YTL Construction, according to its site. It covers tendering, estimating and progress evaluation, not LHDN e-invoicing, so pair it with accounting software for MyInvois submission.
Pros
- + Built for Malaysian developers, contractors and consultants
- + Covers cost preparation, tendering and progress evaluation
- + Estimating tool with built-in quantity surveyor procedures
- + Procurement platform (ProcureX) for suppliers and materials
Cons
- − No public prices: demo request only
- − Construction-only: no general accounting
- − No e-invoicing features described; needs separate accounting software
- − Aimed at project teams more than small trade firms
Cubicost by Glodon
Tier A · ListedBIM quantity takeoff and cost estimating (Cubicost TAS, TRB, TME, TBQ)
Cubicost is the 5D BIM cost-estimating suite of Glodon Company Limited, founded in China in 1998 and listed on the A-share market since 2010 (stock code 002410). Its Asia site lists a Malaysia office at Jaya One, Petaling Jaya, and case studies from Malaysian firms including WT Partnership and Sunline M&E. The suite includes TAS for quantity takeoff, TRB for rebar takeoff, and TME and TBQ.
Malaysia-specific note
Glodon's Asia site lists a Malaysia office in Petaling Jaya (+603 7931 6081) and Malaysian case studies from QS and M&E firms. Cubicost is a takeoff and estimating tool, not an LHDN MyInvois tool, so it pairs with accounting software for e-invoicing.
Pros
- + BIM quantity takeoff with built-in local measurement rules
- + 3D rebar takeoff (TRB) with auto-deduction
- + Works with Revit BIM models
- + Malaysia office in Petaling Jaya and Malaysian case studies
Cons
- − No public prices: demo request only
- − Estimating and takeoff only: no accounting or e-invoicing
- − Separate products per trade (TAS, TRB, TME, TBQ)
- − Aimed at quantity surveyors and estimators, not small trade firms
RIB CostX
Tier A · Listed2D and BIM takeoff with estimating spreadsheets live-linked to drawings
RIB CostX, first sold as Exactal CostX, is a takeoff, estimating and reporting product from RIB Software, which says it is part of Schneider Electric. It measures from 2D drawings, PDFs and 3D BIM models into live-linked estimating workbooks, and comes in Complete, Core and Quantify packages. RIB lists APAC offices in Australia, China, India and New Zealand but none in Malaysia.
Malaysia-specific note
RIB lists no Malaysian office, so Malaysian buyers get prices through RIB's global quote form. CostX is a takeoff and estimating layer only; it does no LHDN MyInvois or SST work, so pair it with local accounting software.
Pros
- + Takeoff from 2D drawings, PDFs and 3D BIM models
- + Estimating spreadsheets live-linked to drawings
- + Automatic revision handling
- + Standalone, network or cloud (CostX Cloud) licensing
Cons
- − No public prices: custom quote only
- − No Malaysian office listed by RIB
- − Estimating only: no accounting or e-invoicing
- − Aimed at quantity surveyors and estimators, not small trade firms
Globe3 ERP
Tier A · ListedERP with construction project accounting, progress claims and an LHDN e-invoice module
Globe3 ERP comes from TNO Systems Pte Ltd of Singapore, which says the business started in 2002, and is sold in Malaysia by Globe3 Systems Sdn Bhd from Damansara Heights, Kuala Lumpur. It targets construction, trading, manufacturing, field service, equipment rental and other industries. Globe3's Singapore site says it serves 1,200+ businesses.
Malaysia-specific note
Globe3 says its E-Invoice Malaysia module automates LHDN-compliant submissions and that it offers integration services for e-invoicing. Its construction module covers project costing, construction WIP accounting, progress and certified claims and subcontractor backcharges, with local sales from Globe3 Systems Sdn Bhd in Kuala Lumpur.
Pros
- + Construction project costing, WIP accounting and progress claims
- + Subcontractor approval, backcharges and a sub-con e-submission portal
- + E-Invoice Malaysia module for LHDN submissions
- + Malaysian office in Kuala Lumpur
Cons
- − No public prices
- − Full ERP scope is more than many small contractors need
- − E-invoice page does not detail consolidated or self-billed support
- − Developed by a Singapore company, sold locally by its Malaysian arm
IFCA MSC Berhad
Tier A · ListedMalaysian property and construction ERP vendor, listed on Bursa Malaysia
IFCA MSC Berhad is a Petaling Jaya-based software company, listed on Bursa Malaysia since July 2003 (stock code 0023). Its X-series suite includes ContractX for construction management, PropertyX for property developers, AccountX, HRX and an e-invoicing module. IFCA lists six offices in Malaysia plus offices in Singapore, China and Indonesia.
Malaysia-specific note
Malaysian-developed and headquartered in Petaling Jaya. IFCA says ContractX handles progress claims, certifications, retention and subcontractor purchase-on-behalf invoices, and that its ERP suite submits e-invoices to LHDN's MyInvois system through a direct API.
Pros
- + ContractX covers progress claims, variation orders, retention, subcontracts and purchasing
- + IFCA says its ERP suite, including ContractX, submits e-invoices to LHDN by direct API
- + Listed company that publishes annual and quarterly reports
- + Offices in Petaling Jaya, Penang, Johor Bahru, Kuantan, Kuching and Kota Kinabalu
Cons
- − No public prices: quote from IFCA only
- − Built for contractors running multiple projects; a large system for a sole trader
- − Construction, property, accounting and HR are separate products in the suite
Tenders & home services
The federal government’s official online procurement system for goods and services (ePerolehan), tender notices posted by the construction regulator CIDB, a subscription search and alert service for government agency tenders with past award records on its Pro plan (Tenderpanel), and a home-services marketplace where customers get quotes from vetted pros, including renovation firms (Recommend.my).
ePerolehan (Government eProcurement)
Tier A · ListedThe Malaysian federal government's online procurement system for goods and services
ePerolehan is the Government of Malaysia's official online procurement system, launched in 2000 under the MSC Electronic Government initiative and developed under the purview of the Ministry of Finance. Commerce Dot Com, which the government appointed to develop and operate it, says it covers federal procurement of goods and services from supplier registration and quotation requests through to contracts and payment.
Malaysia-specific note
Operated by Commerce Dot Com for the Government of Malaysia under an outsourcing model. Supplier registration, the registration guide and the supplier FAQ are on the ePerolehan portal; works contractors should also check each tender's CIDB grade requirements.
Pros
- + Official federal government procurement system, developed under the Ministry of Finance
- + Quotations, purchasing, contract management and payment in one system, per its operator
- + Operator Commerce Dot Com runs service centres and a training portal for users
Cons
- − Federal government procurement only, per its operator; other buyers advertise elsewhere
- − Suppliers must register before taking part; current fees not confirmed here
- − A procurement system, not a tender-alert service
CIDB e-Tender & N3C
Tier A · ListedTender notices from Malaysia's construction industry regulator, CIDB
The Construction Industry Development Board (CIDB) registers Malaysian contractors in grades G1 to G7. Its website posts tender notices among its announcements, such as rail station walkway and park-and-ride works notices in May 2026, and links to a separate e-Tender system at eiklan.cidb.gov.my. A further CIDB page lists overseas project opportunities under its international mission programme.
Malaysia-specific note
Contractors register and check their grade through CIDB's CIMS system. CIDB also says a levy of 0.125% applies to construction contracts worth more than RM500,000.
Pros
- + Run by the construction industry's statutory registration body
- + Tender notices on CIDB's site are open to read without logging in
- + CIDB publishes its contractor registration fees for each grade
Cons
- − The e-Tender site (eiklan.cidb.gov.my) did not load when checked on 30 September 2026
- − Notices are posted as images among general announcements, with little detail in text
- − Overseas listings page shows old entries, one closing in December 2019
- − Not a tender-alert or search service
Tenderpanel
Tier S · Published pricesMalaysian government tender search and alerts, filtered by licence category
Tenderpanel is a Malaysian subscription service that collects tenders and quotations from government agencies into one searchable database, with daily email alerts matched to a user's keywords and licences. It says it covers CIDB, MOF/KKM, UPKJ and PUKONSA requirements and links each notice back to the original. The Pro plan adds past award records and a contractor directory.
Malaysia-specific note
Built around Malaysian licence schemes: users filter by CIDB, MOF/KKM, UPKJ and PUKONSA registrations. Pro subscribers also get a public company page, which Tenderpanel says can bring inbound leads.
Pros
- + Prices for both plans published on its site
- + Daily email alerts matched to keywords and CIDB, MOF/KKM, UPKJ and PUKONSA licences
- + Each listing links back to the original government notice, per Tenderpanel
- + Pro plan shows past award winners, contract values and contract periods
Cons
- − Covers government agency tenders; no private-sector coverage stated
- − No operating company named on its About or Terms pages
- − Its terms say it does not warrant the accuracy or completeness of its information
Recommend.my
Tier A · ListedMalaysian home-services marketplace where customers get quotes from vetted pros
Recommend.my is run by RecomN Technologies Sdn Bhd of Petaling Jaya, which says it started in 2014 and also runs Sejasa.com in Indonesia. Customers post a request and receive quotes (up to five for complex projects) or book fixed-price services, across categories such as renovation, electrical, aircon, cleaning and repairs. Its homepage cites 10,000 vendors and 200,000 customers served.
Malaysia-specific note
Renovation and interior design pros must show CIDB certification to join, per Recommend.my. Kaodim, another Malaysian home-services marketplace, shut down in June 2022.
Pros
- + Pros pay a lead fee only when a customer exchanges contact details, per Recommend.my
- + Vetting checks SSM registration, owner ID and, for renovation work, CIDB certification
- + Customers paying online get protection up to RM100,000, which can reassure buyers
- + Payouts for online-paid jobs in 1-2 business days
Cons
- − Lead fee and commission rates are not published
- − Commission is charged on completed jobs on top of lead fees
- − Complex jobs go to up to five quoting pros, so price competition is direct
Construction insurance: Contractor’s All Risks
Contractors’ All Risks (CAR) cover from general insurers in Malaysia, with combined CAR/EAR (Erection All Risks) products from Zurich and Tokio Marine: Allianz General Malaysia (Allianz Group), Lonpac (LPI Capital group), Tokio Marine Malaysia and MSIG Malaysia (both part of Japanese insurance groups) and Zurich General Malaysia, whose sister company sells Shariah-compliant Takaful versions. MSIG’s current website has no CAR page. All are quote-based, with no published premium rates.
Allianz General Malaysia
Tier A · ListedContractors' All Risks cover from the Malaysian arm of the Allianz Group
Allianz General Insurance Company (Malaysia) Berhad is a wholly owned subsidiary of Allianz Malaysia Berhad, which is listed on Bursa Malaysia; the Allianz Group became the controlling shareholder in 2001. Its Contractors' All Risks policy covers damage to the contract works and third-party liability for the contract period. It is sold through agents and brokers or by contacting Allianz, which lists 30 branches nationwide.
Malaysia-specific note
Allianz says its CAR cover runs for the contract period in the Letter of Award, with optional extensions for construction plant and equipment, machinery, debris removal, professional fees and the principal's existing property. Allianz Malaysia states it is a PIDM member.
Pros
- + One policy covers material damage to the works and third-party liability
- + Optional cover for construction plant, machinery, debris removal, professional fees and the principal's existing property
- + Product Disclosure Sheets and proposal form downloadable in English and Malay
- + 30 branches nationwide, per Allianz Malaysia
Cons
- − No published premium rates; priced after a proposal form
- − No online purchase for CAR: through an agent, a broker or Allianz's contact form
- − Cover is written per contract, for the period in the Letter of Award
Lonpac Insurance
Tier A · ListedGeneral insurer in the LPI Capital group, with a Contractor's All Risks product
Lonpac Insurance is the general insurance subsidiary of LPI Capital Bhd, whose shares trade on Bursa Malaysia. In October 2024 Public Bank agreed to buy a 44.15% stake in LPI Capital from the late founder's family, and its follow-on general offer lapsed in January 2025 below the 50% acceptance level, per The Star and The Edge. Lonpac lists Contractor's All Risks among its engineering and machinery covers for businesses.
Malaysia-specific note
Contractor's All Risks sits under Lonpac's engineering and machinery covers for businesses. Ask a Lonpac agent or broker for the Product Disclosure Sheet and policy wording before comparing quotes.
Pros
- + Contractor's All Risks offered as a named business product
- + Parent LPI Capital is listed and reports its results publicly
- + Member of the General Insurance Association of Malaysia (PIAM)
- + Also writes business insurance in Singapore, through its own Singapore site
Cons
- − No published premium rates; quote required
- − The CAR web page gives little readable detail; ask for the Product Disclosure Sheet
- − No online purchase route for CAR found
MSIG Malaysia
Tier A · ListedMalaysian general insurer owned by Mitsui Sumitomo Insurance (MS&AD group)
MSIG Insurance (Malaysia) Bhd is a Kuala Lumpur-based general insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. It describes itself as a subsidiary of Mitsui Sumitomo Insurance and part of Japan's MS&AD group, and says it writes fire, engineering and motor business. Its current website lists fire, marine, cyber and SME package cover for businesses, but no Contractors' All Risks page was found.
Malaysia-specific note
Licensed under Malaysia's Financial Services Act 2013 and regulated by Bank Negara Malaysia; its site links PIDM's TIPS brochure. MSIG's earlier Contractors' All Risks page (under 'Other Commercial Insurance') now returns an error, so confirm the product with an agent or broker.
Pros
- + Subsidiary of Mitsui Sumitomo Insurance, part of Japan's MS&AD group, per MSIG
- + Writes engineering insurance, per its own company profile
- + Business products checked have Product Disclosure Sheets in English and Malay
Cons
- − No Contractors' All Risks page found on its current website
- − No published premium rates for commercial cover
- − CAR wording and extensions not available online; ask an agent or broker
Zurich General Malaysia
Tier A · ListedZurich's Malaysian general insurer, with CAR/EAR cover and Takaful versions
Zurich General Insurance Malaysia Berhad is part of the global Zurich Insurance Group, and Zurich Malaysia says its companies have branches in 30 locations nationwide. Its Contractors' All Risks / Erection All Risks policy covers civil works (CAR) or mechanical and electrical works (EAR). Sister company Zurich General Takaful Malaysia Berhad sells Contractor All Risks Takaful and Erection All Risks Takaful.
Malaysia-specific note
Contractors can choose a conventional policy (Zurich General Insurance Malaysia Berhad) or Takaful cover (Zurich General Takaful Malaysia Berhad). Zurich says CAR/EAR benefits are protected by PIDM up to limits.
Pros
- + One product covers civil works (CAR) or mechanical and electrical works (EAR)
- + Shariah-compliant Takaful versions from a sister company
- + Extensions include SRCC, inland transit, express freight, cross liability and extended maintenance
- + Product Disclosure Sheet and policy wording published on its website
Cons
- − No published premium rates; quote by enquiry form, branch or phone
- − Conventional and Takaful versions are separate products from separate companies
- − Bank Negara fined the insurer RM1,040,000 in January 2026 for sanctions-screening breaches
Tokio Marine Malaysia
Tier A · ListedTokio Marine group's Malaysian general insurer, with a combined CAR/EAR product
Tokio Marine Insurans (Malaysia) Berhad is a general insurer in Japan's Tokio Marine group and a member of the General Insurance Association of Malaysia (PIAM). Its website carries a combined Contractors' All Risks / Erection All Risks product page. In May 2026 Bank Negara Malaysia allowed RHB Bank to start talks on selling RHB Insurance to Tokio Marine for integration with its Malaysian business, per The Star and The Edge.
Malaysia-specific note
Bank Negara Malaysia allowed RHB Bank in May 2026 to start talks on selling RHB Insurance to Tokio Marine for integration with Tokio Marine's Malaysian business; the two groups had held earlier talks in 2019. No completed deal was reported by the end of September 2026.
Pros
- + Combined Contractors' All Risks / Erection All Risks product
- + Part of Japan's Tokio Marine group
- + Member of the General Insurance Association of Malaysia (PIAM)
Cons
- − No public premium rates found; quote-based
- − Ownership structure may change: merger talks with RHB Insurance began in May 2026
- − Ask for the Product Disclosure Sheet: policy details were not readable on its website
Payroll: EPF, SOCSO, EIS, PCB & HRDF
Payroll software for Malaysian statutory deductions (EPF/KWSP, SOCSO/PERKESO, EIS and PCB/MTD); SQL Payroll, Talenox and BrioHR also state HRDF levy handling. All of them are on LHDN’s list of payroll software whose PCB (MTD) calculation meets its specification: SQL Payroll, AutoCount Cloud Payroll (now branded AutoCount HRMS), Talenox, Kakitangan.com and BrioHR.
SQL Payroll
Tier S · Published pricesMalaysian payroll software on LHDN's MTD-compliant list, with EPF, SOCSO, EIS, PCB and HRDF
SQL Payroll is made by E Stream, the Shah Alam developer of SQL Account, and is sold as a cloud subscription or a permanent desktop licence. It calculates EPF, SOCSO, EIS, HRDF and PCB, produces the statutory forms and creates bank giro files for more than 25 Malaysian banks. LHDN's list of payroll software that meets its MTD calculation specifications (as at 29 September 2026) includes SQL Payroll, effective 19 July 2012.
Malaysia-specific note
Covers Malaysian statutory deductions (EPF, SOCSO, EIS, PCB, HRDF) and forms, with MyKad reader support. LHDN says employers using software on its MTD list need not obtain further verification of their tax-deduction calculations.
Pros
- + On LHDN's list of payroll software meeting its MTD calculation specifications
- + Published cloud prices from RM69 a month per company
- + Produces EPF Borang A, SOCSO Borang 2/3/8A, EA, CP39, CP22 and CP8D/Borang E
- + Bank giro payment files for more than 25 Malaysian banks
Cons
- − Cloud price tiers cap active staff at 20 or 50
- − Extra users cost RM59 each; billing period not stated
- − Permanent desktop licence price not published
AutoCount HRMS (formerly AutoCount Cloud Payroll)
Tier S · Published pricesAutoCount's cloud payroll and HR suite (now branded AutoCount HRMS) for Malaysian employers
AutoCount HRMS, sold by some dealers as AutoCount Cloud Payroll, is the cloud payroll and HR product of Auto Count Sdn Bhd of Petaling Jaya, which has developed accounting software since 1996. Its group holding company, Autocount Dotcom Berhad, listed on Bursa Malaysia in May 2023 and, news reports say, moved to the Main Market on 25 February 2026. AutoCount says it has about 300 authorised dealers and that more than 190,000 employees have used AutoCount HRMS since its May 2019 launch.
Malaysia-specific note
AutoCount says the system complies with LHDN, KWSP (EPF), SOCSO and EIS requirements and covers income tax (PCB), Zakat, Tabung Haji and ASN deductions and EA forms. Auto Count Sdn Bhd is on LHDN's list of payroll software providers whose computerised PCB (MTD) calculation meets LHDN's specification (effective 24 June 2014), so employers using it need no separate LHDN verification. Its plan table lists payroll posting to cloud accounting, which suits a contractor already keeping its books in AutoCount Cloud Accounting.
Pros
- + Free mode for payroll up to 3 employees (eLeave, eClaim, eAttendance up to 10)
- + Published plan prices
- + Covers EPF, SOCSO, EIS, PCB, Zakat and EA forms, AutoCount says
- + On LHDN's list of MTD-compliant payroll software providers
Cons
- − Premium plan starts at 5 headcount
- − Express plan is payroll only, billed yearly from 30 headcount
- − Prices exclude SST and, on dealer pages, implementation
- − Buyers may deal with a dealer rather than AutoCount directly
Talenox
Tier S · Published pricesCloud payroll, leave and claims for employers in Malaysia, Singapore and Hong Kong
Talenox is a cloud HR and payroll service run by Singapore-based Talenox Pte Ltd, with Malaysia, Singapore and Hong Kong editions. It sells self-serve plans online with published per-employee prices and a 30-day trial. Talenox says it is 'trusted by thousands of happy users'.
Malaysia-specific note
Talenox says it calculates EPF, SOCSO, EIS and PCB automatically, produces Borang EA and Borang E, supports HRDF and exports bank files for salary payment. Talenox Sdn Bhd is on LHDN's list of payroll software providers whose computerised PCB (MTD) calculation meets LHDN's specification (effective 20 December 2019). It suits a contractor with staff in Malaysia and also in Singapore or Hong Kong.
Pros
- + Published per-employee prices and a 30-day Suite trial
- + EPF, SOCSO, EIS, PCB, Borang EA and Borang E, Talenox says
- + On LHDN's list of MTD-compliant payroll software providers
- + Same service covers Singapore and Hong Kong staff
Cons
- − No free plan, only a 30-day trial
- − Minimum charge covers 5 employees
- − Cost rises with every active employee
- − Current low prices are a limited-time annual-plan offer
Kakitangan.com
Tier A · ListedMalaysian cloud payroll, leave, claims and attendance for small and growing employers
Kakitangan.com is a Malaysian cloud HR and payroll service run by Coastal Hectare Sdn Bhd of Kuala Lumpur, which says it is trusted by thousands of Malaysian businesses. News reports record a pitchIN equity crowdfunding round in 2016 and Series A funding from OSK Ventures International in January 2022. It sells payroll, leave, claims and attendance modules priced by employee count.
Malaysia-specific note
Kakitangan.com says it automates EPF, SOCSO, EIS and PCB deductions and generates the EA Form and Form E automatically. Coastal Hectare Sdn Bhd (Kakitangan.com) is on LHDN's list of payroll software providers whose computerised PCB (MTD) calculation meets LHDN's specification (effective 3 November 2017).
Pros
- + EPF, SOCSO, EIS and PCB in every payslip, Kakitangan says
- + Automatic EA Form and Form E
- + On LHDN's list of MTD-compliant payroll software providers
- + Payroll, leave, claims and attendance in one platform
Cons
- − No fixed prices in page text; cost comes from an online calculator
- − Larger organisations must ask sales for enterprise pricing
- − HRDF levy handling not mentioned on the payroll page
- − FAQ refers to 1-year subscription periods
BrioHR
Tier S · Published pricesMalaysian modular HR suite, from recruitment and onboarding to payroll
BrioHR is a modular cloud HR suite from BrioHR Sdn Bhd of Kuala Lumpur, which says it has operated since 2018 and serves over 1,000 organisations. News reports in May 2025 said it raised a US$6.5 million Series A to expand in ASEAN. Payroll and the payroll bundles are sold for Malaysia and Singapore only.
Malaysia-specific note
BrioHR says it calculates EPF, SOCSO, EIS, HRDC levy and PCB automatically and prepares EA, PCB2(II), CP39, Form E and CP8D, plus bank files. BrioHR Sdn Bhd is on LHDN's list of payroll software providers whose computerised PCB (MTD) calculation meets LHDN's specification (effective 17 February 2020).
Pros
- + Published module and bundle prices
- + Prepares EA, CP39, Form E and CP8D, BrioHR says
- + Covers the HRDC levy as well as EPF, SOCSO, EIS and PCB
- + On LHDN's list of MTD-compliant payroll software providers
Cons
- − Minimum charge of USD50/month
- − Prices shown in USD rather than ringgit
- − Recruitment and onboarding modules start at USD120/month
- − A broad suite is more than a payroll-only buyer needs
Compliance & official bodies
The official bodies a Malaysian contractor deals with: SSM for business or company registration, LHDN for tax registration, PCB and MyInvois, CIDB for contractor registration (G1-G7) and the Green Card for site personnel under Act 520, the Board of Engineers (BEM) where a job needs engineering submissions, and employer registration with EPF, SOCSO/PERKESO and, at 10 or more employees in a covered industry, HRD Corp.
CIDB Malaysia
Official body / regimeMandatory contractor registration and Green Card for construction personnel under Act 520
The Construction Industry Development Board (CIDB, or LPIPM) registers contractors under the Construction Industry Development Board Act 1994 (Act 520). Contractors apply through the CIMS portal and receive a PPK registration certificate by grade (G1 to G7) and category, plus an SPKK certificate for government works. CIDB also registers construction personnel, who receive the Green Card.
Malaysia-specific note
Section 25 of Act 520 requires every local and foreign contractor to register with CIDB, and Section 29 sets a fine of RM10,000 to RM100,000 for breaches. Under Section 33(1) construction workers, site supervisors and project managers must also be registered (Green Card), which needs a safety induction course (SICW or eSICW). The registration number must be shown on the signboard at each site.
What it covers
- + Registration lets a contractor tender for and carry out construction work legally
- + Grade sets the works limit, from RM200,000 (G1) to no limit (G7)
- + SPKK certificate opens government works, with no extra registration fee
- + Green Card holders get takaful benefits, CIDB says
Watch out for
- − Working unregistered risks a fine of RM10,000 to RM100,000
- − Registration must be renewed (1-3 years depending on CCD points)
- − Every site worker, supervisor and project manager needs a Green Card
- − Unpaid registration fees void an approval after 14 days
Board of Engineers Malaysia (BEM)
Official body / regimeStatutory board that registers engineers and engineering consultancy practices under Act 138
The Board of Engineers Malaysia (BEM) is the board established by section 3 of the Registration of Engineers Act 1967 (Act 138), in force since 23 August 1972. It keeps the register of engineers and of engineering consultancy practices and runs professional examinations, including the Professional Competency Examination (PCE). BusinessToday Malaysia reported in August 2026 that amendments to the Act were expected to reach Parliament in its next session.
Malaysia-specific note
Under Act 138 only a registered Professional Engineer or a registered engineering consultancy practice may submit engineering plans, drawings and designs to an authority, and only a Professional Engineer may use the title 'Ir.'. A contractor whose job needs engineering submissions must therefore use a BEM-registered engineer or practice. The Act has been amended since its 2006 reprint, so check BEM's current categories before relying on a sign-off.
What it covers
- + Registration is the legal basis for providing professional engineering services
- + Only registered Professional Engineers may use the title 'Ir.'
- + A firm can register as an engineering consultancy practice and charge for engineering work
- + Registered engineers and practices can submit plans and designs to authorities
Watch out for
- − Unregistered practice is an offence under the Act
- − Professional Engineer status needs Board-prescribed experience and an assessment
- − Registered engineers are subject to the Board's conditions and disciplinary powers
- − Further amendments to the Act are pending, news reports say
SSM (Companies Commission of Malaysia)
Official body / regimeRegistration of businesses, companies and LLPs in Malaysia
Suruhanjaya Syarikat Malaysia (SSM, the Companies Commission of Malaysia) sits under the Ministry of Domestic Trade and Cost of Living and administers the Companies Act 2016, the Registration of Businesses Act 1956 and the Limited Liability Partnerships Act 2012. Sole proprietorships and partnerships register through ezBiz, companies incorporate through MyCoID and LLPs register through MyLLP; companies file annual returns and financial statements through MBRS.
Malaysia-specific note
A contractor first sets up its legal form with SSM: a sole proprietorship or partnership under the Registration of Businesses Act, or a Sdn Bhd under the Companies Act. CIDB's rules refer to these registrations; for example, CIDB's facilities category (F) is open only to ROC-registered companies (Sdn Bhd or Bhd) and certain other bodies at grade G4 and above.
What it covers
- + Sets up the legal entity: sole proprietorship, partnership, company or LLP
- + Business registration costs RM30 or RM60 a year
- + Online registration through ezBiz, MyCoID and MyLLP
- + Company incorporation is a one-off RM1,000 fee
Watch out for
- − Business registrations must be renewed, with fees charged per year
- − Private companies lodge an annual return (RM150) and financial statements
- − Name reservation for a company costs RM50 per 30 days
- − A company limited by guarantee costs RM3,000 to incorporate
LHDN / IRBM (Inland Revenue Board)
Official body / regimeIncome tax registration, the MyTax portal, employer PCB duties and MyInvois e-invoicing
The Inland Revenue Board of Malaysia (LHDN, IRBM or HASiL) is the country's direct tax administrator under the Income Tax Act 1967. It runs the MyTax portal, including e-Daftar for tax registration, handles employers' monthly tax deduction (PCB/MTD) rules and runs MyInvois, the national e-invoicing system rolled out in phases by turnover from August 2024.
Malaysia-specific note
A company registers for a Tax Identification Number (TIN) through e-Daftar on MyTax (automatic for companies incorporated through SSM's MyCoID). Businesses with annual turnover up to RM5 million entered e-invoicing on 1 January 2026, but under LHDN's e-Invoice Guideline (version 4.8, 30 August 2026) those below RM3 million are exempt unless a shareholder company, holding company, related company or joint venture has turnover of RM3 million or more. For the up-to-RM5 million phase an interim relaxation runs until 31 December 2027, allowing consolidated e-invoices and no Section 120 prosecution for taxpayers who meet its conditions. See our MyInvois guide for the construction specifics.
What it covers
- + TIN registration online through e-Daftar on MyTax
- + Companies incorporated through MyCoID receive a TIN automatically
- + Businesses under RM3 million turnover are exempt from e-invoicing, subject to group rules
- + Interim relaxation until 31 December 2027 for the up-to-RM5 million phase
Watch out for
- − Group, shareholder and related-company turnover can remove the RM3 million exemption
- − e-Invoice non-compliance can lead to prosecution under Section 120 of the Income Tax Act 1967
- − Employers carry monthly PCB/MTD duties as well as annual filing
- − e-Invoice rules change often (Guideline 4.8 and Specific Guideline 4.9 were issued in August-September 2026)
EPF / KWSP
Official body / regimeMandatory employer registration and monthly retirement-savings contributions
The Employees Provident Fund (EPF, or KWSP) is the statutory retirement-savings fund under the Employees Provident Fund Act 1991. Employers must register with the EPF and pay monthly contributions, covering both the employer and employee shares, for their employees. News reports say contributions became mandatory for non-Malaysian employees from October 2025 wages, at 2% each from employer and employee.
Malaysia-specific note
Under section 41 of the EPF Act 1991 an employer must register with the EPF before the end of the first week of the first month in which it pays wages that attract contributions, and must then pay contributions every month. The 2006 reprint of the Act sets up to three years' imprisonment or a fine of up to RM10,000 for failing to register or to pay. Contractors with foreign workers should check the current rules for non-Malaysian employees, which the Cabinet was reviewing in July 2026, news reports say.
What it covers
- + Registering lets an employer hire and pay staff in line with the EPF Act
- + Contributions build employees' retirement savings in the Fund
- + Employer and employee may choose to contribute above the statutory rate (s.43(3))
Watch out for
- − Registration is due within the first week of the first month wages are paid
- − Contributions are due every month for every covered employee
- − Failing to register or pay can bring a fine of up to RM10,000 or imprisonment
- − Wage records must be kept for at least six years
SOCSO / PERKESO
Official body / regimeMandatory social security (SOCSO) and Employment Insurance (EIS) registration for employers
PERKESO (the Social Security Organisation, SOCSO) runs the Employment Injury and Invalidity schemes under the Employees' Social Security Act 1969 and the Employment Insurance System (EIS) under the Employment Insurance System Act 2017. Every employer with one or more employees must register and pay contributions, which it does online through the ASSIST portal. News reports say foreign workers were brought under SOCSO from January 2019 and under the Invalidity Scheme in 2024.
Malaysia-specific note
Employers register themselves and their workers (Borang 1 and 2, with a separate form for foreign workers) through ASSIST, pay contributions by the 15th of the following month and must report work accidents within 48 hours. Since 1 October 2024 contributions are calculated on wages up to RM6,000 a month. The newer LINDUNG 24 Jam scheme for accidents outside working hours is paid by employees, optional for Malaysians and mandatory for foreign workers, PERKESO says. The CIDB Green Card's takaful benefits are separate from SOCSO cover.
What it covers
- + Employment injury, invalidity and job-loss (EIS) cover for employees
- + Registration and payment online through ASSIST, with payment also by the PRIHATIN app
- + Foreign workers are covered under the Employment Injury and Invalidity schemes, news reports say
- + Several payment channels, including FPX, direct debit and bank counters
Watch out for
- − Contributions due by the 15th of each month; late payment carries 6% a year interest
- − Work accidents must be reported within 48 hours
- − Non-payment can bring up to two years' imprisonment or a RM10,000 fine (2006 text of the Act)
- − Statutory scheme: covered employers cannot opt out
HRD Corp
Official body / regimeTraining-levy registration for employers under the PSMB Act 2001
HRD Corp (Pembangunan Sumber Manusia Berhad) collects the human resources development levy under the Pembangunan Sumber Manusia Berhad Act 2001 and uses it to fund training for registered employers. The Act's coverage was extended to further industries from 1 March 2021. The minister said in August 2025 that over 100,000 employers and 4.8 million employees were registered, NST reported.
Malaysia-specific note
Employers with 10 or more employees in a covered industry must register with HRD Corp and pay the monthly levy, which registered employers can then draw on for training. Since the March 2021 expansion covered further industries, a growing contractor should check whether it has passed the threshold. In September 2026 the High Court dismissed a Malaysian Bar challenge to the levy, NST reported.
What it covers
- + The levy can fund training for the employer's own staff
- + Registered employers can use 'HRD Corp claimable' training programmes
- + HRD Corp approved RM2.62 billion of financial assistance in 2025, NST reported
Watch out for
- − Registration is compulsory at 10 or more employees in covered industries
- − The levy is a monthly cost based on wages
- − Management changed in 2026 after PAC and MACC findings, news reports say
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