OMA is an all-in-one business payment platform that brings payroll, commission settlement, spending budgets and gift cards into a single company wallet.

Finance and HR teams stop juggling spreadsheets, bank portals and paper claims. Employees stop paying out of pocket and waiting weeks to be reimbursed. Every ringgit that leaves the company is issued, spent and reconciled in one place.

WHAT YOU CAN DO WITH OMA

Pay salaries in one tap
Import your payroll file, review it, release it. Net pay is calculated for you, digital payslips are generated automatically, and funds land in employee wallets in real time instead of days later. Every run is archived and searchable.

Settle commissions automatically
Built for flexible workforces — promoters, affiliates, KOLs, riders and crowdsourced contributors. Publish a task, let people claim it, approve the result, and commission is calculated and paid out on the spot. The full trail from task to payout stays visible.

Replace expense claims with budgets
Set a budget before the spending happens instead of chasing receipts after it. Allocate funds for travel, office supplies, marketing or training, restrict what the budget can be used for, and cap per-transaction or daily spend. Employees never need to advance their own money again.

Scan receipts with AI
Photograph a receipt and OMA reads the merchant, date, line items and total for you. Spend is matched against the budget and written off automatically, with the bill and the receipt cross-checked to keep claims honest. Unused budget is returned to the company when the budget closes.

Spend anywhere with company cards
Issue physical company cards backed by a global card network, so allocated funds can be spent directly at millions of merchants worldwide and online, in multiple currencies, with a push notification for every transaction. No withdrawals, no transfers, no reimbursement cycle.

Give and reward with gift cards
Create branded gift cards in any denomination, top them up, transfer them to a colleague or customer, and let recipients spend the balance. Ideal for staff perks, festive rewards, referral incentives and customer campaigns.

WHY TEAMS CHOOSE OMA

One platform — payroll, commission, budget and gift cards on the same balance, instead of four disconnected systems.
Real-time settlement — money is usable the moment it is released.
Spend control before the fact — purpose-restricted budgets and limits replace after-the-fact approval chains.
Full traceability — every allocation, transaction and receipt is recorded and exportable for finance.
Built for compliance — identity verification, risk controls and audit trails are part of the platform, not an afterthought.
Less manual work — automated calculation, matching and write-off remove most of the repetitive finance workload.

WHO IT IS FOR

Manufacturing, retail, technology and service companies paying salaries at scale
Delivery platforms, affiliate networks and agencies settling commission to non-payroll contributors
Any team managing travel, procurement, marketing or training spend across many employees
Companies running staff benefits, customer rewards and seasonal campaigns

FOR EMPLOYEES

Get paid the moment payroll is released
See your payslip and every transaction in the app
Spend company budget directly — no advancing your own money, no claim forms
Manage salary, commission and budget on one balance

OMA is operated by a Malaysia-based fintech company working with licensed local payment partners. Access is provided to registered business accounts and their members; identity verification is required before a wallet can be used.

Ready to move your company spending off spreadsheets? Download OMA and get in touch for a walkthrough at www.oma.xyz.