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Payment technology, built in-house since 2012

One payment engine behind schools, merchants, agencies and enterprises.

Orijin is the payment technology brand of CPro Solutions Sdn Bhd. We build and run the cards, apps, terminals, gateways and reconciliation that move money for banks, government agencies and businesses — and for more than 260 schools nationwide — all on payment technology we own.

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BSN and Orijin School Implementer of BSN’s nationwide cashless school programme since November 2024.
Orijin app showing a family wallet and cards
Orijin EDC terminal used by merchants and school canteens
260+ schools using Orijin terminals More than 200 secondary and 60 primary schools nationwide, as at September 2026.
RM15bn+ processed by our payment system in 2025 Value processed through CPro Solutions’ proprietary payment system during 2025.
5M+ gateway transactions a year Orijin online payment gateway processes more than 5 million transactions worth about RM6 billion annually.
2012 our platforms in production since Our gateway and SELARI® platform have served government agencies and large corporates since 2012.

Figures from CPro Solutions’ September 2026 corporate profile. School count as at September 2026.

Products & platforms

Everything we build, on one payment engine.

Built in-house on a single code base — the terminal at a counter, the gateway online, the school card and the reconciliation in finance all speak to each other.

All products
School

BSN Orijin School app

The parent app and wallet behind BSN’s cashless school programme: top up, set daily limits, see every purchase and every attendance tap.

View BSN Orijin School app
School

Orijin School Card

A contactless (NFC) student card that works as a cashless payment card and an attendance pass, controlled from the parent app.

View Orijin School Card
Payments

Orijin EDC & Soundbox terminals

Android payment terminals for canteens, bookshops and merchants, plus Soundbox terminals for attendance and outing taps — all managed remotely.

View Orijin EDC & Soundbox terminals
Payments

Orijin Gerbang payment gateway

Our own online payment gateway: FPX, DuitNow, eMandate, cards and e-wallets through one integration, with fraud management and reconciliation built in.

View Orijin Gerbang payment gateway
Enterprise

SELARI® cash management & treasury

An enterprise platform that automates reconciliation, virtual accounts and payment operations for finance and treasury teams.

View SELARI® cash management & treasury

Not sure where to start?

Browse solutions by the problem you need to solve — from canteen queues to month-end reconciliation.

Browse solutions

Who uses Orijin

One platform, many organisations.

From merchants and government agencies to banks, schools, parents and students — the same payment engine serves them all.

Merchants & SMEs · PKS

Card, contactless and QR acceptance with a merchant portal.

Agencies & enterprises · Agensi

Payment gateway, collections and SELARI® reconciliation since 2012.

Banks & programme operators · Bank

We implement and operate acquiring and collection programmes, including BSN’s cashless schools.

Canteens & bookshops · Peniaga

A counter terminal, a receipt for every sale and settlement to the bank.

Schools & administrators · Sekolah

Cashless canteen, attendance, outing records, fee collection and card issuance.

Students · Murid

One NFC card to pay at the canteen and bookshop and to record attendance.

Parents · Ibu bapa

Top up, set a daily limit and see every purchase and attendance tap.

Teachers · Guru

OrijinGuru and a staff card connect teachers to the same programme.

Payments & enterprise

Payment infrastructure for agencies and enterprises.

Long before Orijin School, our gateway and SELARI® treasury platform were processing payments for government agencies and large corporates. MARA has used our cash management platform since 2014.

  • Orijin Gerbang — FPX, DuitNow, eMandate, cards and e-wallets; 5M+ transactions a year.
  • SELARI® — automated 3-way reconciliation, virtual accounts and centralised payments.
  • Custom builds — white-label e-wallets and gateways.
Talk to our enterprise team Explore SELARI®

Our own technology, five core layers

  1. Payment transaction processing

    Authorisation and routing for card, QR, e-wallet and online banking payments.

  2. Clearing & settlement

    Net settlement calculation and pay-outs to merchant bank accounts.

  3. Payment account management

    Wallets, virtual accounts and supplementary (child) accounts with limits.

  4. Transaction reconciliation

    Automated matching of transactions, bank statements and ledgers.

  5. Key management & cryptography

    Key handling and secure issuance for payment devices and cards.

For schools · Orijin School

A complete cashless school ecosystem.

Student cards, the parent app, canteen terminals and attendance — every tap, top-up and record in one loop. Select a participant to see what flows between them and the Orijin platform.

Explore the school ecosystem
Wallets · cards · payments
attendance · notifications · reports
Orijin platformWallets, cards, payments, attendance, notifications and reports — every participant connects here.

Murid

Student

Orijin School Card
  • Taps the card to pay at the canteen, bookshop or co-op
  • Taps in and out on the Soundbox for attendance and outings
  • Spends within the daily limit set by a parent

Data & money flow: Card taps send payment and attendance events to the platform.

Learn more

Ibu bapa / Penjaga

Parent

BSN Orijin School app
  • Tops up the family wallet
  • Sets a daily limit for each child
  • Sees purchases and attendance, with notifications
  • Pays school fees and submits outing requests
  • Buys and manages student cards

Data & money flow: Receives transactions and attendance; sends top-ups, limits and requests.

Learn more

Guru

Teacher

OrijinGuru app · Orijin School Card
  • Uses OrijinGuru, the teacher app of the BSN Orijin School programme (since 8 June 2026)
  • Can hold an Orijin School Card (Guru) for cashless purchases at school

Data & money flow: Connects teachers to the same programme as students and parents.

Learn more

Pentadbir sekolah

School administration

Orijin School system
  • Oversees attendance and outing records
  • Collects school fees through the app
  • Coordinates card issuance for students and staff
  • Approves the school’s participation with the JPN

Data & money flow: Receives attendance, outing and fee records for the school.

Learn more

Kantin & kedai buku

Canteen & bookshop

Orijin EDC terminal · Merchant Portal
  • Accepts student cards, bank cards and QR payments
  • Prints a receipt for every sale
  • Views sales in the Merchant Portal
  • Receives settlement to a registered bank account

Data & money flow: Sends sales; receives settlement and reports.

Learn more

BSN · Boost

Bank & e-wallet

BSN programme · licensed e-money issuer
  • BSN runs the cashless school programme with CPro Solutions as implementer
  • Wallet balances are e-money with a licensed issuer
  • BSN and CIMB Master Merchant Programme for acquiring

Data & money flow: Holds e-money balances; settles card and wallet payments.

Learn more

FPX · DuitNow · Kad

Payment networks

Orijin Gerbang gateway
  • FPX and DuitNow for online banking top-ups and fees
  • Visa and Mastercard card payments
  • E-wallet aggregation

Data & money flow: Carries top-ups, fee payments and card transactions.

Learn more

KPM · JPN

Education authorities

Programme governance
  • KPM granted BSN a blanket approval for Program Sekolah Tanpa Tunai 2026
  • Each school needs JPN and school-head permission

Data & money flow: Approves and governs the programme. Not a system integration.

Learn more

A day at an Orijin school

What it looks like from 7am to bedtime.

An illustrative day for a student and her mother, using features that are live in the BSN Orijin School programme today.

Morning

Arrival

Aisyah taps her card on the Soundbox at the school entrance. Her mother gets an attendance notification.

Recess

Canteen

She buys breakfast by tapping her card on the canteen EDC. The amount comes off today’s limit and shows in the app.

Afternoon

Bookshop

An exercise book from the school bookshop — paid the same way, with a printed receipt.

Weekend

Outing

For boarding students, outings are requested in the app and recorded with a tap on the way out and back.

Evening

At home

Her mother tops up the wallet, adjusts tomorrow’s limit and pays the school fee in the same app.

Any time

Behind the scenes

The canteen operator checks sales in the Merchant Portal; settlement goes to the operator’s bank account.

Featured case study

Running BSN’s cashless school programme on Orijin School

CPro Solutions is BSN’s implementer for the cashless school programme. Orijin School — student cards, the parent app, canteen terminals and attendance terminals — now runs in more than 200 secondary and 60 primary schools.

260+schools with Orijin terminals installed and in use
200+secondary schools
60+primary schools
Read the case study
BSN Orijin School app card list and modules
Student card being tapped on Orijin terminals Orijin Soundbox attendance terminal
Government agency·Client since 2014

Digitalising MARA’s payment, collection and reconciliation flow

Since 2014 MARA has used our cash management and treasury platform to run payments and disbursements, reconciliation, monitoring and collection — including MARA virtual accounts and MARA BKWInvest.

Read the case study
Government-linked · Financing·Client since 2017

Powering MARAeps, MARA’s official electronic payment portal

Since 2017 the Orijin gateway has powered payments for MARAeps, the official MARA electronic payment system, delivered with Rural Capital — for education loans, business financing and premises rental.

Read the case study
Telecommunications·Client since 2021

Building a national telco’s own e-wallet and payment gateway

CPro Solutions carried out the full development of a white-label e-wallet and payment gateway, letting a national telco launch its own wallet and gateway without building one in-house or depending on third-party operators.

Read the case study

Security & compliance

Built to handle payments and children’s data responsibly.

Payments, e-money and student records demand more than a good interface. These are the controls behind Orijin.

PCI DSS compliant

Our payment gateway is built and operated to the Payment Card Industry Data Security Standard.

International standards

Services are designed to comply with ITSEC, ISO/BS/MS and PCI requirements.

Fraud & risk controls

Intelligent fraud prevention, integrated fraud monitoring and a formal risk management policy.

Licensed e-money partner

Orijin School wallet balances are e-money issued with a licensed e-money issuer, within Bank Negara Malaysia wallet limits.

eKYC for higher limits

Customer due diligence and electronic KYC are required before a wallet can be upgraded.

Master Merchant Programme

CPro Solutions participates in the Master Merchant Programme under BSN and CIMB.

Who we work with

Trusted by agencies, banks and businesses.

See all partners
  • MARA
  • Rural Capital · MARAeps
  • SPWP
  • BSN
  • CIMB
  • Boost
  • Yapeim Holdings
  • Yawatim
  • Zakat Melaka
  • Majlis Perbandaran Kubang Pasu
  • Klinik Utama
  • PayNet

Next step

Tell us what you need to run without cash.

Whether you are rolling out a cashless school, adding card payments at a counter or automating reconciliation, we will show you how it works with your systems.

Agencies & enterprises Payment gateway, collections and SELARI® treasury automation. Talk to our team Schools & programme operators Plan a cashless school deployment — cards, app, canteen and attendance terminals. Discuss a school deployment Canteens, shops & SMEs Apply for an Orijin EDC terminal and start accepting card and QR payments. Become a merchant