Credits, Payments, and Wallets
How platform credits, LHDN stamp duty payments, and exemption credits work together.
Kenal Stamps uses a triple wallet system. Each wallet serves a different purpose and is funded separately.
The Three Wallets
| Wallet | What it's for | Cost per contract | How to top up |
|---|---|---|---|
| Service Credits | Platform processing fee | 1 credit | Purchase credit packages on the Billing page |
| Duty Wallet | Government stamp duty paid to LHDN | Varies by contract type and value | Bank transfer or online payment |
| Exemption Credits | Duty-exempt employment contracts only | 1 credit per exempt contract | Allocated by Kenal for qualifying organizations |
How They Work Together
When you confirm a contract, the system deducts from the appropriate wallets:
For a standard contract:
- 1 Service Credit (platform fee)
- RM X from the Duty Wallet (the stamp duty amount)
For an exempt employment contract (for example, salary at or below RM 3,000 for contracts dated 2026 onwards) that you choose to stamp:
- 1 Service Credit (platform fee)
- 1 Exemption Credit (instead of the Duty Wallet)
Note that a contract dated from 1 January 2026 with a monthly salary at or below RM 3,000 may not need stamping at all under HASiL's 7 August 2026 ruling. If you skip it, the contract is archived with no charge — no service credit, no duty, and no exemption credit. The exemption credit above only applies when you choose to submit and stamp the contract anyway.
For full details on what qualifies as exempt or skippable, see Employment Contract Rules.
Checking Your Balances
You can see your balances in two places:
- The Service Credits and Duty Wallet cards at the top of your Dashboard
- The Billing page at
/dashboard/billing, which also shows your full transaction history
What Happens with Insufficient Balance
If any required wallet does not have enough balance when you try to confirm a contract, the confirmation will not go through. You will see an error message. Top up the relevant wallet and try again.
If you recall a confirmed contract, all wallet charges (service credits, duty, and exemption credits) are refunded in full.
Transaction History
You can view all wallet activity on the Billing page (/dashboard/billing). Filter by transaction type, date range, or contract reference to find what you need.