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Do e-Invoicing Right: Navigating E-Invoicing Compliance in Malaysia with Confidence

Doing e-invoicing right with Murtuza Furniturewala

By Murtuza Furniturewala, COO & Co-Founder, Marmin Technologies

As Co-Founder and Chief Operating Officer of Marmin Technologies and with over 22 years of experience in ERP systems, process optimisation, and operations, I have seen firsthand the challenges businesses face when adopting new technologies, especially in compliance-driven areas like e-invoicing.

Today, I want to share my insights on navigating Malaysia’s e-invoicing journey as the country moves into Phase 2 of its rollout for medium-sized businesses with annual turnovers between RM25 million and RM200 million. With penalties for non-compliance set to begin in July 2025, time is of the essence, and businesses must act now to avoid disruptions and unnecessary stress.

What are the Penalties?

The penalty for non-compliance includes a fine ranging from RM200 to RM20,000, or imprisonment for up to 6 months, or both, for each instance of non-compliance. These penalties are worrying Malaysian businesses yet they are challenged to implement e-invoice. Let's understand their frustrations.

Understanding the Challenges

Businesses often tell me that they feel overwhelmed by the technical and regulatory requirements of e-invoicing. And that is completely understandable—there are three main challenges that most organisations face:

  1. Outdated ERP Systems
    Many businesses run on legacy systems that were implemented years ago and are not equipped for modern integration. If your ERP has not been updated or optimised, it may not have the capabilities to meet e-invoicing requirements.

  2. Limited Technical Expertise
    Most businesses are not tech giants. They do not have teams that understand both the technical side of integration and the specific tax regulations of their country. This gap can make compliance seem daunting.

  3. Unique Government Mandates
    Each country’s e-invoicing regulations are different, and they are constantly evolving. Malaysia’s requirements, for example, are unique and need careful consideration to avoid errors or penalties.

 

Timestamp

01:21  Who is Marmin and Murtuza's role in the company
04:21  Penalties for non-compliance with e-Invoicing in Malaysia
05:44  Why companies are finding it so challenging to implement e-Invoicing
08:22  Murtuza's take on Build v.s. Buy
10:58  How does Marmin manage security concerns?
13:00  Case study of one of Marmin's clients with multiple systems
16:00  Can small businesses also benefit from Marmin's services?
17:20  Top 3 benefits of starting e-Invoicing earlier
19:36  Summary of the crucial steps needed to do e-Invoicing
20:35  Marmin's Checklist for businesses on their e-Invoicing journey
24:05  What should businesses do if they are interested in Marmin's services?
24:46  Final thoughts from Murtuza

Build vs Buy: What’s the Right Choice?

I often hear companies debating whether they should build their own e-invoicing solution or buy an existing platform. While it’s possible to build, there are also other practical concerns to take into account.

To build a system in-house, you need:

  • A highly skilled tech team to manage 24/7 connectivity with the government’s tax portal, handle error processing, and ensure uptime.
  • Experts who understand both tax regulations (like SST in Malaysia) and e-invoicing requirements to ensure 100% compliance.
  • The ability to continuously update your system as the government introduces new guidelines.

Building a system takes significant time, resources, and money—and it does not end there. Once the system is live, you will need to maintain it and adapt as regulations evolve.

At Marmin, we make this process seamless. We connect directly to your ERP, whatever its current state. If your ERP is outdated or does not support integration, we offer alternative solutions like data mapping, SFTP connections, and even a web app for manual or batch uploads.

The Importance of Security

One of the most common concerns I hear is about data security, and rightly so. E-invoicing involves critical business data, and you need a provider you can trust.

At Marmin, we are SOC 2 and GDPR certified, which means we adhere to the highest standards of data security. We ensure data localisation, meaning your data is stored on local servers—whether you are in Malaysia, Saudi Arabia, or anywhere else. We encrypt your data both at rest and in transit, and we maintain multiple backups to safeguard against data loss.

Whichever e-invoicing provider you choose, make sure they meet these standards. Your data is your revenue, and it requires the best protection.

Real-World Solutions: Helping Businesses Simplify Compliance

Let me share an example of how we helped a company in Saudi Arabia overcome e-invoicing challenges. This business had seven different systems—some on HANA, others on SQL, Oracle, and even custom-built platforms. Integrating all these systems seemed like an impossible task.

Here’s what we did:

  • For the HANA and SQL systems, we provided API and SFTP integrations.
  • For their outdated platforms, we created a data-mapping solution to convert their data into compliant formats.
  • For their low-volume invoicing needs, we enabled direct entry through our web app.

In the end, we brought all seven systems into compliance without the need for a complete overhaul. This is the flexibility Marmin offers.

Flexible Solutions for Businesses of All Sizes

Our platform is not just for large enterprises. Smaller businesses, too, can benefit from Marmin’s capabilities. If you don’t have an ERP system or only issue a few invoices a month, you can use our web app to create invoices manually or upload an Excel file.

Whether you are a multinational corporation or a small business, we tailor our solutions to fit your needs.

Why Start Now?

Many businesses see e-invoicing as a burden, but it is actually an opportunity. Here are some benefits of starting early:

  1. Faster Tax Reconciliation: Know your tax liability in real time, eliminating the delays and errors of manual calculations.
  2. Transparency: Build trust with vendors and customers through verifiable, legitimate invoicing.
  3. Digital Transformation: E-invoicing is a stepping stone toward full digitisation, improving efficiency across your business.

Starting early also gives you time to train your teams, iron out any issues, and ensure a smooth transition before the July 2025 deadline.

 Crucial Steps for Businesses on their E-Invoicing Journey

E-invoicing compliance is here to stay, and with the clock ticking, businesses have about 5 months to implement their e-invoice. Get started with the right support and take it step by step. Start early so you are not left to join the rush towards the deadline. Here are the key steps businesses need:

  • Understand the Mandate and Implementation Timeline
  • Assess your business requirements
  • Choose the right e-invoicing model
  • Prepare your system - processes, people and technology
  • Train employees

What Marmin Technologies Does

At Marmin, we specialise in helping businesses navigate e-invoicing compliance globally and locally. E-invoicing is a global challenge, with countries like Saudi Arabia, the UAE, Singapore, and parts of Europe and the US already mandating it. Our SaaS-based platform ensures compliance no matter where you operate.

If you are a Malaysian company looking for local compliance, we have got you covered. If you are part of a multinational organisation with operations across multiple countries, we can seamlessly integrate your systems to comply with varying regulations worldwide.

As COO, my role is to ensure that we guide customers through their e-invoicing journey. I focus on understanding their existing systems, identifying gaps, and implementing solutions that ensure compliance while aligning with their business goals.

How to Get Started

If you are in Malaysia and need help with e-invoicing, here’s what you can do:

  1. Visit our website: marmin.ai/malaysia.
  2. Download our E-Invoicing Checklist for step-by-step guidance to assess your current and future readiness for e-invoicing in terms of people, processes and technology. 
  3. Book a free consultation or demo.

We will assess your systems, recommend the best solution, and get you up and running in no time. Some of our clients have been fully integrated within two weeks—yes, it is that fast when you have the right partner.

Final Thoughts

E-invoicing is inevitable, and waiting until the last minute will only create more stress. My advice? Start now. The sooner you begin, the smoother your journey will be.

At Marmin, we’re here to make compliance simple, scalable, and secure. Let’s work together to turn this challenge into an opportunity for growth.


Want to learn more? Visit marmin.ai/malaysia and schedule your free consultation today.

About the speaker

Murtuza Furniturewala, COO and co-founder of Marmin Technologies

As co-founder and COO of Marmin Technologies, Murtuza Furniturewala brings over 22 years of experience in driving large-scale operational efficiency. With a strong background in ERP systems and process optimisation, Murtuza has led numerous successful technology implementations, focusing on transforming business operations through seamless integration and strategic execution. At Marmin, his expertise lies in ensuring smooth e-invoicing implementations that enhance scalability and efficiency for businesses. His leadership is instrumental in helping companies streamline processes, making him the go-to figure for operational transformation.

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Marmin's e-invoicing checklist helps businesses assess their current and future readiness for e-invoicing, evaluating people, processes and technology for seamless compliance and efficiency.

Download e-invoicing checklist | Marmin technologies

About Marmin

Marmin Technologies, a leader in e-invoicing and compliance solutions, is now operating in Malaysia as Marmin Technologies Sdn. Bhd. After achieving success in the Middle East, particularly Saudi Arabia, Marmin brings its government-compliant e-invoicing systems to support Malaysia's digital transformation. Trusted by global brands like Lenovo, Hitachi Veritas, Palo Alto Networks and Ethiopian Airlines, Marmin delivers reliable, secure solutions while building long-term relationships with local businesses, enhancing regulatory compliance and operational efficiency.

Want to know more about Marmin's e-Invoicing, reach out to us at my.support@marmin.ai