"Kum Cheng" means relationship in Hokkien (Chinese dialect). Most bad debts, late payments in SMEs businesses starts from relationships. KumCheng.com or Keypler.com is a software that assures vendors receive payments upon milestones achieved or work completion, which helps 1. Reduce the chances of late or non payments from your clients. 2. Helps you to monitor your multiple tranches in payment. 3. Releases your payments to your vendors only when contracts are fulfilled or good received. 4. Simplify your company’s disbursement process.