Payment gateway fees in Malaysia

Checked 4 November 2026 on each gateway's own pricing page

As of 4 November 2026, on a RM100 FPX payment the lowest published per-payment fees are Billplz Standard (RM0.75), PayEx SME (RM0.99), toyyibPay (RM1.00). On a RM100 local card payment they are Billplz Standard (RM1.50), toyyibPay with card add-on (RM1.50), PayEx SME (RM1.70). Some of these plans charge a yearly or monthly fee, which changes the order.

The cheapest gateway for you depends on how your customers pay. Enter your sales below to compare 15 plans from their own published rates.

What would you pay each month?

How your customers pay, in % of sales

Curlec Premium costs the least a month of 10 ranked plans: RM356.40, after RM999.00 once to start. With no setup fee, Billplz Standard costs RM375.75 a month.

Curlec Premium costs the least a month of 10 ranked plans: RM356.40, after RM999.00 once to start. With no setup fee, Billplz Standard costs RM375.75 a month.

On RM24,000.00 of sales, from each gateway's own published rates. Check the gateway's page before you sign up.

Monthly fees by gateway, lowest first
GatewayFees a monthOf sales
Curlec Premiumplus RM999.00 once to startRM356.401.48%
Billplz Standardincludes RM83.25 plan feeRM375.751.57%
PayEx StarterRM386.401.61%
Billplz BasicRM389.101.62%
CHIPRM390.101.63%
PayEx SMEincludes RM88.00 plan feeRM411.701.72%
Curlec BasicRM424.801.77%
Fiuu (formerly Razer Merchant Services)includes RM8.25 plan feeRM444.751.85%
senangPay Advanceincludes RM29.08 plan feeRM461.081.92%
HitPayRM543.602.27%

Not ranked: toyyibPay (no published rate for Local cards, E-wallets); toyyibPay with card add-on (no published rate for E-wallets); Stripe (no published rate for E-wallets); senangPay Starter (no published rate for Local cards); Airwallex (no published rate for FPX personal banking, E-wallets).

Every plan, with its source

  1. Billplz Basic

    No monthly or yearly fee

    FPX personal banking
    RM1.25
    Local cards
    1.8%
    Foreign cards
    Not published
    E-wallets
    1.5%
    DuitNow QR
    Not published

    Payout. FPX next business day, cards T+2.

    SST. The page does not say.

    Cards 1.8% when paid in ringgit, 3.8% in other currencies. Billplz prices by currency, not card origin, so it is not compared for foreign cards.

    Source: Billplz pricing

  2. Billplz Standard

    RM83.25 a month in plan fees

    FPX personal banking
    RM0.75
    Local cards
    1.5%
    Foreign cards
    Not published
    E-wallets
    1.5%
    DuitNow QR
    Not published

    Payout. FPX next business day, cards T+2.

    SST. The page does not say.

    RM999 a year. Cards 1.5% when paid in ringgit, 3.5% in other currencies, so it is not compared for foreign cards.

    Source: Billplz pricing

  3. toyyibPay

    No monthly or yearly fee

    FPX personal banking
    RM1.00
    Local cards
    Not published
    Foreign cards
    Not published
    E-wallets
    Not published
    DuitNow QR
    Not published

    Payout. FPX 1 to 4 business days.

    SST. The page does not say.

    Cards need the paid card add-on (next row). DuitNow QR is listed as "1.00% or RM 1.00" without saying which applies, so it is left out.

    Source: toyyibPay pricing

  4. toyyibPay with card add-on

    RM8.33 a month in plan fees, RM100.00 to start

    FPX personal banking
    RM1.00
    Local cards
    1.5%
    Foreign cards
    3.5%
    E-wallets
    Not published
    DuitNow QR
    Not published

    Payout. FPX 1 to 4 business days, cards 4 business days.

    SST. The page does not say.

    RM100 to start the card add-on, then RM100 a year from year 2. The monthly figure spreads the yearly fee.

    Source: toyyibPay pricing

  5. Stripe

    No monthly or yearly fee

    FPX personal banking
    3% + RM1.00
    Local cards
    3% + RM1.00
    Foreign cards
    4% + RM1.00
    E-wallets
    Not published
    DuitNow QR
    Not published

    Payout. Not stated on the pricing page.

    SST. No SST on processing fees, says the page.

    Add 2% when Stripe converts the currency. GrabPay is priced, but Touch 'n Go is not, so e-wallets are left out.

    Source: Stripe Malaysia pricing, Stripe local payment methods, Stripe tax on fees (Malaysia)

  6. HitPay

    No monthly or yearly fee

    FPX personal banking
    1.8% + RM0.40
    Local cards
    1.2% + RM1.00
    Foreign cards
    3% + RM1.00
    E-wallets
    1.9%
    DuitNow QR
    1.2%

    Payout. FPX T+1, DuitNow T+2, cards from T+1.

    SST. The page does not say.

    GrabPay 2% and ShopeePay 2.2%. Add 2% on foreign-currency payments.

    Source: HitPay Malaysia pricing

  7. Fiuu (formerly Razer Merchant Services)

    RM8.25 a month in plan fees

    FPX personal banking
    1%, min RM1.20, max RM2.00
    Local cards
    2% + RM0.45
    Foreign cards
    4.01% + RM0.84
    E-wallets
    1.5%
    DuitNow QR
    1.05%

    Payout. Cards and DuitNow weekly on Thursday, e-wallets T+2.

    SST. The page does not say.

    RM999 sign-up shown as waived. RM99 a year from year 2, spread per month here. Debit cards 1.79% + RM0.45. DuitNow QR is 1.40% when paid from a credit-linked account. Shopify merchants pay 0.25% more on every method.

    Source: Fiuu rate appendix (17 Aug 2026)

  8. senangPay Starter

    RM16.58 a month in plan fees

    FPX personal banking
    1.5%, min RM1.00
    Local cards
    Not published
    Foreign cards
    Not published
    E-wallets
    1.5%, min RM0.65
    DuitNow QR
    Not published

    Payout. Not stated on the pricing page.

    SST. The page does not say.

    RM199 a year. Online banking and e-wallets only.

    Source: senangPay fees

  9. senangPay Advance

    RM29.08 a month in plan fees

    FPX personal banking
    1.5%, min RM1.00
    Local cards
    2.5%, min RM0.65
    Foreign cards
    Not published
    E-wallets
    1.5%, min RM0.65
    DuitNow QR
    Not published

    Payout. Not stated on the pricing page.

    SST. The page does not say.

    RM349 a year. Foreign card rate is "based on packages".

    Source: senangPay fees

  10. Curlec Basic

    No monthly or yearly fee

    FPX personal banking
    1.5%, min RM1.00
    Local cards
    2.4%
    Foreign cards
    3.3%
    E-wallets
    1.5%
    DuitNow QR
    Not published

    Payout. Not stated on the pricing page.

    SST. The page does not say.

    Source: Curlec pricing

  11. Curlec Premium

    No monthly or yearly fee, RM999.00 to start

    FPX personal banking
    1%, min RM1.00
    Local cards
    2%
    Foreign cards
    3.1%
    E-wallets
    1.3%
    DuitNow QR
    Not published

    Payout. Not stated on the pricing page.

    SST. The page does not say.

    RM999 one-time setup.

    Source: Curlec pricing

  12. Airwallex

    No monthly or yearly fee

    FPX personal banking
    Not published
    Local cards
    1.9% + RM0.50
    Foreign cards
    3.8% + RM0.50
    E-wallets
    Not published
    DuitNow QR
    Not published

    Payout. Not stated on the pricing page.

    SST. Fees exclude SST where it applies, says the page. Not added here.

    The RM0.50 is charged per attempted or actual payment. FPX and DuitNow are not priced by name.

    Source: Airwallex Malaysia pricing, Airwallex fee schedule

  13. PayEx Starter

    No monthly or yearly fee

    FPX personal banking
    RM1.20
    Local cards
    2%
    Foreign cards
    2.8%
    E-wallets
    1.3%
    DuitNow QR
    Not published

    Payout. FPX and e-wallets 1 working day, cards 2.

    SST. The page does not say.

    Debit cards 1.20%.

    Source: PayEx pricing

  14. PayEx SME

    RM88.00 a month in plan fees

    FPX personal banking
    RM0.99
    Local cards
    1.7%
    Foreign cards
    2.65%
    E-wallets
    1.1%
    DuitNow QR
    Not published

    Payout. FPX and e-wallets 1 working day, cards 2.

    SST. The page does not say.

    RM88 a month. Debit cards 1.00%.

    Source: PayEx pricing

  15. CHIP

    No monthly or yearly fee

    FPX personal banking
    RM1.00
    Local cards
    2%
    Foreign cards
    3%
    E-wallets
    1.4%
    DuitNow QR
    1%

    Payout. FPX and DuitNow next day, cards and e-wallets 2 business days.

    SST. Added on top of the fees, says the page.

    Debit cards 1.0%.

    Source: CHIP pricing

Gateways that do not publish their fees

  • iPay88 (now ADAPTIS). No pricing page. Rates are quoted on request.
  • 2C2P. No published SME pricing.
  • Revenue Monster. Publishes a RM499 setup fee, but no transaction rates.

How we compare

  • FPX is the rate for payments from personal bank accounts (B2C). FPX from business accounts (B2B) costs more and is not compared.
  • Every rate comes from the gateway's own page. Comparison blogs often show old rates, so we do not use them.
  • Local cards use the credit card rate where a page lists credit and debit apart. Debit is often cheaper, as each row notes.
  • E-wallets use the Touch 'n Go eWallet rate where the page names it, else the page's general e-wallet rate.
  • A yearly fee is shown per month. A one-time setup fee is shown in the row, not in the monthly total.
  • SST is added only where the gateway's page says it is charged on top. See the customs industry guides (Guide on Financial Services, Version 2, 24 October 2025) for the rules. This is not tax advice.
  • A plan that does not publish a rate for a payment method in your mix is listed as not ranked, so it never looks free.

We are a software studio, not a payment provider. Confirm the rate with the gateway before you sign up.

Need payments in your app or booking page?

We build web apps and booking systems that take FPX, card and e-wallet payments, with the gateway that fits your sales. See what apps and systems cost in Malaysia and how Iterate Bookings works.

Book a free call

Questions

What is the cheapest payment gateway in Malaysia?
It depends on how your customers pay. As of 4 November 2026, on a RM100 FPX payment the lowest published fees are Billplz Standard (RM0.75), PayEx SME (RM0.99), toyyibPay (RM1.00). On a RM100 local card payment they are Billplz Standard (RM1.50), toyyibPay with card add-on (RM1.50), PayEx SME (RM1.70). Yearly or monthly plan fees can change the order, so use the calculator with your own sales.
How much is the FPX fee in Malaysia?
On a RM100 payment from a personal bank account, the plans we checked charge RM0.75 to RM4.00 for FPX, before plan fees. 7 of 14 plans charge a fixed fee per payment. The others charge a percentage, some with a minimum, a cap or a fixed part. FPX from a business account (B2B) costs more.
Do payment gateway fees include SST?
CHIP says SST is added on top of the fees. Stripe says it charges no SST on processing fees. Airwallex says its fees exclude SST where it applies. The other pages do not say. The customs Guide on Financial Services (Version 2, 24 October 2025) treats gateway fees on payments from current or savings accounts, such as FPX and DuitNow, as basic banking services that are excluded from service tax. Ask your tax agent for your case.
Which payment gateways do not publish their fees?
iPay88 (now ADAPTIS): No pricing page. Rates are quoted on request. 2C2P: No published SME pricing. Revenue Monster: Publishes a RM499 setup fee, but no transaction rates. Ask them for a written rate card before you compare.
How fast do Malaysian payment gateways pay out?
Most of the gateways that publish it pay FPX the next business day. Cards usually take 2 business days, and up to 4 at some. Fiuu pays cards and DuitNow weekly. Check each plan in the list above for the exact terms.

Tell us what you sell and how people pay. We will tell you what it takes to add checkout to your system.

Book a free call