Buy now, pay later (BNPL) providers in Malaysia
BNPL lets customers split a purchase into instalments while you get paid upfront, in exchange for a higher merchant fee. Most BNPL merchant rates are negotiated, so this list is ordered by market presence where rates are unpublished.
As of 2026-07-17, MOBY is the cheapest BNPL provider in Malaysia with officially published rates, at about RM1.60 per RM100 transaction.
Ranked by estimated cost (published rates)
Zero-risk BNPL: the merchant is paid upfront in full · FPX RM2.00 · Card 0.99% · E-wallet 1.5%
BNPL at checkout
Also fits, pricing on request
These providers match the same needs but publish no comparable rates, so we will not rank them by price. Listed by market presence.
AtomeContact sales
SPayLater (ShopeePayLater)Contact sales
PayLater by GrabContact sales
FavePay LaterContact sales
AhaPayContact sales
RiipayContact sales
FAQ
What is the cheapest BNPL provider in Malaysia?
As of 2026-07-17, MOBY has the lowest estimated blended cost at about RM1.60 per RM100 transaction, among providers with officially published rates. Quote-based providers may negotiate lower, but publish no comparable rates.
What are my options for a BNPL provider in Malaysia?
7 of the 74 Malaysian providers in this directory match this need. 1 of the top matches publish comparable official rates; the rest quote on request.
Are these fees official?
Fees without a marker come from the provider's official pricing page (see the source and verified date on each detail page). Values with a trailing * are third-party or indicative and are excluded from the ranking. Where nothing is published we say "Contact sales" instead of inventing a number.