Payment gateway APIs for developers in Malaysia
As of 2026-11-02, Herepay is the cheapest payment gateway API with officially published rates, at about RM1.07 per RM100 transaction, followed by Fasspay (RM1.12) and M1Pay (RM1.16).
Building your own checkout, app or booking system? Every provider below has a developer API for custom integrations, ranked by estimated cost. The FAQ counts webhook, plugin and MCP (AI agent) coverage; each detail page links the API docs, and the Learn section walks through a safe integration flow.
Ranked by estimated cost (published rates)
Community and business collections with flat RM0.70 FPX · FPX RM0.70 · Card RM0.70 + 1%
Developer API
Soft Space gateway for cards, e-wallets and DuitNow QR · Card From 1.2% · E-wallet From 1% · DuitNow QR From 1%
Developer API
Malaysian payment gateway by MobilityOne: FPX, cards, e-wallets, DuitNow QR · FPX RM0.80 · Card 1.8% · E-wallet 1% - 1.2%
Developer API
Low-rate Malaysian gateway by Cardbiz Group · FPX RM1.00 (B2C) · Card 1% – 2% · E-wallet 1.2%
Developer API
Shariah-compliant FPX & DuitNow QR for SMEs, NGOs & government · FPX RM1.00 · Card 1.5% · DuitNow QR 1% or RM1.00
Developer API
BNM-licensed open payment platform for SMEs · FPX From 1.00% · Card From 1.80% (min RM0.60) · E-wallet From 1.00%
Developer API
Malaysian payment gateway with e-wallet and POS · FPX RM1.00 (B2C), RM1.50 (B2B) · Card 1.5% credit / 1.0% debit (local) · E-wallet 1.5%–1.8%
Developer API
Full-channel gateway with T+1 settlement and fast setup · FPX RM1.00 · Card 1.75% · E-wallet 1.5%
Developer API
FAQ
What is the cheapest payment gateway API?
As of 2026-11-02, Herepay has the lowest estimated blended cost at about RM1.07 per RM100 transaction, among providers with officially published rates. Quote-based providers may negotiate lower, but publish no comparable rates.
How many of them support webhooks, plugins and MCP?
Of the 72 providers with a developer API, 38 send webhooks, 39 ship ready-made e-commerce plugins and 8 run an official MCP server for AI coding agents (Bayarcash, Curlec, Airwallex, HitPay, Stripe Malaysia and others).
What are my options for a payment gateway API?
72 of the 81 Malaysian providers in this directory match this need. 8 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.