Payment gateways for credit and debit cards
All providers below accept Visa and Mastercard payments. Card rates in Malaysia typically run higher than FPX, so check the per-channel fees on each provider's detail page before deciding.
As of 2026-07-17, Herepay is the cheapest card payment gateway with officially published rates, at about RM1.07 per RM100 transaction.
Ranked by estimated cost (published rates)
Community and business collections with flat RM0.70 FPX · FPX RM0.70 · Card RM0.70 + 1%
Supports cards
Soft Space gateway for cards, e-wallets and DuitNow QR · Card From 1.2% · E-wallet From 1% · DuitNow QR From 1%
Supports cards
Malaysian payment gateway by MobilityOne: FPX, cards, e-wallets, DuitNow QR · FPX RM0.80 · Card 1.8% · E-wallet 1% - 1.2%
Supports cards
Low-rate Malaysian gateway by Cardbiz Group · FPX RM1.00 (B2C) · Card 1% – 2% · E-wallet 1.2%
Supports cards
Shariah-compliant FPX & DuitNow QR for SMEs, NGOs & government · FPX RM1.00 · Card 1.5% · DuitNow QR 1% or RM1.00
Supports cards
BNM-licensed open payment platform for SMEs · FPX From 1.00% · Card From 1.80% (min RM0.60) · E-wallet From 1.00%
Supports cards
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%
Supports cards
Full-channel gateway with T+1 settlement and fast setup · FPX RM1.00 · Card 1.75% · E-wallet 1.5%
Supports cards
FAQ
What is the cheapest card payment gateway?
As of 2026-07-17, 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.
What are my options for a card payment gateway?
61 of the 74 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.