Payment gateways for digital products and services
As of 2026-11-02, Herepay is the cheapest payment gateway for digital products with officially published rates, at about RM1.07 per RM100 transaction, followed by M1Pay (RM1.16) and CardBizPay (RM1.19).
Selling ebooks, templates, courses or client services needs a payment link and a receipt, not a storefront. Every provider below does this from a dashboard with FPX support; flat-fee providers win on typical digital-product tickets, and most can auto-deliver via webhooks if you later add code.
Ranked by estimated cost (published rates)
Community and business collections with flat RM0.70 FPX · FPX RM0.70 · Card RM0.70 + 1%
Supports FPX · No-code (payment links)
Malaysian payment gateway by MobilityOne: FPX, cards, e-wallets, DuitNow QR · FPX RM0.80 · Card 1.8% · E-wallet 1% - 1.2%
Supports FPX · No-code (payment links)
Low-rate Malaysian gateway by Cardbiz Group · FPX RM1.00 (B2C) · Card 1% – 2% · E-wallet 1.2%
Supports FPX · No-code (payment links)
Shariah-compliant FPX & DuitNow QR for SMEs, NGOs & government · FPX RM1.00 · Card 1.5% · DuitNow QR 1% or RM1.00
Supports FPX · No-code (payment links)
BNM-licensed open payment platform for SMEs · FPX From 1.00% · Card From 1.80% (min RM0.60) · E-wallet From 1.00%
Supports FPX · No-code (payment links)
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 FPX · No-code (payment links)
Full-channel gateway with T+1 settlement and fast setup · FPX RM1.00 · Card 1.75% · E-wallet 1.5%
Supports FPX · No-code (payment links)
Axiata fintech gateway with fully published online rates · FPX RM1.00 · Card 2.00% · E-wallet 1.2% - 1.3%
Supports FPX · No-code (payment links)
FAQ
What is the cheapest payment gateway for digital products?
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.
What are my options for a payment gateway for digital products?
54 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.