Best payment gateways in Malaysia
Every provider below is ranked by the same estimated blended cost we use across this site: the officially published FPX, card and e-wallet rates applied to a RM100 transaction. Providers that only quote on request are listed after the ranked ones, by market presence.
As of 2026-07-17, Herepay is the cheapest payment gateway in Malaysia 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%
Soft Space gateway for cards, e-wallets and DuitNow QR · Card From 1.2% · E-wallet From 1% · DuitNow QR From 1%
Malaysian payment gateway by MobilityOne: FPX, cards, e-wallets, DuitNow QR · FPX RM0.80 · Card 1.8% · E-wallet 1% - 1.2%
Low-rate Malaysian gateway by Cardbiz Group · FPX RM1.00 (B2C) · Card 1% – 2% · E-wallet 1.2%
Shariah-compliant FPX & DuitNow QR for SMEs, NGOs & government · FPX RM1.00 · Card 1.5% · DuitNow QR 1% or RM1.00
BNM-licensed open payment platform for SMEs · FPX From 1.00% · Card From 1.80% (min RM0.60) · E-wallet From 1.00%
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%
Full-channel gateway with T+1 settlement and fast setup · FPX RM1.00 · Card 1.75% · E-wallet 1.5%
FAQ
How do I choose a payment gateway in Malaysia?
Match by the payment channels your customers use (FPX, card, e-wallet, DuitNow QR), then compare officially published rates on a like-for-like basket. This directory ranks providers by estimated blended cost per RM100 transaction; the "Help me choose" wizard narrows it to your needs in four questions.
What are my options for a payment gateway in Malaysia?
73 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.