Payment gateways for small online stores
A small store's sensible baseline: FPX (how most Malaysians pay) plus no-code payment links so you can start selling before writing any code. Every provider below covers both.
As of 2026-07-17, Herepay is the cheapest payment gateway for a small online store 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 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)
No-fuss Malaysian gateway with payment links · FPX RM1.00 · Card 1.75% (local debit/credit) · E-wallet 1.5%
Supports FPX · No-code (payment links)
FAQ
What is the cheapest payment gateway for a small online store?
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 payment gateway for a small online store?
49 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.