Payment gateways for physical stores and restaurants
Walk-in customers pay by scanning: DuitNow QR and e-wallets cover almost every Malaysian phone. Every provider below supports both without code. Also compare terminal-first options on their detail pages (Qashier, edxaPay, Revenue Monster) and the banks' QR packages, where CIMB and Hong Leong currently advertise zero-MDR DuitNow QR tiers.
As of 2026-07-17, M1Pay is the cheapest payment provider for a physical store with officially published rates, at about RM1.16 per RM100 transaction.
Ranked by estimated cost (published rates)
Malaysian payment gateway by MobilityOne: FPX, cards, e-wallets, DuitNow QR · FPX RM0.80 · Card 1.8% · E-wallet 1% - 1.2%
Supports DuitNow QR, e-wallets · 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 DuitNow QR, e-wallets · 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 DuitNow QR, e-wallets · 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 DuitNow QR, e-wallets · 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 DuitNow QR, e-wallets · 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 DuitNow QR, e-wallets · No-code (payment links)
Instant-settlement Malaysian gateway with 150+ payment channels · FPX RM1.00 · Card 1.9% · E-wallet 1.5%
Supports DuitNow QR, e-wallets · No-code (payment links)
All-in-one digital finance platform for Malaysian business · FPX RM1.00 · Card 2% · E-wallet 1.40%
Supports DuitNow QR, e-wallets · No-code (payment links)
FAQ
What is the cheapest payment provider for a physical store?
As of 2026-07-17, M1Pay has the lowest estimated blended cost at about RM1.16 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 provider for a physical store?
32 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.