Payment gateways for recurring billing
As of 2026-11-02, Herepay is the cheapest recurring-billing payment gateway with officially published rates, at about RM1.07 per RM100 transaction, followed by Fasspay (RM1.12) and CardBizPay (RM1.19).
Charging customers automatically every month needs explicit recurring support (usually card-on-file, sometimes FPX direct debit). Every provider below supports recurring billing.
Ranked by estimated cost (published rates)
Community and business collections with flat RM0.70 FPX · FPX RM0.70 · Card RM0.70 + 1%
Recurring billing
Soft Space gateway for cards, e-wallets and DuitNow QR · Card From 1.2% · E-wallet From 1% · DuitNow QR From 1%
Recurring billing
Low-rate Malaysian gateway by Cardbiz Group · FPX RM1.00 (B2C) · Card 1% – 2% · E-wallet 1.2%
Recurring billing
BNM-licensed open payment platform for SMEs · FPX From 1.00% · Card From 1.80% (min RM0.60) · E-wallet From 1.00%
Recurring billing
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%
Recurring billing
Axiata fintech gateway with fully published online rates · FPX RM1.00 · Card 2.00% · E-wallet 1.2% - 1.3%
Recurring billing
Instant-settlement Malaysian gateway with 150+ payment channels · FPX RM1.00 · Card 1.9% · E-wallet 1.5%
Recurring billing
Realtime-settlement FPX, QR & direct debit gateway · FPX RM1.00 · Card RM1.00 + 1% · DuitNow QR 1.6% / RM0.15
Recurring billing
FAQ
What is the cheapest recurring-billing payment gateway?
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 recurring-billing payment gateway?
51 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.