Payment gateways for recurring billing
Charging customers automatically every month needs explicit recurring support (usually card-on-file, sometimes FPX direct debit). Every provider below supports recurring billing.
As of 2026-07-17, Herepay is the cheapest recurring-billing payment gateway 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%
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
No-fuss Malaysian gateway with payment links · FPX RM1.00 · Card 1.75% (local debit/credit) · E-wallet 1.5%
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 2026-07-17, 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 recurring-billing payment gateway?
41 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.