Payment gateways you can register without SSM
SSM registration (Suruhanjaya Syarikat Malaysia) is what most gateways ask for before you can take payments. The gateways below say on their own website that an individual can sign up without it, usually with just a MyKad. Each one shows the exact sentence and where it came from, so you can check it yourself.
As of 2026-10-21, 8 Malaysian payment gateways say on their own website that individuals can sign up without SSM registration.
Gateways that accept individuals without SSM
Its application form lets individuals use their MyKad or passport number in place of a business registration number; approval is case by case.
"For individuals fill in Name for "Registered Business" and NRIC/Passport number for "Business Registration No""
Source: m1pay.com.my · checked 2026-10-21
Its sign-up manual has a personal savings account option that needs only your MyKad. Its newer merchant terms say applicants must be legally registered, so confirm before applying.
"Personal Saving Account ... Step 9: Upload a copy of Identity Card and enter your IC number"
Source: toyyibpay.com · checked 2026-10-21
Individuals can sign up, but only for DuitNow QR online. Cards are for registered businesses.
"Individual merchants can subscribe to our DNQR online as per the current offering."
Source: myboost.co · checked 2026-10-21
Personal account for individuals and freelancers: no SSM, verified with your MyKad, paid into a personal bank account. SSM accounts get higher limits.
"Personal For individual, freelancer and gigs economy related No SSM required Uses NRIC for verification Personal bank account"
Source: onboard.bayarcash.com · checked 2026-10-21
Individuals and sole owners can sign up with MyKad instead of an SSM business registration number.
"you'll need to provide your Tax Identification Number (MY TIN) and Business Registration Number (BRN) or MyKad"
Source: support.stripe.com · checked 2026-10-21
Individual traders and home sellers can register in about 30 minutes with no documents (QR payments).
"Whether you're an SME, individual trader, or home-based seller, applying as a TNG eWallet merchant is simple, fast, and completely free. Complete your registration in just 30 minutes with no documents required"
Source: tngdigital.com.my · checked 2026-10-21
A PayPal Personal account can receive payments as a casual seller; a Business account asks for business registration.
"Personal: Recommended for individuals who shop and pay online, or who wish to send or receive personal payments for shared expenses like dinner bills or rental charges; for casual sellers or non-businesses who wish to get paid online, and who also make online purchases."
Source: paypal.com · checked 2026-10-21
Individuals register with their MyKad number in place of a business registration number.
"For personal use, fill in your ID number in the registration number field."
Source: securepay.my · checked 2026-10-21
Tip: individual accounts often have lower monthly limits or fewer payment methods. Once your sales grow, registering with SSM usually unlocks more.
Everyone else
The other gateways either ask for SSM registration or don't say on their website. Ask them directly before you apply; rules change.