Billplz is one of the names Malaysian SMEs reach for first, and its pricing is genuinely simple: a flat ringgit fee for FPX, a percentage for everything else, and nothing upfront. Here is the whole structure, and where it does and does not make sense.
How Billplz pricing works
Billplz runs three plans. Basic is free: no setup fee, no monthly fee, you pay per transaction only. Standard is a paid membership at RM999 a year that lowers your FPX and card rates. Enterprise is priced on request.
The rates that matter, from the official pricing page (Basic, then Standard):
- FPX (B2C): RM1.25 flat per transaction on Basic, RM0.75 on Standard.
- FPX (B2B): RM3.00 on Basic, RM2.00 on Standard. B2B means the payer uses a corporate banking account, and most stores never see these.
- Local cards (MYR): 1.8% on Basic, 1.5% on Standard.
- Non-MYR cards: 3.8% on Basic, 3.5% on Standard, with payout at T+2.
- E-wallets and DuitNow QR (Touch ’n Go, Boost, GrabPay): 1.5% on both plans.
- Card Auto-Deduct (recurring card charges): 2.3% + RM1.25 on Basic, 2% + RM0.75 on Standard.
- BNPL (Atome, 3-month plan): 6%.
The flat FPX fee is the headline. A percentage-based gateway gets more expensive as your ticket grows; RM1.25 on a RM500 invoice is 0.25%. On small tickets the logic flips: RM1.25 on a RM15 sale is over 8%, and a percentage-based rival wins. You can test your own ticket size in the fee calculator, or see who is cheapest at each sale size on the cheapest payment gateway page.
Is the Standard plan worth RM999?
On FPX alone, Standard saves RM0.50 per B2C transaction, so the yearly fee pays for itself at about 2,000 B2C FPX sales a year, roughly 170 a month. Card-heavy stores reach that point sooner, because Standard also takes 0.3 percentage points off every local card payment. Below that volume, stay on Basic.
When the flat rate wins
Billplz suits invoice-style collection with meaningful ticket sizes: tuition fees, club memberships, agency invoices, event registrations. That is also why its tooling leans toward bills and payment links rather than storefront checkouts, with plugins for WooCommerce, Shopify, OpenCart, Magento, PrestaShop and WHMCS when you do run a store. If you sell on Shopify, note that Billplz lists a 0.3% add-on for Shopify payments; the Shopify gateway guide compares the alternatives.
Two honest caveats. First, recurring billing exists but costs more: Card Auto-Deduct needs its own application and adds a flat fee on top of the percentage, so subscription businesses should also compare the recurring-capable gateways. Second, the BNPL rate is on the high side; if instalments matter to you, compare the BNPL providers directly.
Settlement and the fine print
FPX money lands the next business day, and Billplz markets that payout as guaranteed. E-wallet payouts also arrive the next day, and cards take T+2. There is no minimum transaction amount.
The numbers in the box above render from the same verified dataset as the whole directory, so if Billplz changes its rate card, this page changes with it. For the side-by-side view, see Billplz vs toyyibPay or the full Billplz profile.
