Plenty of Malaysian gateways claim recurring billing, but they do it in very different ways and at very different prices. Some bundle it free, some add a monthly fee per subscriber, one bills by bank account instead of card. Here are seven worth shortlisting, with live rates in the table below.
The seven, by how they do recurring
CHIP. Recurring charges via saved card tokens, plus payment links and a developer API. No setup or monthly fee. A fit if you are happy to drive charges from your own system.
HitPay. Recurring billing is built into the dashboard, alongside checkout, invoicing, store and POS, with no setup or monthly fee. Note the 0.2% surcharge on its software tools, recurring billing included.
Xendit. Subscriptions are a dedicated product, charged at MYR1.50 per active subscription per month on top of the card rate. Strong payout tooling and multi-country reach make it a fit for scaling businesses.
senangPay. SME gateway with built-in recurring billing and card tokenisation. It carries an annual subscription, starting from around RM199 a year, and a RM100 minimum settlement amount.
Curlec. The Malaysian arm of Razorpay, with subscriptions inherited from that platform. A one-time setup fee applies and the exact amount is not published, so confirm it with sales.
Stripe. Stripe Billing handles subscriptions and metered usage. The trade-off is higher local rates and a T+7 payout.
Bayarcash. The odd one out: direct debit (auto-debit) from a bank account, priced per transaction, alongside card payments. Its quoted rates exclude SST.
How to choose
Start with your plan price. On a low monthly price, a fixed per-subscriber fee like Xendit’s weighs heavily; on a high one, the card percentage matters more. Then decide who runs the billing cycle: a dashboard feature (HitPay, senangPay), a subscription API (Stripe, Xendit, Curlec) or your own code on top of saved tokens (CHIP). The recurring billing guide covers what each setup asks of you.
What this table cannot show: gateways that are popular for FPX but do not charge saved cards. toyyibPay and Billplz are not marked recurring-capable in the directory (Billplz lists recurring payments only on its custom-priced Enterprise plan), so they fit one-off collection better. The toyyibPay pricing guide covers that side.
For two head-to-heads, see CHIP vs Xendit and Curlec vs Stripe. For every recurring-capable provider ranked by cost, use the recurring gateways list, or answer four questions in Help me choose.