AhaPay
BNPLScan-to-pay BNPL; merchant paid upfront, zero risk
Integrate·Add it at checkout through its merchant integration, or via a gateway that bundles it.
Not ranked
rates not fully published
- FPX
- —
- Card
- —
- Setup
- RM0
- Settlement
- Contact sales
On request
No comparable published rates
| FPX (online banking) | — |
|---|---|
| Card (local credit/debit) | — |
| E-wallet | — |
| DuitNow QR | — |
| BNPL | 6% |
| Setup fee | RM0 |
| Monthly / annual fee | RM0 |
| Minimum transaction | RM50 |
| Settlement | Contact sales |
AhaPay is a Malaysian Buy Now Pay Later solution (operated by Aharetail Solutions Sdn. Bhd.) for both offline and online stores. Customers scan a QR code at checkout and split the cost into 3 monthly payments interest-free, while the merchant receives guaranteed full payment upfront and AhaPay absorbs the non-payment risk.
AhaPay is one of the few Malaysian BNPL providers to publish its merchant fee: it charges only a Merchant Discount Rate of 6% per transaction. Since 1 June 2026 an 8% SST is added on the MDR amount, so AhaPay’s own example of a RM2,000 sale pays out RM1,870.40 to the merchant’s bank account. There is no mention of a setup or monthly fee. Customer spending limits run from RM50 up to RM3,500 and vary by merchant.
No special hardware is required: merchants transact via the AhaPay agent app on any smartphone (generating a QR for the customer), and AhaPay also supports online platforms. The 6% above (plus SST on it) is the rate the business pays AhaPay, not the consumer’s cost (interest-free if paid on time).
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