Bayarcash
Realtime-settlement FPX, QR & direct debit gateway
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#11
cheapest of 28 ranked
- FPX
- RM1.00
- Card
- RM1.00 + 1%
- Setup
- RM0
- Settlement
- T+2 (T+1 for some banks)
RM1.38
Est. fee per RM100 sale
| FPX (online banking) | RM1.00 |
|---|---|
| Card (local credit/debit) | RM1.00 + 1% |
| E-wallet | — |
| DuitNow QR | 1.6% / RM0.15 |
| BNPL | 1.6% / RM0.15 |
| Setup fee | RM0 |
| Monthly / annual fee | RM0 |
| Minimum transaction | — |
| Settlement | T+2 (T+1 for some banks) |
Plans
T+ Plan
Free annual fee
- FPX
- RM1.00 B2C / RM2.00 B2B
- Credit card
- RM1.00 + 1%
- Direct debit
- RM1.50
- DuitNow QR / Boost PayFlex
- 1.60% (min RM0.15)
- QRIS / NETS / PromptPay
- 1.60% (min RM0.15)
- Settlement
- T+2
Starter
RM189/year
- Online banking
- RM1.20 + bank fees
- DuitNow QR
- RM0.50 + bank fees
- SPayLater / Boost PayFlex
- RM0.50 + bank fees
- QRIS / NETS / PromptPay
- RM0.50 + bank fees
- Settlement
- Real-time settlement included
Lite
RM2,899/year
- Online banking
- RM0.70 + bank fees
- DuitNow QR
- RM0.50 + bank fees
- SPayLater / Boost PayFlex
- RM0.50 + bank fees
- QRIS / NETS / PromptPay
- RM0.50 + bank fees
- Settlement
- Real-time settlement included
Enterprise
RM12,000/year (incl 24,000 credits)
- Online banking
- RM0.20 + bank fees
- DuitNow QR
- RM0.50 + bank fees
- SPayLater / Boost PayFlex
- RM0.50 + bank fees
- QRIS / NETS / PromptPay
- RM0.50 + bank fees
- Settlement
- Real-time settlement included
Bayarcash (by Web Impian) markets itself as Malaysia’s first realtime-settlement payment gateway. On the free T+ Plan you get FPX RM1.00 (B2C) / RM2.00 (B2B), credit card RM1.00 + 1%, direct debit RM1.50 and DuitNow QR 1.60% (min RM0.15), with T+2 payout per the plan table (a footnote gives T+1 to merchants without Public Bank or Bank Islam accounts).
Paid annual plans (Starter RM189, Lite RM2,899, Enterprise RM12,000) unlock realtime settlement (currently Public Bank & Bank Islam), lower online-banking rates (down to RM0.20) and DuitNow QR at RM0.50. On the paid plans these are Bayarcash’s own fees, charged on top of bank fees that vary by merchant. Cross-border channels (QRIS Indonesia, NETS Singapore, PromptPay Thailand) are supported too.
It includes a free payment link, WordPress/WooCommerce plugins, direct debit (auto-debit for recurring), whitelabel options and detailed reporting. All quoted rates exclude SST.
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