BetterPay
Instant-settlement Malaysian gateway with 150+ payment channels
Integrate·Sign up, get API keys, then integrate via the API/SDK or a CMS plugin (WooCommerce, Shopify and more).
RM1.37
est. fee per RM100 sale (FPX/card/e-wallet 50/30/20) · verified 2026-07-17 · official source
| FPX (online banking) | RM1.00 |
|---|---|
| Card (local credit/debit) | 1.9% |
| International card | 4% |
| E-wallet | 1.5% |
| DuitNow QR | 1.2% |
| BNPL | 5% - 6.5% |
| Setup fee | RM0 (FPX) - RM500 (by plan) |
| Monthly / annual fee | RM0 |
| Minimum transaction | — |
| Settlement | T+1 (FPX) / T+2; instant on Pro |
Plans
Lite
RM300 setup
- FPX (B2C)
- RM1.00
- Local cards
- 1.90% (T+2)
- International cards
- 4.00% (T+2)
- E-wallets
- 1.20% - 1.50%
- Settlement
- T+1 (cards T+2)
Pro
RM500 setup
- FPX
- RM1.00 B2C / RM2.00 B2B
- DuitNow QR
- 1.00%
- Local cards
- 1.90% (T+2)
- International cards
- 4.00% (T+2)
- E-wallets
- 1.20% - 2.70%
- Settlement
- Instant bank-transfer settlement (cards T+2)
BetterPay (Pay Direct Technology Sdn Bhd) is a Malaysian gateway whose pitch is settlement speed: FPX settles T+1 on the standard plans, and the Pro plan advertises instant bank-transfer settlement, ahead of the industry’s usual T+1 to T+2. It claims over RM9 billion processed a year across 150+ payment channels behind a single API.
The published rate card is genuinely complete: FPX at a flat RM1.00 (B2C), local cards 1.9%, main Malaysian e-wallets 1.5%, DuitNow QR from 1.0 to 1.2%, and BNPL via Atome and GrabPayLater. Entry plans differ by one-time setup (RM0 FPX-only Starter up to RM500 Pro) with no monthly fee on any plan.
Beyond the API it covers payment links, e-invoicing with reminders, a virtual terminal, recurring cards plus e-Mandate direct debit, and plugins for most major carts (Shopify carries a 0.5% surcharge). Its API stack is shared with QlicknPay, using Merchant ID + API key authentication and signed callbacks.