HitPay
On BNM registerNo setup or monthly fee, with built-in recurring billing
Integrate·Sign up, get API keys, then integrate via the API/SDK or a CMS plugin (WooCommerce, Shopify and more).
#24
cheapest of 28 ranked
- FPX
- 1.8% + RM0.40
- Card
- 1.2% + RM1.00
- Setup
- RM0
- Settlement
- T+2 (FPX T+1, cards from T+1)
RM2.17
Est. fee per RM100 sale
| FPX (online banking) | 1.8% + RM0.40 |
|---|---|
| Card (local credit/debit) | 1.2% + RM1.00 |
| International card | 3% + RM1.00 |
| E-wallet | 1.9% - 2.2% |
| DuitNow QR | 1.2% |
| BNPL | 2.2% - 6.5% |
| Setup fee | RM0 |
| Monthly / annual fee | RM0 |
| Minimum transaction | — |
| Settlement | T+2 (FPX T+1, cards from T+1) |
HitPay is a Singapore-headquartered platform; its MAS licence covers Singapore only. In Malaysia it operates as HitPay Payment Solutions Sdn Bhd, a technology service provider. Its subsidiary Mobiedge E-commerce Sdn Bhd is a merchant acquirer registered with Bank Negara Malaysia, and HitPay also partners with Stripe Payments Malaysia (also BNM-registered) for regulated activities. It uses a pay-per-transaction, no-monthly-fee model. It bundles a lot into one account: checkout, payment links, invoicing, online store, POS and recurring billing.
Malaysia online rates: domestic cards 1.2% + RM1.00, FPX 1.8% + RM0.40, DuitNow 1.2%, Touch ’n Go 1.9%, GrabPay 2%, ShopeePay 2.2%, and international cards 3% + RM1.00 (plus 2% on foreign-currency transactions). There are no setup or subscription fees; you only pay on successful payments.
Note a small +0.2% surcharge when you use its software tools (payment links, invoicing, store), and +0.5% via the Shopify app. Payouts are T+2 business days for non-card payments (FPX T+1) and from T+1 for cards. Online and in-store payments run on one account. A good all-rounder if you want software + payments together.
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