MOBY
BNPLZero-risk BNPL: the merchant is paid upfront in full
Integrate·Add it at checkout through its merchant integration, or via a gateway that bundles it.
#17
cheapest of 28 ranked
- FPX
- RM2.00
- Card
- 0.99%
- Setup
- Contact sales
- Settlement
- Contact sales
RM1.60
Est. fee per RM100 sale
| FPX (online banking) | RM2.00 |
|---|---|
| Card (local credit/debit) | 0.99% |
| International card | 3.5% |
| E-wallet | 1.5% |
| DuitNow QR | 0.8% + RM0.10 |
| BNPL | 1.5% - 6% |
| Setup fee | Contact sales |
| Monthly / annual fee | RM149/month (SME, billed annually) |
| Minimum transaction | — |
| Settlement | Contact sales |
Plans
SME
For growing businesses
- Plan price
- RM149/month (RM1,788 billed annually)
- BNPL
- Up to 4 instalments
- Moby Credits
- 10,000/year
Enterprise
Multi-store and high volume
- Plan price
- RM199/month (RM2,388 billed annually)
- BNPL
- Up to 6 instalments
- Moby Credits
- 50,000/year
MOBY (Moby Omni) is a Malaysian payments platform whose BNPL product lets customers pay in 2, 3, 4 or 6 interest-free instalments while the merchant gets paid in full upfront (“We Pay First”), removing the merchant’s credit risk. MOBY offers both conventional BNPL and a Shariah-compliant option via Moby Islamic, and BNPL can be accepted online (Moby Checkout) or in-store (Moby Terminal).
MOBY publishes its merchant rates on its pricing page: BNPL costs the merchant 3% to 6% per instalment sale (1.5% for pay in full) plus processing fees, alongside cards at 0.99%, e-wallets at 1.5% and DuitNow QR at 0.8% + RM0.10. Using MOBY requires an annual plan, from RM149/month (SME) or RM199/month (Enterprise). No setup fee is published.
MOBY supports no-code e-commerce integrations (Shopify, WooCommerce, Wix, WordPress, Webflow, Shopline) as well as open API integration. All fee figures above refer to what the business pays MOBY, not the consumer’s instalment terms (which are zero-interest).
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