PayHalal
World's first Shariah-compliant payment gateway
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RM2.20
est. fee per RM100 sale (FPX/card/e-wallet 50/30/20) · verified 2026-07-17 · official source
| FPX (online banking) | 2.00% or RM1.50 (Basic) |
|---|---|
| Card (local credit/debit) | 3.00% credit / 2.60% debit (Basic) |
| International card | 5.00% + USD0.30 (Basic) |
| E-wallet | 1.50% |
| DuitNow QR | 1.50% |
| BNPL | 6.50% |
| Setup fee | Free (Basic); up to RM1,500 (higher tiers) |
| Monthly / annual fee | Free (Basic); RM300–RM3,000/year (higher tiers) |
| Minimum transaction | — |
| Settlement | Contact sales |
Plans
Basic
First-time online sellers, free setup and annual fee
- FPX
- 2.00% or RM1.50 B2C / 2.50% or RM2.00 B2B
- Cards
- 3.00% credit / 2.60% debit / 5.00% + USD0.30 foreign
- E-wallets
- 1.50%
- BNPL
- 6.50%
Plus
RM350 setup + RM300/year
- FPX
- 1.80% or RM1.20 B2C / 2.00% or RM2.00 B2B
- Cards
- 2.80% credit / 1.80% debit / 4.20% + USD0.30 foreign
- E-wallets
- 1.50%
- BNPL
- 6.50%
Pro
RM1,000 setup + RM600/year
- FPX
- 1.60% or RM1.00 B2C / 1.60% or RM2.00 B2B
- Cards
- 2.60% credit / 1.80% debit / 3.60% + USD0.30 foreign
- E-wallets
- 1.50%
- BNPL
- 6.50%
Advanced
RM1,500 setup + RM3,000/year, high volume
- FPX
- RM0.80 + 0.50% B2C / RM2.00 + 0.50% B2B
- Cards
- Negotiated
- E-wallets
- 1.50%
- BNPL
- 6.50%
PayHalal is a Malaysian Shariah-compliant online payment gateway operated by Souqa Fintech, regulated by Bank Negara Malaysia, PCI-DSS compliant and supervised by Amanie Advisory for Shariah governance. Merchants can accept FPX, credit/debit cards, Shariah-screened e-wallets, DuitNow QR and Islamic BNPL via hosted checkout, payment links (Email/Social Pay), APIs/SDKs and CMS plugins.
It targets Muslim-market and halal-conscious businesses (e-commerce, SMEs, enterprises) that need every transaction free of riba, gharar and haram elements.
PayHalal is one of the few here with a fully published rate card. Figures shown are the free Basic tier (FPX from 2.00% or RM1.50, credit card 3.00%, debit 2.60%, foreign card 5.00% + USD0.30, e-wallet 1.50%, BNPL 6.50%, no setup or annual fee); paid tiers (Plus/Pro/Advanced) offer progressively lower rates with setup fees up to RM1,500 and annual fees of RM300–RM3,000. Settlement period is not published; contact sales.