toyyibPay
Shariah-compliant FPX & DuitNow QR for SMEs, NGOs & government
Integrate·Sign up, get API keys, then integrate via the API/SDK or a CMS plugin (WooCommerce, Shopify and more).
RM1.19
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) | 1.5% |
| International card | 3.5% |
| E-wallet | — |
| DuitNow QR | 1% or RM1.00 |
| Setup fee | RM100 (card onboarding) |
| Monthly / annual fee | RM100/yr (card, from year 2) |
| Minimum transaction | — |
| Settlement | 1-4 business days (FPX) |
Plans
Santai
Non-profit organisations only
- FPX (B2C)
- RM0.00 per transaction
- FPX (B2B)
- RM2.00 per transaction
- Settlement
- Next 10 business days
Standard
All users
- FPX (B2C)
- RM1.00 per transaction
- FPX (B2B)
- RM2.00 per transaction
- Settlement
- Next 1-4 business days
Card Payments (via Partners)
RM100 onboarding + RM100/year from year 2
- Local card
- 1.50%
- Foreign card
- 3.5%
- Settlement
- Next 4 business days
DuitNow QR
All users
- Fee
- 1.00% or RM1.00 per transaction
- Settlement
- Next 2 business days
toyyibPay is one of Malaysia’s most popular low-cost payment gateways, known for a flat RM1.00 per FPX transaction regardless of amount. It rebranded around a Shariah-compliant, transparent positioning and is widely used by SMEs, NGOs and government agencies.
Its strength is simple FPX collection and DuitNow QR, with payment links and QR codes that need no website, auto-settlement (FPX funds in 1 to 4 business days), split payments and a clear dashboard. Plugins and an API are available for common platforms.
Pricing is FPX-centric: RM1.00 (B2C) / RM2.00 (B2B). Card payments (via toyyibPay Partners) are now officially priced at 1.5% local / 3.5% foreign, with an RM100 onboarding fee and RM100/year from the second year; DuitNow QR is 1% or RM1.00 per transaction. Registered NPOs can use the free “Santai” plan (B2C FPX waived, slower settlement). FPX settles in the next 1 to 4 business days.