Learn
The directory tells you which gateway to pick. This section tells you how to integrate one safely: the jargon, the correct order to wire things, and how to hand the job to an AI coding agent.
Which type do you need?
Not every provider works the same way. There are three broad ways to start accepting payments in Malaysia, depending on whether you are integrating code or opening a business account.
Payment gateway
For developers. Sign up, get API keys, then call the API or drop in a plugin (WooCommerce, Shopify). You control the code.
e.g. CHIP, Billplz, Stripe, Curlec, Fiuu
Browse gateways →Bank gateway
Apply for a business or merchant account with a Malaysian bank. It runs on the bank's own hosted gateway, usually tied to your business account.
e.g. Maybank2u Pay, CIMB, OCBC
Browse banks →E-wallet & BNPL
Register as a merchant to accept e-wallets and DuitNow QR, or to offer Buy-Now-Pay-Later instalments at checkout.
e.g. Touch 'n Go eWallet, Atome
E-wallet →BNPL →Glossary→
Plain-language definitions: FPX, DuitNow QR, MDR, settlement, webhooks, idempotency, MCP and more.
The safe integration flow→
The order to wire a gateway so a payment can never be faked: pending record → checkout → verify webhook → settle once.
Build with AI agents→
Install AFU's setup-* skills, paste a ready prompt, and understand what MCP vs API/webhooks unlocks for AI coding tools.
Production checklist→
What to verify before going live: env vars, webhook URLs, replay-safety, separated keys, no fake-redirect unlock.
Data API→
Query the whole directory as JSON (fees, estimated cost, channels, features, developer support) from your code or an AI agent. MCP server coming.
Help me choose→
Answer a few questions and get a ranked shortlist of gateways that fit your needs, cheapest first.
Contribute→
Spot an outdated fee or a missing gateway? Sign up and apply to help keep the directory accurate.
Guides: best gateway for your need
Pre-ranked shortlists for common needs, using the same estimated-cost engine as the directory and the Help me choose wizard.
Popular comparisons
Built for vibe coders
Using Claude Code, Cursor or Codex? Many gateways here map to an open-source setup skill that teaches your agent the correct, secure integration, and every gateway page with one has a Copy prompt button you can paste straight in.
afu-it/malaysia-payment-gateway →