CHIP vs Fiuu (formerly Razer Merchant Services)
Side-by-side fees and features for Malaysian merchants, from each provider's published pricing. For the full matrix including supported banks and e-wallets, open the interactive comparison.
At a glance
- CHIP is cheaper on our blended RM100 estimate (RM1.38 vs RM1.61), using officially published rates.
Fees
 CHIP |  Fiuu (formerly Razer Merchant Services) | |
|---|---|---|
| Est. fee / RM100 | ~RM1.38 | ~RM1.61 |
| FPX | RM1.00 | 1% / RM1.20 (max RM2.00) |
| Cards (local) | 2% | 2.00% + RM0.45 |
| Cards (international) | 3% | 4.01% + RM0.84 |
| E-wallets | 1.40% | 1.3% - 1.5% |
| DuitNow QR | 1% | 1.05% |
| BNPL | 1.4% (SPayLater) / 5.3% (Atome) | Contact sales |
| Setup fee | RM0 | RM0 (RM999 waived) |
| Monthly fee | RM0 | RM99/year (1st year waived) |
| Settlement | T+1–T+2 | Weekly (Thu); e-wallets T+2 |
Est. fee / RM100 blends officially published rates (FPX/card/e-wallet 50/30/20). Fees change; confirm with the provider. Methodology
Features
| Access | Integrate | Integrate |
| Channels | FPX, cards, e-wallets, DuitNow QR, BNPL | FPX, cards, e-wallets, DuitNow QR, BNPL |
| No-code payment links | Yes | Yes |
| Developer API | Yes | Yes |
| Recurring billing | Yes | Yes |
| Webhooks | Yes | Yes |
| MCP (AI agents) | — | — |
| Plugins | WooCommerce, Magento, OpenCart, PrestaShop | WooCommerce, Shopify, Magento, OpenCart, WHMCS |