CHIP vs toyyibPay
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
- toyyibPay is cheaper on our blended RM100 estimate (RM1.19 vs RM1.38), using officially published rates.
- CHIP also supports e-wallets, BNPL, which toyyibPay does not list.
- CHIP supports recurring / subscription billing; the other does not.
Fees
 CHIP |  toyyibPay | |
|---|---|---|
| Est. fee / RM100 | ~RM1.38 | ~RM1.19 |
| FPX | RM1.00 | RM1.00 |
| Cards (local) | 2% | 1.5% |
| Cards (international) | 3% | 3.5% |
| E-wallets | 1.40% | — |
| DuitNow QR | 1% / RM0.15 | 1% or RM1.00 |
| BNPL | 5.3% (Atome) | — |
| Setup fee | RM0 | RM100 (card onboarding) |
| Monthly fee | RM0 | RM100/yr (card, from year 2) |
| Settlement | T+1–T+2 | 1-4 business days (FPX) |
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, DuitNow QR |
| No-code payment links | Yes | Yes |
| Developer API | Yes | Yes |
| Recurring billing | Yes | No |
| Webhooks | Yes | Yes |
| MCP (AI agents) | — | — |
| Plugins | WooCommerce, Magento, OpenCart, PrestaShop | WooCommerce, OpenCart, PrestaShop, WHMCS |