CHIP vs Xendit
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 RM2.08), using officially published rates.
Fees
 CHIP |  Xendit | |
|---|---|---|
| Est. fee / RM100 | ~RM1.38 | ~RM2.08 |
| FPX | RM1.00 | RM1.20 + RM0.90 |
| Cards (local) | 2% | 2% + RM0.90 |
| Cards (international) | 3% | 3.8% + RM0.90 |
| E-wallets | 1.40% | 1.8% - 2.5% + RM0.90 |
| DuitNow QR | 1% / RM0.15 | Contact sales |
| BNPL | 5.3% (Atome) | 2.5% - 8% + RM0.90 |
| Setup fee | RM0 | RM0 |
| Monthly fee | RM0 | RM0 |
| Settlement | T+1–T+2 | Contact sales |
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) | — | Community |
| Plugins | WooCommerce, Magento, OpenCart, PrestaShop | WooCommerce, Shopify, Magento, OpenCart |