Fiuu (formerly Razer Merchant Services) 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 RM2.20), using officially published rates.
- Fiuu (formerly Razer Merchant Services) also supports e-wallets, BNPL, which toyyibPay does not list.
- Fiuu (formerly Razer Merchant Services) supports recurring / subscription billing; the other does not.
Fees
 Fiuu (formerly Razer Merchant Services) |  toyyibPay | |
|---|---|---|
| Est. fee / RM100 | ~RM2.20 | ~RM1.19 |
| FPX | 2.4% / RM1.00 | RM1.00 |
| Cards (local) | 2.40% | 1.5% |
| Cards (international) | 3.15% | 3.5% |
| E-wallets | 1.3% - 1.5% | — |
| DuitNow QR | 1% | 1% or RM1.00 |
| BNPL | 5.5% - 6% | — |
| Setup fee | RM99 (promo, from RM999) | RM100 (card onboarding) |
| Monthly fee | RM99/year | RM100/yr (card, from year 2) |
| Settlement | Weekly (Thu); e-wallets 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, Shopify, Magento, OpenCart, WHMCS | WooCommerce, OpenCart, PrestaShop, WHMCS |