HitPay 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 RM2.17), using officially published rates.
- HitPay also supports e-wallets, BNPL, which toyyibPay does not list.
- HitPay supports recurring / subscription billing; the other does not.
- HitPay runs an official MCP server, so AI agents can integrate it directly.
Fees
 HitPay |  toyyibPay | |
|---|---|---|
| Est. fee / RM100 | ~RM2.17 | ~RM1.19 |
| FPX | 1.8% + RM0.40 | RM1.00 |
| Cards (local) | 1.2% + RM1.00 | 1.5% |
| Cards (international) | 3% + RM1.00 | 3.5% |
| E-wallets | 1.9% - 2.2% | — |
| DuitNow QR | 1.2% | 1% or RM1.00 |
| BNPL | 2.2% - 6.5% | — |
| Setup fee | RM0 | RM100 (card onboarding) |
| Monthly fee | RM0 | RM100/yr (card, from year 2) |
| Settlement | T+2 (T+3 cards) | 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) | Official | — |
| Plugins | Shopify, WooCommerce, Wix, OpenCart, EasyStore | WooCommerce, OpenCart, PrestaShop, WHMCS |