MOBY vs SPayLater (ShopeePayLater)
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
- MOBY publishes comparable official rates (about RM1.60 per RM100); SPayLater (ShopeePayLater) does not publish enough official rates for a like-for-like estimate, so confirm their full pricing with sales.
Fees
 MOBY |  SPayLater (ShopeePayLater) | |
|---|---|---|
| Est. fee / RM100 | ~RM1.60 | On request |
| FPX | RM2.00 | — |
| Cards (local) | 0.99% | — |
| Cards (international) | 3.5% | — |
| E-wallets | 1.5% | — |
| DuitNow QR | 0.8% + RM0.10 | — |
| BNPL | 1.5% - 6% | 4.5% (5% for 3-mo plans) |
| Setup fee | Contact sales | RM0 |
| Monthly fee | RM149/month (SME, billed annually) | RM0 |
| Settlement | Contact sales | Paid in full on order completion |
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 | BNPL | BNPL |
| No-code payment links | Yes | Yes |
| Developer API | Yes | Yes |
| Recurring billing | No | No |
| Webhooks | — | — |
| MCP (AI agents) | — | — |
| Plugins | — | — |