toyyibPay 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
- toyyibPay is cheaper on our blended RM100 estimate (RM1.19 vs RM2.08), using officially published rates.
- Xendit also supports e-wallets, BNPL, which toyyibPay does not list.
- Xendit supports recurring / subscription billing; the other does not.
Fees
 toyyibPay |  Xendit | |
|---|---|---|
| Est. fee / RM100 | ~RM1.19 | ~RM2.08 |
| FPX | RM1.00 | RM1.20 + RM0.90 |
| Cards (local) | 1.5% | 2% + RM0.90 |
| Cards (international) | 3.5% | 3.8% + RM0.90 |
| E-wallets | — | 1.8% - 2.5% + RM0.90 |
| DuitNow QR | 1% or RM1.00 | Contact sales |
| BNPL | — | 2.5% - 8% + RM0.90 |
| Setup fee | RM100 (card onboarding) | RM0 |
| Monthly fee | RM100/yr (card, from year 2) | RM0 |
| Settlement | 1-4 business days (FPX) | 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, DuitNow QR | FPX, cards, e-wallets, DuitNow QR, BNPL |
| No-code payment links | Yes | Yes |
| Developer API | Yes | Yes |
| Recurring billing | No | Yes |
| Webhooks | Yes | Yes |
| MCP (AI agents) | — | Community |
| Plugins | WooCommerce, OpenCart, PrestaShop, WHMCS | WooCommerce, Shopify, Magento, OpenCart |