Payment Gateway Integration in Malaysia

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More than a checkout button

Most online stores need a payment gateway connected once and left alone. The ones that grow need more than that — charging a saved card every month, splitting a payment between several parties, paying money back out, or running two gateways so one outage does not close the shop.

We are an integration partner of five Malaysian gateways and have built against a dozen more. That means we can tell you which one suits your business before you sign anything — and then actually build what you need on top of it.

Integration partner

Fiuu Formerly Razer Merchant Services, and before that MOLPay.
Adaptis By NTT DATA Payment Services. Formerly iPay88.
DOKU Now also behind senangPay, following their merger.
revPay Strong e-wallet and DuitNow QR coverage.
Curlec A Razorpay company. Direct debit, Route and payouts.

Also integrated, without a partner agreement:

Billplz eGHL senangPay PayPal Stripe Evonet Global Payments

The parts most shops don't build

Connecting a gateway is an afternoon. These take longer, and they are usually what the business actually needed.

Recurring billing and tokenisation

Card details are exchanged for a token on the first payment, and every charge after that runs without the customer present. That is what makes subscriptions, memberships and instalment plans possible. We built it for a foundation collecting monthly contributions from thousands of donors, where a failed renewal is a conversation nobody wants to have.

Split payments and marketplace settlement

One customer payment, divided between several recipients at the moment it is received — a marketplace taking commission, a platform paying its vendors, a franchise splitting with outlets. Done through the gateway rather than in your own bank account, which keeps money that was never yours off your books.

Payouts and disbursement

Paying money out as well as taking it in: vendor settlements, commissions, refunds, driver and agent payments. Triggered from your own system on your own schedule, instead of somebody exporting a bank file every Friday.

Multiple gateways, and moving between them

Running more than one gateway so a channel outage does not stop checkout, or routing by payment type to where it costs least. We have also moved live stores from one gateway to another without losing stored cards or breaking the orders already in flight.

Which gateway should you use?

Five things decide what you actually pay. Only one of them is the rate everybody compares.

1. Your payment mix, not the headline rate

FPX is usually charged as a flat fee per transaction, cards as a percentage. On a RM50 basket a percentage wins; on a RM500 basket the flat fee wins, and by a wide margin. Which gateway is cheapest for you depends on what your customers actually pay with and what your average order is — so that is the first thing we ask for.

2. Settlement period, which is really cash flow

Gateways settle anywhere from the next working day to weekly. For a store turning over a few hundred thousand a month, the difference between T+1 and weekly is a meaningful amount of working capital sitting with somebody else. This is the factor most merchants discover after signing, not before.

3. Foreign cards, if you have them

Overseas-issued cards cost roughly double a domestic one everywhere. If a tenth of your orders come from Singapore, that line matters more than the domestic rate you compared.

4. What it costs before you sell anything

Setup and annual fees vary, and are often waived or negotiable depending on expected volume — which is exactly why a published rate card would mislead you.

5. Whether the channels your customers want are there

DuitNow QR, Boost, Touch n Go, GrabPay, ShopeePay, instalments, buy-now-pay-later. Coverage is not identical, and a missing channel is a lost basket, not a cheaper one.

Get a rate comparison for your actual volume

Our partner agreements do not allow us to publish rates, and a published rate card would be out of date within months anyway. Tell us your monthly volume, average order value and rough payment mix, and we will come back with a comparison across the gateways we work with — and what it would take to connect one.

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常見問題

 

1. Which payment gateways do you integrate with in Malaysia?

We are an integration partner of Fiuu, Adaptis by NTT DATA Payment Services (the gateway most people still call iPay88), DOKU, revPay and Curlec. We have also built against Billplz, eGHL, senangPay, PayPal, Stripe, Evonet and Global Payments without a partner agreement. If your business already uses a gateway we have not listed, we can almost always work with its API.

2. Which payment gateway is cheapest for my business?

It depends on what your customers pay with. FPX is normally charged as a flat fee per transaction and cards as a percentage, so a store with a RM50 average basket and a store with a RM500 average basket often get their best deal from different gateways. Foreign-issued cards cost roughly double domestic ones everywhere, so an export-heavy store weighs that line more heavily. Tell us your monthly volume, average order value and rough payment mix and we will compare the gateways we work with for your case.

3. Why do you not publish the rates?

Our partner agreements do not allow it, and rates are negotiated per merchant based on expected volume, so a published figure would be wrong for most readers. Setup and annual fees are frequently waived depending on volume as well. We send a current comparison for your own numbers instead.

4. Can you set up recurring or subscription billing?

Yes. The customer's card is exchanged for a token on the first payment, and every charge after that runs without the customer present. That is what makes monthly subscriptions, memberships, donations and instalment plans work. We have built this for an organisation collecting monthly contributions from thousands of supporters, including retry handling for the renewals that fail.

5. Can a single payment be split between several recipients?

Yes, through gateways that support it — Curlec's Route API is the one we use most in Malaysia. One customer payment is divided at the moment it is received: a marketplace taking its commission, a platform settling with vendors, a franchise splitting with outlets. Doing it at the gateway rather than in your own account keeps money that was never yours off your books.

6. Can your system pay money out as well as take it in?

Yes. Payouts and disbursement — vendor settlements, commissions, refunds, agent and driver payments — triggered from your own system on your own schedule rather than somebody exporting a bank file every week.

7. How long does a payment gateway integration take?

A standard checkout integration into an existing site is usually a few days of work once the merchant account is approved, and the approval is normally the longer part. Recurring billing, split payments or payouts take longer because each needs its own reconciliation and failure handling. We scope it properly before quoting rather than giving a number that assumes the simple case.

8. Can you move us from one payment gateway to another?

Yes, and we have done it on live stores. The work is in the detail rather than the switch: stored cards usually cannot be moved between gateways, so recurring customers need a re-tokenisation path, and orders already in flight have to settle on the old gateway while new ones start on the new one. We plan that before anything is changed.

9. Can we run more than one payment gateway at the same time?

Yes. Two reasons people do it: so a channel outage at one gateway does not stop checkout, and to route each payment type to wherever it costs least. Both need your order and reconciliation flow to handle more than one source of truth, which is the part worth getting right.

10. How long does settlement take, and does it matter?

Malaysian gateways settle anywhere from the next working day to weekly. For a store turning over a few hundred thousand ringgit a month, the difference between next-day and weekly settlement is a meaningful amount of working capital sitting somewhere else. It is the factor most merchants find out about after signing, so we raise it before.