Payment Gateway | MOLPay | eGHL | PayPal | iPay88 | Billplz | Maybank2u Pay | 2Checkout | Worldpay | 2C2P | kiple |
Setup Fee | Premium – RM400
Lite – RM499 |
Starter – RM 399
Small Biz – RM599 |
Free | SME – RM 488
Startup – 488 |
Free | Free | Free | Free | RM 500 | RM 300 |
Annual fee | Premium – RM 499
Lite – Zero Fee Lifetime |
Starter – 1st year waived 2nd year onwards RM 399Small Biz – 1st year waived 2nd year onwards waive if transaction volume > RM60000 / year) |
Free | SME – RM 500
Startup – Zero Fee Lifetime |
Free | Free | Free | Free – Pay as you go Plan or
Monthly subscription plan at |
RM 500 | RM 500 |
Commission per transaction | Premium – 3%
Lite – 3.8% |
Starter – 2.8%
Small Biz – 2.5% |
Domestic 3.9% + RM2.00Cross border 4.4% + Fixed fee based on the currency received |
SME – 2.9%
Startup – 3.5% |
RM 1.50 per transaction |
RM0.50 + GST | 3.9 % + $0.45 USD
1.5% cross-border fee |
2.75% + £0.20 | 2.5% – 3% per transaction for credit cardRM1.50 flat rate for bank transfers |
2.5% – 3% per transaction for credit cardRM1 – RM1.50 flat rate for bank transfers |
Payment methods accepted | Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer Other Payment Methods |
Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer Other Country Debit |
Credit/Debit Card Visa, MasterCard, Discover American ExpressMalaysia Bank Transfer |
Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer Other Payment Methods |
Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer |
Visa, MasterCard Credit/Debit CardMalaysia Online Bank Transfer Maybank2u only |
All major Credit/Debit cardsPayPal and other major walletsMalaysia Bank Transfer |
Credit/Debit Card Visa, MasterCard, Discover American ExpressMalaysia Bank TransferOther Payment Method Contactless, Wallet Galore, Apply Pay, Amazon pay |
Visa, MasterCard Credit/Debit CardMalaysia Online Bank Transfer Alliance Online, Am Online CIMB Clicks, EON Online Hong Leong Online, FP Maybank2u, RHB Online |
Visa, MasterCard Credit/Debit CardMalaysia Online Bank Transfer Alliance Online, Am Online CIMB Clicks, EON Online Hong Leong Online, FP Maybank2u, RHB Online |
Fraud & Risk management | Yes | Yes | Yes | Advanced | Average | Advanced | Yes | Yes | Yes | Yes |
Accepted Currencies | RM Only | RM Only | 24 Currencies (USD, RM, Euros, GBP, Yen, SGD and more currencies) |
RM Only (USD and others currencies are supported in iPay88 multicurrency gateway) |
RM Only | RM Only | 12 International Currencies |
Up to 120 Currencies |
RM (MYR), US, Singapore, Hong Kong $, Thailand |
RM (MYR) |
Set up type | Online | Online | Online | Online | Online | Online | Online | Online | Online | Online |
Onboarding & Approvals time | 7 – 14 working days (for internet bank transfer)1 to 2 months (for credit card gateway) |
7 – 14 working days |
Immediate | 7 – 14 working days (for internet bank transfer)1 to 2 months (for credit card gateway) |
2 weeks | 1 to 2 weeks | 24-48 hours | 5 working days | 1-2 weeks | 2-3 weeks |
Recurring Billing | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No |
Charges on Refunds | No extra charge | RM 0.50 per transaction | No extra charge | No extra charge | No extra charge | No extra charge | No extra charge | No extra charge | Minor | No extra charge |
SDK Stacks | Curl, Ruby, Java, Python, Php, C#, Nodejs | Docker, Java (Gradle) Java (Maven), JavaScript PHP, Python |
Java, .net, php, python, node, ruby | node, java, php | C#, Go, Php, JavaScript, Ruby | Java, JavaScript, NodeJs, Php | Java, Ruby, .net, C#, Python | php, java, ruby, .net, | Ruby, Java, Python, Php | Php, Java, Nodejs |
Settlement time | FREE for Premium
RM2 per settlement Weekly Transfer to |
Weekly Transfer to Bank Account. | Payment into PayPal Account Instantly. | Weekly Transfer to Bank Account | Next day (T+1) | Next day (T+1) | Weekly – Transfer to Bank Account | 4 weeks Transfer to Bank Account |
Weekly – Transfer to Bank Account | T+1/T+2 |
Payouts support | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | No | No |
Split payments | Yes | No | Yes | Yes | No | No | Yes | Yes | No | No |
Payment Gateway | Setup Fee |
MOLPay | Premium – RM400
Lite – RM499 |
eGHL | Starter – RM 399
Small Biz – RM599 |
PayPal | Free |
iPay88 | SME – RM 488
Startup – 488 |
Billplz | Free |
Maybank2u Pay | Free |
2Checkout | Free |
Worldpay | Free |
2C2P | RM 500 |
kiple | RM 300 |
Payment Gateway | Annual fee |
MOLPay | Premium – RM 499
Lite – Zero Fee Lifetime |
eGHL | Starter – 1st year waived 2nd year onwards RM 399Small Biz – 1st year waived 2nd year onwards waive if transaction volume > RM60000 / year) |
PayPal | Free |
iPay88 | SME – RM 500
Startup – Zero Fee Lifetime |
Billplz | Free |
Maybank2u Pay | Free |
2Checkout | Free |
Worldpay | Free – Pay as you go Plan or
Monthly subscription plan at |
2C2P | RM 500 |
kiple | RM 500 |
Payment Gateway | Commission per transaction |
MOLPay | Premium – 3%
Lite – 3.8% |
eGHL | Starter – 2.8%
Small Biz – 2.5% |
PayPal | Domestic 3.9% + RM2.00Cross border 4.4% + Fixed fee based on the currency received |
iPay88 | SME – 2.9%
Startup – 3.5% |
Billplz | RM 1.50 per transaction |
Maybank2u Pay | RM0.50 + GST |
2Checkout | 3.9 % + $0.45 USD
1.5% cross-border fee |
Worldpay | 2.75% + £0.20 |
2C2P | 2.5% – 3% per transaction for credit cardRM1.50 flat rate for bank transfers |
kiple | 2.5% – 3% per transaction for credit cardRM1 – RM1.50 flat rate for bank transfers |
Payment Gateway | Payment methods accepted |
MOLPay | Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer Other Payment Methods |
eGHL | Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer Other Country Debit |
PayPal | Credit/Debit Card Visa, MasterCard, Discover American ExpressMalaysia Bank Transfer |
iPay88 | Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer Other Payment Methods |
Billplz | Visa, MasterCard Credit/Debit Card
Malaysia Online Bank Transfer |
Maybank2u Pay | Visa, MasterCard Credit/Debit CardMalaysia Online Bank Transfer Maybank2u only |
2Checkout | All major Credit/Debit cardsPayPal and other major walletsMalaysia Bank Transfer |
Worldpay | Credit/Debit Card Visa, MasterCard, Discover American ExpressMalaysia Bank TransferOther Payment Method Contactless, Wallet Galore, Apply Pay, Amazon pay |
2C2P | Visa, MasterCard Credit/Debit CardMalaysia Online Bank Transfer Alliance Online, Am Online CIMB Clicks, EON Online Hong Leong Online, FP Maybank2u, RHB Online |
kiple | Visa, MasterCard Credit/Debit CardMalaysia Online Bank Transfer Alliance Online, Am Online CIMB Clicks, EON Online Hong Leong Online, FP Maybank2u, RHB Online |
Payment Gateway | Fraud & Risk management |
MOLPay | Yes |
eGHL | Yes |
PayPal | Yes |
iPay88 | Advanced |
Billplz | Average |
Maybank2u Pay | Advanced |
2Checkout | Yes |
Worldpay | Yes |
2C2P | Yes |
kiple | Yes |
Payment Gateway | Accepted Currencies |
MOLPay | RM Only |
eGHL | RM Only |
PayPal | 24 Currencies (USD, RM, Euros, GBP, Yen, SGD and more currencies) |
iPay88 | RM Only (USD and others currencies are supported in iPay88 multicurrencygateway) |
Billplz | RM Only |
Maybank2u Pay | RM Only |
2Checkout | 12 International Currencies |
Worldpay | Up to 120 Currencies |
2C2P | RM (MYR), US, Singapore, Hong Kong $, Thailand |
kiple | RM (MYR) |
Payment Gateway | Set up type |
MOLPay | Online |
eGHL | Online |
PayPal | Online |
iPay88 | Online |
Billplz | Online |
Maybank2u Pay | Online |
2Checkout | Online |
Worldpay | Online |
2C2P | Online |
kiple | Online |
Payment Gateway | Onboarding & Approvals time |
MOLPay | 7 – 14 working days (for internet bank transfer)1 to 2 months (for credit card gateway) |
eGHL | 7 – 14 working days |
PayPal | Immediate |
iPay88 | 7 – 14 working days (for internet bank transfer)1 to 2 months (for credit card gateway) |
Billplz | 2 weeks |
Maybank2u Pay | 1 to 2 weeks |
2Checkout | 24-48 hours |
Worldpay | 5 working days |
2C2P | 1-2 weeks |
kiple | 2-3 weeks |
Payment Gateway | Recurring Billing |
MOLPay | Yes |
eGHL | Yes |
PayPal | Yes |
iPay88 | Yes |
Billplz | Yes |
Maybank2u Pay | Yes |
2Checkout | Yes |
Worldpay | Yes |
2C2P | Yes |
kiple | No |
Payment Gateway | Charges on Refunds |
MOLPay | No extra charge |
eGHL | RM 0.50 per transaction |
PayPal | No extra charge |
iPay88 | No extra charge |
Billplz | No extra charge |
Maybank2u Pay | No extra charge |
2Checkout | No extra charge |
Worldpay | No extra charge |
2C2P | Minor |
kiple | No extra charge |
Payment Gateway | SDK Stacks |
MOLPay | Curl, Ruby, Java, Python, PHP, C#, Nodejs |
eGHL | Docker, Java (Gradle) Java (Maven), JavaScript PHP, Python |
PayPal | Java, .net, PHP, python, node, ruby |
iPay88 | node, java, PHP |
Billplz | C#, Go, PHP, JavaScript, Ruby |
Maybank2u Pay | Java, JavaScript, NodeJs,PHP |
2Checkout | Java, Ruby, .net, C#, Python |
Worldpay | PHP, java, ruby, .net, |
2C2P | Ruby, Java, Python, PHP |
kiple | PHP, Java, Nodejs |
Payment Gateway | Settlement time |
MOLPay | FREE for Premium
RM2 per settlement Weekly Transfer to |
eGHL | Weekly Transfer to Bank Account. |
PayPal | Payment into PayPal Account Instantly. |
iPay88 | Weekly Transfer to Bank Account |
Billplz | Next day (T+1) |
Maybank2u Pay | Next day (T+1) |
2Checkout | Weekly – Transfer to Bank Account |
Worldpay | 4 weeks Transfer to Bank Account |
2C2P | Weekly – Transfer to Bank Account |
kiple | T+1/T+2 |
Payment Gateway | Payouts support |
MOLPay | Yes |
eGHL | Yes |
PayPal | Yes |
iPay88 | Yes |
Billplz | Yes |
Maybank2u Pay | No |
2Checkout | Yes |
Worldpay | Yes |
2C2P | No |
kiple | No |
Payment Gateway | Split payments |
MOLPay | Yes |
eGHL | No |
PayPal | Yes |
iPay88 | Yes |
Billplz | No |
Maybank2u Pay | No |
2Checkout | Yes |
Worldpay | Yes |
2C2P | No |
kiple | No |
Choosing the best payment gateway provider for your eCommerce website is a tedious process. While choosing, you should ensure that customer payment experience is smooth, fast and secure. This helps to increase trust among the customers and come back to purchase other products or services in the future.
Here are six factors to consider before selecting the payment gateway:
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