Platform decisions
Shopify payment gateways in Malaysia compared
Shopify Payments is not available in Malaysia. Compare local gateways for FPX, DuitNow QR, cards, e-wallets and BNPL, with published fees and Shopify's own fee.
· 7 min read
Payment gateways
Get paid by FPX, card and e-wallet.
Shopify Payments is not available in Malaysia, so every Malaysian Shopify store needs a local payment gateway. Compare six side by side, then let us connect the one that fits.
How it flows
- Checkout
- Gateway
- Paid
- Your bank
What we do
What's included.
Gateway comparison
Fees modelled against your real order value and payment mix.
FPX online banking
Payment from Malaysian bank accounts, the method many local shoppers expect.
Cards
Visa and Mastercard on every gateway listed, plus UnionPay, Amex and more on some.
E-wallets and BNPL
Touch 'n Go, Boost and GrabPay, with Atome or PayLater by Grab where offered.
Checkout setup and testing
Gateway app installed and test orders run on mobile before launch.
Payout reconciliation
Gateway payouts matched to Shopify orders, or synced to your accounting system.
Compare
Six Malaysian gateways, side by side.
All six work with Shopify. Pick by your payment mix, not the headline rate.
Plus Shopify's third-party fee on every sale
2% Basic1% Grow0.6% Advanced
Razorpay Curlec
- FPX
- E-wallets
- BNPL
- Recurring
- Setup fee
- RM 500
- Annual fee
- Waived
- Payout to your bank
- T+2
- Cards
- Visa, Mastercard, UnionPay
- BNPL
- Atome
Transaction fees
- FPX 1.5% (min RM 1)
- Domestic cards 2.4%
- DuitNow QR 1.2% (min RM 0.30)
- Touch 'n Go, Boost 1.5%
- Atome 6%
Payex
- FPX
- E-wallets
- BNPL
- Recurring
- Setup fee
- None
- Annual fee
- None
- Payout to your bank
- On request
- Cards
- Visa, Mastercard, UnionPay
- BNPL
- Atome, PayLater by Grab
Transaction fees
- FPX RM 0.99
- Local credit cards 1.70%
- Local debit cards 1%
- Foreign cards 2.65%
- E-wallets 1.10%
- Instalments 3.8% to 8%
kiplePay
- FPX
- E-wallets
- BNPL
- Recurring
- Setup fee
- RM 300
- Annual fee
- RM 500 (waived on approval)
- Payout to your bank
- T+1 or T+2
- Cards
- Visa, Mastercard
- BNPL
- Atome, PayLater by Grab
Transaction fees
- Cards 2% to 2.5%
- Online banking RM 1 to RM 1.50
2C2P
- FPX
- E-wallets
- BNPL
- Recurring
- Setup fee
- RM 300
- Annual fee
- RM 300
- Payout to your bank
- Weekly
- Cards
- Visa, Mastercard, UnionPay, Amex, Diners, Discover
- BNPL
- Atome, PayLater by Grab
Transaction fees
- Rate on application
CommercePay
- FPX
- E-wallets
- BNPL
- Recurring
- Setup fee
- RM 200
- Annual fee
- Waived
- Payout to your bank
- Weekly
- Cards
- Visa, Mastercard, Amex, Discover
- BNPL
- Atome, PayLater by Grab
Transaction fees
- FPX RM 0.90
- Local credit cards 1.65%
- Local debit cards 1.20%
- Foreign cards 2.70%
- E-wallets 1.30%
iPay88
- FPX
- E-wallets
- BNPL
- Recurring
- Setup fee
- RM 488 (plus RM 900 bank fee for cards)
- Annual fee
- RM 500
- Payout to your bank
- Weekly
- Cards
- Visa, Mastercard
- BNPL
- Atome, PayLater by Grab
Transaction fees
- Cards 3%
- Online banking and e-wallets 3% (min RM 0.60)
Razorpay Curlec and 2C2P transaction fees as each provider published them, checked 18 October 2026. Other figures from O2O Ecommerce's gateway comparison, checked 22 October 2026. Fees exclude tax and change often: confirm with the provider before you apply.
How it works
The process, step by step.
- 1
Compare
We look at your order value and payment mix, and shortlist gateways.
- 2
Apply
You sign up with the gateway. We get the store ready for their review.
- 3
Connect and test
We install the gateway on Shopify and run test orders before you go live.
The problem
Why the gateway choice matters
Every sale pays two fees: the gateway's rate, and Shopify's third-party fee of 2% on Basic, 1% on Grow or 0.6% on Advanced. The cheapest headline rate is not always the cheapest for your mix of FPX, cards and e-wallets.
Settlement speed, refunds and how payouts reach your accounts also differ between gateways.
Questions
Asked often.
Can I use Shopify Payments in Malaysia?
No. Malaysia is not on Shopify's supported countries list for Shopify Payments, so Malaysian stores use a third-party gateway.
Does Shopify charge extra when I use a local gateway?
Yes. Shopify charges a third-party transaction fee of 2% on Basic, 1% on Grow or 0.6% on Advanced, on top of the gateway's own rate.
Can I use more than one gateway?
Yes. Many stores run one gateway for FPX and e-wallets and another for cards or foreign buyers. Each extra gateway is another payout to reconcile.
Can you set up our payment gateway?
Yes. We help you choose, prepare the store for the gateway's review, install it on Shopify and test it. We can also connect payouts to your accounting system.
Read next
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· 5 min read
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Next step
Get help choosing a gateway.
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