The payment + checkout leaks every Shopify store has (most never notice).
6 of the 15 leaks we find are payment-stage. BNPL placement, gateway choice, checkout friction.
From 10 Shopify audits across MY/SG. Markets with active BNPL adoption.
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Two of Malaysia's biggest gateways quietly changed names. Most comparison posts still use the old ones.
Updated 2026-08. Two brand changes since the last version: iPay88 now trades as ADAPTIS under NTT DATA Payment Services, and Razer Merchant Services is now Fiuu. Curlec by Razorpay, senangPay, and toyyibPay are added. Shopify's third-party gateway fee and supported-country list are re-checked against Shopify's own pages.
Why Does Your Payment Gateway Choice Matter So Much?
Most Malaysian Shopify store owners spend weeks picking their theme and 10 minutes choosing a payment gateway. That's backwards.
The best Shopify payment gateways in Malaysia for 2026 are ADAPTIS, formerly iPay88 (FPX and local e-wallets), Curlec by Razorpay (published FPX pricing and a live Shopify app), and Stripe (international cards). Shopify Payments is still not available in Malaysia, so every MY store runs a third-party gateway and pays Shopify's extra fee on top.
The best Shopify payment gateway in Malaysia depends on your buyer mix. International buyers and recurring subscriptions favour Stripe. Local shoppers paying by FPX or Malaysian cards are best served by ADAPTIS, Fiuu, or Curlec. Stores where DuitNow QR dominates should look at HitPay first. The reason most owners get this wrong is they pick whichever gateway their developer suggests, not the one their buyers prefer.
A warning before you read any other 2026 comparison. Most of them still list "iPay88" and "Razer Merchant Services" as if nothing changed, and several rank gateways whose Shopify app does not actually carry Malaysian payment methods. We checked each gateway's live Shopify App Store listing, not its marketing page. The difference is in the table below.
Your payment gateway directly affects:
- Conversion rate. If your customer's preferred payment method isn't available, they leave. In Malaysia, this often means FPX (online banking), which accounts for a significant chunk of online transactions.
- Cart abandonment. Every redirect, every extra step, every unfamiliar logo on the checkout page adds friction. The Malaysian consumer is increasingly impatient.
- Settlement speed. Some gateways hold your money for 7 days. Others settle in 1–2 business days. For a growing brand, cash flow timing matters.
- Recurring costs. Transaction fees add up fast. The difference between 2% and 3% per transaction on RM500k annual GMV is RM5,000 a year.
Full disclosure: WebMedic builds Shopify stores for Malaysian brands. We have direct production experience with ADAPTIS (iPay88), Fiuu (Razer Merchant), HitPay, Stripe, and Billplz across 80+ stores. No gateway paid for placement. Fees and feature data are sourced from each gateway's public docs and its live Shopify App Store listing as of 2026-08. Verify with the gateway directly before signing.
How We Evaluated Each Gateway
We graded the 10 gateways covered here on six criteria that actually affect Malaysian Shopify stores in production:
- Local payment method coverage. FPX, DuitNow (Pay/QR), GrabPay, Touch 'n Go, Boost, Shopee Pay. The mix every Malaysian customer expects.
- Card processing fees. The quoted fee for domestic cards on a typical RM50-RM500 ticket size. Lower is not always better; reliability matters.
- Shopify integration shape. Native (turnkey) vs third-party app vs custom. Affects setup time + ongoing maintenance load.
- Settlement speed. T+1 to T+5. Direct effect on ad-spend cash flow for growing brands.
- Approval timeline. How long from signup to live for a typical SSM-registered MY store.
- Failure rate at checkout. Based on production data from the dozens of MY Shopify stores we've operated. Reliability gaps that don't show on a feature comparison sheet.
How we picked. Public docs were the starting point. Every fee, settlement window, and supported method is sourced from the gateway's current documentation as of 2026-08. We also opened each gateway's live Shopify App Store listing, because a vendor's Malaysia marketing page and its Shopify app often cover different payment methods. Where docs were ambiguous (settlement variance, real failure rates), we cross-checked against the production data from the 80+ MY Shopify stores WebMedic has worked on since 2016. No gateway provided input, paid for placement, or reviewed this comparison. Fees and feature sets change quarterly, so verify with the gateway directly before signing.
Best Payment Gateway by Use Case
Six use-case picks before the deeper per-gateway breakdown below:
- Best for FPX-heavy stores → ADAPTIS, formerly iPay88. The widest FPX bank coverage in Malaysia (40+ banks) and the most stable FPX integration we've seen in production. The default if your customers pay primarily via online banking.
- Best for published, checkable pricing → Curlec by Razorpay. The only major MY gateway that puts its full rate card on a public page. FPX at 1.5% or RM1, whichever is greater. Domestic cards 2.5% to 2.8%. RM500 setup fee.
- Best for cross-border / global cards → Stripe. Native Shopify integration, fastest card processing, lowest friction on international checkout. Pair it with a local gateway. Stripe alone is not enough for MY traffic.
- Best for SG-MY split operations → HitPay. Single integration covers MY (FPX + DuitNow) and SG (PayNow + cards) under one merchant account. Best fit if you sell in both markets without wanting two gateway setups.
- Best for lowest fees on small ticket → Billplz. Cheapest standard FPX fees in the market (typically 1-2%). Worth the trade-off on UI polish if you sell low-ticket goods where every basis point matters.
- Best for fastest setup → Fiuu, formerly Razer Merchant Services. From application to live in 1-2 weeks if your SSM paperwork is in order. The fastest local approval cycle we've seen.
Which Payment Gateways Work Best for Malaysian Shopify?
For most Malaysian Shopify stores, ADAPTIS (formerly iPay88) and Fiuu (formerly Razer Merchant Services) are the strongest local options. Both cover FPX, major e-wallets, and DuitNow. HitPay is the best choice if DuitNow QR is a primary payment method for your customers.
Here's every payment gateway that works with Shopify in Malaysia, ranked by how well they work in practice, not in theory.
1. ADAPTIS, formerly iPay88: The Local Standard
Is iPay88 still called iPay88 in 2026?
No. iPay88 now trades as ADAPTIS, the payment brand of NTT DATA Payment Services Malaysia. NTT DATA announced ADAPTIS on 30 April 2025, and ipay88.com now redirects to the NTT DATA Payment Services site. Same gateway, same MY merchant pool, new brand. If a comparison post still says "iPay88" without noting this, it has not been updated in over a year.
ADAPTIS is the most widely integrated payment gateway in Malaysia. It supports FPX, credit and debit cards, e-wallets (GrabPay, Touch 'n Go, Boost), and Buy Now Pay Later options.
Is ADAPTIS still the cheapest FPX option in 2026?
Not the absolute cheapest. Billplz typically beats it on standalone FPX fees by 0.5-1%. But ADAPTIS covers 40+ MY banks and bundles e-wallets in the same merchant account, which Billplz does not. For Shopify stores doing a mix of FPX, GrabPay, and cards, the combined economics usually beat running two gateways.
Pros:
- Widest local payment method coverage (FPX, 40+ banks)
- Familiar to Malaysian consumers, which builds trust at checkout
- Supports all major e-wallets
- Good Shopify integration via third-party app
- Backed by NTT DATA, which reduces counterparty risk for larger stores
Cons:
- Setup requires a merchant application (not instant)
- Transaction fees vary by method (typically 1.5%–3%) and are not published publicly
- The rebrand means older integration docs and Shopify apps still reference iPay88
- Settlement: T+1 to T+3 business days depending on method
Best for: Malaysian Shopify stores that need full FPX and e-wallet coverage. If your customers are primarily Malaysian, ADAPTIS is almost always your primary gateway.
2. Fiuu, formerly Razer Merchant Services (and MOLPay before that)
Is Razer Merchant Services the same as Fiuu and MOLPay?
Yes, all three are the same gateway. MOLPay became Razer Merchant Services in 2017 after Razer acquired the company. Razer Fintech then consolidated everything under the Fiuu brand, with the change effective 1 March 2024. merchant.razer.com now redirects to fiuu.com. Same APIs, same MY merchant pool, new name.
Now trading as Fiuu, the former Razer Merchant Services offers similar coverage to ADAPTIS with a slightly different fee structure.
Pros:
- Strong FPX coverage
- DuitNow QR support
- Competitive rates, often lower than ADAPTIS for high-volume stores
- Cross-border support for selling into Singapore, Indonesia, Thailand
- Better API and developer documentation
Cons:
- Merchant onboarding can be slow (2–4 weeks)
- E-wallet coverage slightly behind ADAPTIS
- Shopify integration requires third-party connector
- Two rebrands in eight years means plenty of stale third-party integration guides
Best for: Stores doing RM50k+ monthly GMV who want to negotiate better rates, or stores selling cross-border into SEA markets.
3. Stripe: The Developer Favourite
Does Stripe support FPX in Malaysia?
No. Stripe processes credit and debit cards and GrabPay for Malaysian merchants but does not support FPX or DuitNow as of 2026-08. For Malaysian Shopify stores, Stripe is a secondary gateway for international cards, never a sole gateway. Pair it with iPay88, Razer Merchant, or HitPay for local payment coverage.
Stripe launched in Malaysia and offers a clean, modern experience. It's the easiest gateway to set up on Shopify because it's natively supported. No third-party app required.
Pros:
- Native Shopify integration, activate in minutes
- Beautiful checkout experience, minimal friction
- Excellent developer tools and documentation
- Supports credit/debit cards and GrabPay
- Real-time settlement visibility
Cons:
- No FPX support. This is the deal-breaker for many Malaysian stores
- Transaction fee: 2.9% + RM1.00 for domestic cards
- Limited e-wallet options compared to ADAPTIS
Best for: Stores targeting international customers, or as a secondary gateway alongside a local FPX-supporting gateway. Not ideal as your only gateway if most customers are Malaysian.
4. eGHL (e-Global HL)
Does eGHL support DuitNow in 2026?
Not as a standalone payment method on its public e-wallet listing as of 2026-08. eGHL supports FPX, e-wallets, and cards, but DuitNow QR and DuitNow Transfer are not in its published product set. If DuitNow is critical to your customers, pick iPay88, Razer Merchant, HitPay, or Billplz instead.
Another strong Malaysian payment gateway with good regional coverage and Bank Negara Malaysia compliance.
Pros:
- Full FPX support
- PCI DSS Level 1 certified
- Good for regulated industries (they handle compliance well)
- Multi-currency support
Cons:
- Integration with Shopify requires custom work or third-party app
- Less modern UI compared to Stripe
- Support response times can be slow
Best for: Stores in regulated categories or those needing multi-currency with full local payment method support.
5. Billplz: The Simplest Option
Is Billplz cheaper than ADAPTIS for low-ticket Shopify stores?
Typically yes on standalone FPX transactions (Billplz 1-2% vs ADAPTIS 1.5-3%), but only for stores where FPX is the dominant payment method. For stores with significant e-wallet (GrabPay, Touch 'n Go) or card volume, the ADAPTIS combined fee structure is usually competitive. Verify pricing in your dashboard before switching.
Billplz is popular with smaller Malaysian businesses for its simplicity. It handles FPX well and has a straightforward pricing model.
Pros:
- Simple setup and transparent pricing
- FPX support with broad bank coverage
- DuitNow support, natively available via Billplz wallet
- Fast settlement (T+1 for most methods)
- Good for invoicing and payment links
Cons:
- Limited e-wallet support
- Shopify integration requires third-party connector
- Fewer features for enterprise-level needs
Best for: Smaller Malaysian stores that want simple FPX coverage without the complexity of larger gateways.
6. PayPal: The International Backup
Is PayPal a viable primary gateway for Malaysian Shopify stores?
No. PayPal does not support FPX, DuitNow, or local Malaysian e-wallets. Fees are higher (3.9% + fixed per transaction) and settlement can be slow or held entirely for new accounts. PayPal works as a backup for international customers who prefer it, not as a primary gateway for a MY store.
PayPal has native Shopify integration and is useful for international transactions, but should not be your primary gateway for Malaysian customers.
Pros:
- Native Shopify integration
- Trusted internationally, useful for cross-border sales
- Buyer protection increases customer confidence
Cons:
- High fees (3.9% + fixed fee for cross-border)
- Not widely used by Malaysian consumers for local purchases
- Currency conversion adds hidden costs
- Account freezes are a known risk for high-volume sellers
Best for: As a secondary option for international customers only. Never as your primary Malaysian gateway.
7. HitPay: The DuitNow Specialist
Does HitPay support DuitNow QR in Malaysia?
Yes. HitPay natively supports DuitNow QR, FPX, GrabPay, and Touch 'n Go in Malaysia, plus PayNow + cards in Singapore. The DuitNow QR coverage is what makes it the best choice for stores where customers pay primarily via mobile QR scan rather than online banking.
HitPay is a Singapore-based payment gateway that has become a strong option for Malaysian Shopify stores prioritizing DuitNow QR. It ranks prominently for Malaysian payment gateway searches and has built-in support for DuitNow QR, Malaysia's primary QR payment standard, now displacing older QR implementations across the market.
Pros:
- Native DuitNow QR support, the dominant QR standard in Malaysia
- FPX support with broad bank coverage
- GrabPay and Touch 'n Go integration
- Clean Shopify integration via third-party app
- Transparent pricing. See HitPay's pricing page for current rates by payment method
Cons:
- Smaller local merchant base than ADAPTIS or Fiuu
- Less established track record in Malaysia compared to older local gateways
- Integration requires a third-party app (not native Shopify)
Best for: Malaysian Shopify stores where DuitNow QR is a key payment method. If a significant portion of your customers use QR-based payments, HitPay is a viable alternative to ADAPTIS as your primary local gateway.
8. Curlec by Razorpay: The Transparent Pricer
Is Curlec available on Shopify in Malaysia?
Yes, but not under the Curlec name. The Shopify app is published as "Razorpay Secure" by Razorpay Payments and went live on 1 August 2024. Its listing covers domestic and international cards, FPX, and GrabPay, Touch 'n Go, and Boost in Malaysia. If you search the Shopify App Store for "Curlec" you will find nothing.
Curlec is Razorpay's Malaysian arm, operating as Razorpay Curlec Sdn Bhd. It is the only major MY gateway that publishes its full rate card on a page anyone can read.
Pros:
- Public pricing, no sales call needed. FPX at 1.5% or RM1 whichever is greater, domestic cards 2.5% to 2.8%, e-wallets 1.5%, international cards 3%
- Strong recurring and direct debit product, which is rare in the MY market
- Razorpay engineering behind it, so the API and dashboard are modern
- Covers FPX plus the three main e-wallets in one merchant account
Cons:
- RM500 setup fee, which most competitors do not charge
- The Shopify app carries zero reviews, so you are an early adopter on that integration
- DuitNow QR inside Shopify checkout is claimed on Curlec marketing pages but is not named on the Shopify app listing, and the supporting docs pages are dead. Confirm it in writing before you rely on it
- Smaller Malaysian merchant base than ADAPTIS or Fiuu
Best for: Stores that want to compare real numbers before signing, and any store with a subscription or instalment component.
Narrowed it down to two gateways? That is usually the point where the decision stops being about fees and starts being about your buyer mix and your checkout build. Complete the store scorecard so WebMedic can confirm whether your Malaysian Shopify store fits a focused implementation review. See if WebMedic can help implement your gateway choice →
9. senangPay: The BNPL and Instalment Option
senangPay, now operating as senangPay-DOKU under Simplepay Gateway Sdn Bhd, publishes a dedicated Shopify integration page covering FPX, e-wallets, cards, BNPL, and instalments.
Pros:
- One of the few MY gateways that bundles BNPL and instalments with FPX and cards
- Long track record with Malaysian SMEs
- Regional backing after the DOKU merger in 2022
Cons:
- No senangPay app is findable in the Shopify App Store, so the integration mechanism is unclear from public sources. Ask exactly how it is wired before you commit
- The older Shopify getting-started guide URL now returns a 404
- Smaller developer ecosystem than ADAPTIS, Fiuu, or Curlec
Best for: Malaysian stores where instalments or BNPL move a meaningful share of orders, once you have confirmed the integration path in writing.
10. toyyibPay: Shariah-Compliant, WooCommerce First
toyyibPay is a Malaysian Shariah-compliant gateway covering FPX, cards, and QRPay, with payment links, split payment, and daily auto-settlement.
Pros:
- Shariah-compliant positioning, which matters for halal and Muslim-market brands
- Simple onboarding and daily settlement
- Strong fit for payment links and invoicing alongside a store
Cons:
- No official Shopify integration. toyyibPay's own site links only to a WooCommerce plugin, and the word Shopify does not appear on its homepage. Every Shopify path we found is third-party (a connector app or an automation tool)
- Feature set is narrower than the full-service gateways
Best for: Malaysian WooCommerce stores, and Shopify stores willing to run a third-party connector for the Shariah-compliance positioning.
The Airwallex caveat, because other 2026 lists get this wrong
Airwallex ranks itself first in its own "best payment gateways for Shopify Malaysia" post, and that post ranks on page one. Read the Shopify app listing before you believe it.
Airwallex's Malaysia marketing page does list FPX, DuitNow, GrabPay, Touch 'n Go, Boost, and Atome. But the live Airwallex Card Payments app on the Shopify App Store is cards only: Visa, Mastercard, Amex, UnionPay, JCB, Apple Pay, and Google Pay. MYR is not among the settlement currencies on that listing, and neither FPX nor DuitNow appears anywhere in it.
That does not make Airwallex a bad product. It means a Malaysian merchant cannot assume that Airwallex's MY payment-method list is what Shopify checkout will actually show. Get it in writing, or treat Airwallex as a card gateway in the same slot as Stripe. This is the exact failure mode we warn clients about: a vendor's country landing page and its Shopify app are two different product surfaces.
How Do These Gateways Compare?
ADAPTIS (formerly iPay88) and HitPay offer the most complete local coverage: FPX, e-wallets, and DuitNow. Curlec is the only one publishing a full public rate card. Stripe and PayPal are the only two with native Shopify integration, and neither supports FPX. toyyibPay has no official Shopify app at all.
| Gateway | FPX | E-Wallets | DuitNow | Cards | Shopify Native | Typical Fee |
|---|---|---|---|---|---|---|
| ADAPTIS (was iPay88) | ✅ | ✅ Full | ✅ | ✅ | ❌ (app) | 1.5%–3% |
| HitPay | ✅ | GrabPay, TnG | ✅ | ✅ | ❌ (app) | See pricing |
| Fiuu (was Razer Merchant) | ✅ | ✅ Partial | ✅ | ✅ | ❌ (app) | 1.5%–2.5% |
| Curlec by Razorpay | ✅ 1.5% or RM1 | GrabPay, TnG, Boost | ⚠️ Unconfirmed on Shopify | ✅ | ❌ (app: Razorpay Secure) | Cards 2.5%–2.8%, RM500 setup |
| Billplz | ✅ | Limited | ✅ | ✅ | ❌ (app) | 1%–2% |
| eGHL | ✅ | ✅ Partial | ❌ | ✅ | ❌ (app) | 2%–3% |
| senangPay-DOKU | ✅ | ✅ | Ask | ✅ + BNPL | ❌ (ask) | Ask |
| toyyibPay | ✅ | QRPay | Ask | ✅ | ❌ No official app | Ask |
| Stripe | ❌ | GrabPay only | ❌ | ✅ | ✅ | 2.9% + RM1 |
| PayPal | ❌ | ❌ | ❌ | ✅ | ✅ | 3.9% + fixed |
| Airwallex | ⚠️ Not on the Shopify app | ⚠️ Not on the Shopify app | ⚠️ Not on the Shopify app | ✅ | ❌ (app) | 1.90% + RM1.50 domestic cards |
Every gateway in that table charges you twice. Its own fee, plus Shopify's third-party payment provider fee, because Shopify Payments is not available in Malaysia. That second fee is 2% on Basic, 1% on Grow, 0.6% on Advanced, and 0.2% on Plus, per Shopify's pricing page.
Which Gateway Setup Should You Choose?
Most Malaysian Shopify stores should run a dual-gateway setup: ADAPTIS or Fiuu as primary (for FPX and e-wallets) plus Stripe as secondary (for international cards). If DuitNow QR is significant for your customers, substitute HitPay as your primary.
For most Shopify stores in Malaysia, the answer is a combination:
- Primary: ADAPTIS or Fiuu. For FPX and e-wallets (where most Malaysian transactions happen)
- Secondary: Stripe. For international card payments and a seamless card checkout experience
If DuitNow QR is a significant payment method for your customers, substitute HitPay as your primary gateway instead of ADAPTIS. HitPay covers DuitNow QR, FPX, GrabPay, and Touch 'n Go, making it a viable alternative for stores where QR-based payments dominate.
This dual-gateway setup covers every payment method Malaysian and international customers use, without forcing anyone into a method they don't trust. For a broader look at how platform choice affects payments (including loyalty integrations), see our Shopify vs WooCommerce loyalty program tools comparison and our guide on choosing the right platform.
If you're doing less than RM20k/month, start with ADAPTIS + Stripe, or Curlec if you want published rates you can check before signing. Once you scale past RM50k/month, it's worth negotiating custom rates with Fiuu.
What Mistakes Do Malaysian Store Owners Make?
The most costly mistake is running Stripe as your only gateway. Without FPX, you lose a significant share of Malaysian shoppers who prefer online banking. The second most costly mistake is skipping checkout testing. Most integration issues only appear when a real customer tries to pay on mobile.
1. Only using Stripe. Stripe is excellent, but without FPX, you're invisible to a large segment of Malaysian shoppers who prefer online banking. Always pair it with a local gateway.
2. Not testing the checkout experience. Set up your gateway and then actually buy something from your own store. On mobile. With every payment method. You'll find friction points that are invisible from the admin panel.
3. Ignoring settlement speed. If your gateway holds funds for 7 days and your ad spend needs cash flow, you'll feel the squeeze. Factor settlement timing into your financial planning.
4. Choosing based on fees alone. The cheapest gateway doesn't help if it has an 8% failure rate on FPX transactions. Reliability matters more than saving 0.5% per transaction.
How Do You Set Up a Payment Gateway on Shopify?
Stripe and PayPal activate in minutes from Settings → Payments. Local gateways (ADAPTIS, Fiuu, Curlec, eGHL, Billplz) require a merchant application and a third-party Shopify app. The process typically takes 1–3 weeks from application to live integration.
Shopify makes it straightforward:
- For Stripe or PayPal: Go to Settings → Payments → Activate. You'll be live in minutes.
- For ADAPTIS, Fiuu, Curlec, eGHL, or Billplz: You'll need to install a third-party Shopify app, apply for a merchant account with the gateway, and configure the integration. The process typically takes 1–3 weeks.
If you're not technical, this is exactly the kind of thing a Shopify agency in Malaysia handles as part of your store setup. Getting the integration right, including testing every payment method and handling edge cases, is worth getting right from day one.
How Fast Do Malaysian Payment Gateways Settle Funds?
Billplz settles FPX at T+1, making it the fastest for cash flow. ADAPTIS and eGHL settle T+1 to T+3 depending on payment method. PayPal is the slowest and most unpredictable, particularly for new accounts.
Settlement speed matters for cash flow. Here is what each gateway typically delivers:
| Gateway | Settlement Speed | Notes |
|---|---|---|
| Stripe | T+2 business days | Consistent and reliable |
| ADAPTIS (was iPay88) | T+1 to T+3 | Varies by payment method |
| Fiuu (was Razer Merchant) | T+2 to T+4 | Faster for high-volume merchants |
| Curlec by Razorpay | Not published | Rate card is public, settlement window is not. Ask before signing |
| Billplz | T+1 | One of the fastest for FPX |
| eGHL | T+2 to T+3 | Standard banking cycle |
| PayPal | T+3 to T+5 | Can hold funds for new accounts |
For brands running paid ads, settlement speed directly affects your ability to reinvest in ad spend. A 7-day hold when you are spending RM20k/month on Meta ads creates real cash flow pressure. Prioritize faster settlement gateways or maintain a buffer float in your business account.
Which Payment Gateways Work in Malaysia Outside Shopify?
The Malaysian payment gateway market is roughly ten players: ADAPTIS (formerly iPay88), Fiuu (formerly Razer Merchant Services), Curlec by Razorpay, Billplz, eGHL, HitPay, senangPay, toyyibPay, Stripe, and PayPal. Platform choice narrows that list fast. Shopify rules out toyyibPay's official plugin, and WooCommerce rules out nothing.
Most Malaysian payment gateway comparisons are written for Shopify or for WooCommerce, never both. Here is the platform-neutral view, because the gateway you can get is not always the gateway your platform supports.
The full Malaysia payment gateway list, by platform reality:
| Gateway | Shopify | WooCommerce | Payment links / invoicing |
|---|---|---|---|
| ADAPTIS (formerly iPay88) | Third-party app | Official plugin | Yes |
| Fiuu (formerly Razer Merchant) | Third-party connector | Official plugin | Yes |
| Curlec by Razorpay | Razorpay Secure app | Official plugin | Yes |
| Billplz | Third-party connector | Official plugin | Yes |
| eGHL | Custom or third-party app | Official plugin | Yes |
| HitPay | Third-party app | Official plugin | Yes |
| senangPay-DOKU | Vendor integration page, no App Store listing found | Official plugin | Yes |
| toyyibPay | No official app | Official plugin | Yes, this is its strength |
| Stripe | Native | Official plugin | Yes |
| PayPal | Native | Official plugin | Yes |
WooCommerce has the better gateway coverage in Malaysia. Every gateway above ships or supports a WordPress plugin, including toyyibPay, which has no Shopify path at all. If Shariah compliance or payment links are central to how you sell, that is a genuine reason to weigh WooCommerce. We cover the wider trade-off in our Shopify vs WooCommerce platform guide.
Shopify has the better checkout. The gateway list is shorter, but the checkout converts better out of the box and the maintenance load is lower. For most Malaysian DTC brands that is the right trade, which is why we build on Shopify.
What does not change with platform. FPX coverage, DuitNow QR support, settlement speed, and approval timelines are gateway properties, not platform properties. A gateway that settles T+3 on Shopify settles T+3 on WooCommerce.
What is DuitNow QR, and does it matter? DuitNow QR is Malaysia's national QR payment standard, operated by PayNet. One QR code works across participating banks and e-wallets. If your buyers pay by phone rather than by online banking, a gateway without DuitNow QR is leaving orders on the table.
What Is a Shopify Payment Gateway?
A Shopify payment gateway is the service that authorises and processes payments on a Shopify store. It sits between the buyer's card or bank and the merchant's bank account. It encrypts card data, requests authorisation from the issuer, and moves funds. Shopify supports 100+ gateways globally. In Malaysia, the working set is around 10.
A Shopify payment gateway is one of three components in the checkout stack, and founders regularly confuse them.
Component one is the merchant account. This is the bank account that receives settled funds. It can be your business current account at Maybank, HLB, CIMB, or any commercial bank.
Component two is the payment gateway. This is the third-party service (ADAPTIS, Curlec, Stripe, Fiuu, HitPay, Billplz) that handles authorisation, fraud screening, and the buyer-facing checkout flow. It connects Shopify to the card networks (Visa, Mastercard), bank rails (FPX, DuitNow), and e-wallets (GrabPay, Touch 'n Go).
Component three is the Shopify integration. This is the technical glue. Shopify's payment provider directory lists every supported gateway. Most have native plugins. Some require third-party apps or custom development.
The reason a Malaysian store cannot use Shopify Payments (Shopify's own gateway) is that Shopify Payments is not available in Malaysia as of 2026-08. Malaysia is absent from Shopify's own supported countries list. You pick a third-party gateway, install it from Shopify's directory, and pay both gateway fees and Shopify's third-party payment provider fee, which starts at 2% on the Basic plan. For the full Malaysia setup walkthrough, see our guide to Shopify in Malaysia.
Does Shopify Have Its Own Payment Gateway?
Yes, Shopify has its own gateway called Shopify Payments, but it is not available in Malaysia. Shopify Payments works in the US, UK, Canada, Australia, Singapore, Japan, the UAE, and 30+ other countries and regions. In Malaysia, you must use a third-party gateway (iPay88, Stripe, Razer, HitPay, Billplz) and pay the 2% Shopify transaction fee on top of gateway fees.
Shopify Payments is Shopify's built-in payment processor. It is the default option in supported markets. It removes the 2% Shopify transaction fee because Shopify earns directly on the processing instead.
Where it works. Shopify's supported countries page lists 40 countries and regions as of 2026-08, including Singapore, Hong Kong SAR, Australia, Japan, the UAE, the UK, the US, and most of the EU. Shopify does not publish a running total, so treat any post quoting a round number without a link as unchecked.
Where it does not work. Malaysia is not on the list. Indonesia, Thailand, Vietnam, and the Philippines also are not supported. The reason is regulatory; Shopify needs a local entity, banking partners, and regulator approval in each market.
What this means for MY founders. You install a third-party gateway from Shopify's directory. You pay both the gateway fees (1.5% to 3% per transaction depending on payment method) and Shopify's third-party payment provider fee, which is 2% on Basic, 1% on Grow, 0.6% on Advanced, and 0.2% on Plus, per Shopify's pricing page. Advanced does not zero it out; that is a common and expensive misreading. For most Malaysian Shopify stores, the right setup is iPay88 or Razer Merchant for FPX and e-wallets, plus Stripe as a secondary gateway for international card payments. Run the math: if you sell internationally, the Advanced plan can save more than its price difference in waived Shopify transaction fees. For setup help, talk to a Shopify expert in Malaysia.
How Does a Shopify Payment Gateway Work?
A Shopify payment gateway authorises a card or bank transfer in five steps: tokenise card data, send to the acquiring bank, request authorisation from the issuer, return approval or decline to Shopify, settle funds to the merchant account. The whole flow happens in under 3 seconds at checkout. Settlement to your bank account takes T+1 to T+5.
Most founders never look under the hood of their gateway. Understanding the flow matters because it tells you where checkout failures actually happen.
Step 1, tokenisation. When a buyer types a card number into Shopify's checkout, the gateway converts it into an encrypted token. Raw card data never touches Shopify's servers. This is what keeps you PCI-compliant by default.
Step 2, routing. The gateway sends the token to the acquiring bank (the bank that holds your merchant account or the gateway's pooled merchant account).
Step 3, authorisation. The acquiring bank requests authorisation from the issuing bank (the buyer's card-issuing bank, Maybank, HLB, CIMB, OCBC). The issuer checks balance, fraud flags, and 3D Secure where required.
Step 4, response. Approval or decline returns through the chain back to Shopify in under 3 seconds. Decline reasons (insufficient funds, fraud block, wrong CVV) determine what error message the buyer sees.
Step 5, settlement. Approved transactions batch overnight. The gateway settles funds to your bank account T+1 to T+5 depending on payment method and gateway. FPX usually settles fastest; international cards slowest.
The places this flow breaks are step 3 (issuer decline) and step 4 (timeout). For Malaysian stores, FPX timeout failures are the most common silent killer. Our Shopify checkout friction points breakdown covers the fix patterns.
Which Shopify Payment Gateway Is Best for International Sales?
Stripe is the best Shopify payment gateway for international card payments out of Malaysia. It accepts cards from 195 countries, handles multi-currency automatically, and integrates natively with Shopify. Pair it with a local Malaysian gateway (iPay88, HitPay, or Razer) for FPX coverage on domestic orders.
If your Malaysian Shopify store sells to buyers outside Malaysia, the gateway question changes. Local gateways like ADAPTIS and Billplz are optimised for FPX and domestic e-wallets. They are not optimised for international cards.
Why Stripe wins for international. Stripe's card decline rate on cross-border transactions is the lowest of any gateway available to MY merchants. It accepts Visa, Mastercard, Amex, Discover, JCB, and Diners. It does multi-currency conversion at the card network rate plus 1% (versus 2-3% for most local gateways).
The dual-gateway pattern. The setup most international-selling MY stores end up with: Stripe as the primary gateway for cards, ADAPTIS or Fiuu for FPX and local e-wallets, configured side-by-side in Shopify's payment settings. Buyers see local methods (FPX, DuitNow, GrabPay) at checkout if they are paying in MYR; international buyers see card-only with their local currency auto-converted.
The fee trade-off. Stripe charges 3% + RM1 per international card. Local cards are 2.6% + RM1. FPX through ADAPTIS is 1-2%, and Curlec publishes FPX at 1.5% or RM1 whichever is greater. Run the math by buyer mix.
For brands operating across Malaysia and Singapore, HitPay handles both markets under one merchant account, which simplifies operations. See our Shopify Singapore and best ecommerce platforms in Singapore guides for the SG-side decision tree.
Shopify Payment Gateway vs Shopify Payments: What Is the Difference?
Shopify Payments is one specific gateway built by Shopify. A Shopify payment gateway is the general term for any gateway that integrates with Shopify. Shopify Payments waives the third-party payment provider fee. Third-party gateways do not. In Malaysia, only third-party gateways are available because Shopify Payments does not launch here yet.
The terminology trips up founders because Shopify uses both phrases. Here is the clean distinction.
Shopify Payments (capital P, branded product). Shopify's in-house payment processor. Powered by Stripe under the hood (Shopify partners with Stripe to deliver it). Listed in 40 countries and regions as of 2026-08. Benefits: no third-party payment provider fee, faster setup, single dashboard for payouts and refunds. Limits: not available in Malaysia, fewer fraud-control levers than a standalone gateway.
Shopify payment gateway (lowercase, category term). Any third-party gateway certified to work with Shopify. ADAPTIS, Curlec, Stripe, Fiuu, HitPay, Billplz, eGHL, senangPay, toyyibPay, and PayPal all fall in this category. Benefits: works in every market Shopify supports. Trade-off: you pay Shopify's third-party payment provider fee on top of the gateway fee, from 2% on Basic down to 0.2% on Plus.
What this means for the MY decision. Until Shopify Payments launches in Malaysia, every MY Shopify store uses a third-party gateway. The right choice depends on payment-method mix (FPX-heavy versus card-heavy versus e-wallet-heavy) and on whether international sales matter. Our guide on how Shopify is available in Malaysia walks through the decision tree end to end. For an outside perspective on the setup, talk to a Shopify expert in Malaysia before signing a multi-year gateway contract.
Which Setup Is Right for Your Malaysian Store?
No single gateway covers everything Malaysian and international customers need. The right setup is a local primary gateway (ADAPTIS, Fiuu, Curlec, or HitPay) for FPX, e-wallets, and DuitNow, plus Stripe as secondary for international card payments, configured and tested on mobile before launch.
The best Shopify payment gateway for Malaysia is not one gateway. It is the right combination. ADAPTIS, Fiuu, or Curlec for local payments, Stripe for international cards, and a tested checkout flow that does not lose customers at the last step. For stores where DuitNow QR is a primary payment method, HitPay is a strong alternative to ADAPTIS as the local gateway. It covers DuitNow, FPX, and major e-wallets in a single integration. As a Shopify agency in Malaysia, we have configured dual-gateway setups across dozens of stores, and the right combination depends on your customer's actual payment behaviour, not the default recommendation.
Want help implementing the gateway choice you are already considering? See if WebMedic can help implement your gateway choice →. Complete WebMedic's store scorecard so we can confirm whether your Malaysian Shopify store fits a focused implementation review.
Frequently Asked Questions
What is the best Shopify Malaysia payment gateway setup for 2026?
Run two gateways. A local primary for FPX, DuitNow, and e-wallets (ADAPTIS, Fiuu, Curlec, or HitPay), plus Stripe as secondary for international cards. Shopify Payments is not available in Malaysia, so a single-gateway setup either loses local buyers or loses international ones.
What are the top 10 payment gateways in Malaysia?
The working set is ADAPTIS (formerly iPay88), Fiuu (formerly Razer Merchant Services), Curlec by Razorpay, Billplz, eGHL, HitPay, senangPay-DOKU, toyyibPay, Stripe, and PayPal. The first eight are Malaysian or Malaysia-focused. Stripe and PayPal are international gateways with no FPX support.
Which payment gateway is best for WooCommerce in Malaysia?
WooCommerce has broader Malaysian gateway coverage than Shopify. Every major MY gateway ships an official WordPress plugin, including toyyibPay, which has no Shopify app at all. For a WooCommerce store, pick on fees and settlement speed rather than integration availability, because availability is not the constraint.
Is Airwallex a good Shopify payment gateway for Malaysia?
Airwallex is a solid card gateway, but check the Shopify app before assuming local coverage. Its Malaysia marketing page lists FPX and DuitNow; its live Shopify app listing covers cards only, and MYR is not among the listed settlement currencies. Treat it as a Stripe alternative, not an FPX gateway.
Does Shopify work with FPX in Malaysia?
Shopify does not support FPX natively. To accept FPX payments on your Shopify store, you need a third-party payment gateway that supports it. ADAPTIS (formerly iPay88), Fiuu (formerly Razer Merchant Services), Curlec, eGHL, and Billplz all support FPX. Stripe does not offer FPX. Because FPX is one of the most common payment methods for Malaysian online shoppers, choosing a gateway without FPX will significantly hurt your conversion rate.
Can I use multiple payment gateways on Shopify Malaysia?
Yes, and for most Malaysian stores you should. The recommended setup is a primary gateway (ADAPTIS or Fiuu) for FPX and e-wallets, plus Stripe as a secondary gateway for international card payments. Shopify allows you to activate multiple payment providers simultaneously from your Settings > Payments dashboard.
What is the cheapest payment gateway for Shopify in Malaysia?
Billplz has the lowest standard rates, typically 1%-2% per FPX transaction. For card payments, ADAPTIS and Fiuu are competitive at 1.5%-2.5%, and Curlec publishes domestic cards at 2.5% to 2.8% for stores doing higher volumes. That said, "cheapest" depends on your transaction mix. If most of your customers pay via FPX, optimize for FPX fees. If you sell internationally, compare card rates more carefully.
How long does payment gateway approval take in Malaysia?
It depends on the gateway. Stripe is the fastest. You can be live in minutes with instant approval. ADAPTIS, Fiuu, and eGHL require a merchant application, supporting documents (SSM registration, bank details, website review), and approval typically takes 1-4 weeks. Plan for this when launching a new store.
What is the best Shopify plan for small businesses in Malaysia?
The Basic Shopify plan works well for most small Malaysian businesses starting out. It covers everything you need to launch with payment gateway integrations. Because Shopify Payments is not available in Malaysia, every MY store pays Shopify's third-party payment provider fee on top of gateway fees. That is 2% on Basic, 1% on Grow, 0.6% on Advanced, and 0.2% on Plus. Advanced does not remove it.
Related Malaysia + Singapore reading:
- Best Shopify Experts in Malaysia (2026). The agency-side decision once your payment stack is sorted.
- Best Ecommerce Platforms in Singapore (2026). The platform-side decision for SG-MY split operations.
- How to Start an Online Business in Malaysia (2026 Guide)
- 5 Shopify Checkout Friction Points Killing Your Conversion Rate
- Shopify Malaysia. Platform availability + setup overview for MY founders.
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