Which Payment Gateway Should a Malaysian Charity Use? iPay88, Billplz, toyyibPay, Stripe and Airwallex Compared (2026)

The short answer

If most of your donations and membership fees come in through online banking, pick a gateway that charges a flat FPX fee. On a RM100 payment, toyyibPay takes RM1.00 and Billplz Basic takes RM1.25. Stripe takes RM4.00 on the same payment. Small gifts are the exception: under about RM35, Airwallex's percentage fee works out cheaper. Stripe still earns its place if a lot of your donors give with foreign cards.

The rates below are what each gateway published in mid 2026. They change, so check them with the gateway before you sign.

What each gateway charges

• Stripe Malaysia: 3% + RM1.00 for both FPX and local cards. International cards cost another 1%, currency conversion another 2%, and a disputed payment RM90. There's no setup or monthly fee, and DuitNow QR isn't on its list (MalaysiaPG).
• Billplz Basic: RM1.25 flat per FPX payment from an individual, or RM3.00 when a business pays. Local cards cost 1.8% (3.8% for non-ringgit cards) and DuitNow QR 1.5%. The Basic plan is free. The Standard plan costs RM999 a year and brings FPX down to RM0.75 (Cravings in Malaysia).
• toyyibPay: RM1.00 flat per FPX payment from an individual, or RM2.00 from a business. DuitNow QR costs 1% or RM1.00. To accept cards you pay RM100 to get started and RM100 a year from the second year, and sources disagree on the card rate itself, quoting anywhere from 1.5% to 2% (MalaysiaPG, Lesgo Media).
• Airwallex: from 1.4% + RM0.50 for FPX and DuitNow QR, and 1.9% + RM0.50 for local cards, with no monthly fee (Airwallex).
• iPay88: no published rates. It does charge setup and annual fees, so ask for the full schedule in writing before you compare it with the others.

What a donation actually costs you

Here's what each gateway keeps from a single FPX donation:

• RM20: about RM0.78 with Airwallex, RM1.00 with toyyibPay, RM1.25 with Billplz and RM1.60 with Stripe.
• RM100: RM1.00 with toyyibPay, RM1.25 with Billplz, about RM1.90 with Airwallex and RM4.00 with Stripe.
• RM500: RM1.00 with toyyibPay, RM1.25 with Billplz, about RM7.50 with Airwallex and RM16.00 with Stripe.

The flat fee starts winning at around RM35. Below that, a small percentage plus 50 sen costs less.

Over a year the difference gets large. Say your charity takes 1,000 FPX donations of RM100 every month. Stripe would keep about RM48,000 of that a year and toyyibPay about RM12,000, so you'd lose RM36,000 more to Stripe, often more than the donation website cost to build.

DuitNow QR and FPX

DuitNow QR is the national QR standard, so any participating bank app or e-wallet can scan it. Donors pay nothing to use it, though your bank or payment provider may charge you a merchant fee (PayNet). It's handy at events, counters and on printed materials, where someone can scan and give on the spot. We publish a free, open source DuitNow QR library for generating these codes.

FPX is online banking. The donor goes to their bank's login page, approves the payment and comes back to your site. Maybank and CIMB say PayNet is moving FPX to a newer service called DuitNow Online Banking/Wallets (CIMB), so ask your gateway whether it already supports it.

Both run in an ordinary web browser, which means a donation page doesn't need an app (our guide on web apps, PWAs and mobile apps explains when one is worth it). An iPhone app is actually harder: Apple only lets approved nonprofits take donations inside an app, and only if the app offers Apple Pay (Apple App Review Guidelines, sections 3.2.1 and 3.2.2).

What to ask before you sign

1. Are these rates for payments from individuals or from businesses? If companies pay your membership fees or sponsorships, you'll pay the business FPX rate: RM3.00 at Billplz and RM2.00 at toyyibPay.
2. What documents do you need from a registered society or a company limited by guarantee, and how long does approval take?
3. When does the money reach our bank account, and is there a minimum payout?
4. Can donors set up a monthly donation, and what does that cost?
5. What do refunds and disputed payments cost?
6. Are there setup, annual or card-activation fees on top of the per-payment rate?
7. Does the fee include service tax?

Ask for the answers in writing. These extras are where two gateways with similar headline rates end up costing very different amounts. If a developer is setting the gateway up for you, our questions to ask an IT vendor in Malaysia are worth going through too.

How we can help

Our team in Subang Jaya works with Malaysian charities, associations and SMEs on the whole payment setup, from choosing the gateway to the page your donors actually use. We've built payment, membership and client management systems for organisations across Malaysia and Singapore, from a membership council's renewals to a dementia care centre's client records, attendance and invoicing.

• Donation and payment pages: we build donation pages, event payments and online shops on FPX, DuitNow QR or whichever gateway suits your donors, as part of our applications and portals work. Each payment lands in your records automatically, so nobody has to match bank statements by hand.
• Membership and renewals: we build membership and renewal systems around how your organisation actually works. For one membership council, that meant replacing the spreadsheet they used to track renewals with an app their members use directly. If you'd rather start with something ready-made, JoinNests is our membership software for associations, and it's one of several products we offer.
• DuitNow QR: our free, open source DuitNow QR library is on npm and GitHub if your own developers want to use it.
• Not sure what you need: a fixed-price IT audit looks at how you collect money today and what it's costing you.
• After launch: FlexiTech gives you a named engineer for an agreed share of their week, so someone who knows your setup is there when a payment goes wrong.

One recent example is the online farm shop we built for Life2Life Oasis Farm in Klang, designed around the farm's weekly cycle of orders, harvest and deliveries.

You get a fixed quote in ringgit for the scope we agree. We open the gateway, hosting and domain accounts in your name, and the code belongs to you. For build prices, see what a website or app actually costs in Malaysia. To talk through your donation setup, get in touch.

FAQs

What is the cheapest payment gateway for donations in Malaysia?

For FPX donations over about RM35, a flat-fee gateway is usually cheapest: toyyibPay charges RM1.00 and Billplz Basic RM1.25. For smaller gifts, Airwallex's percentage fee can cost less.

Does DuitNow QR cost donors anything?

No, it's free for the person paying. Your organisation may pay a merchant fee, set by your bank or payment provider.

Is FPX being replaced?

Maybank and CIMB say PayNet is moving FPX to DuitNow Online Banking/Wallets. PayNet hasn't announced a date for switching FPX off, so ask your gateway which service it uses.

Should a charity use Stripe?

It's a good choice for international card donations. For local donations through online banking, its 3% + RM1.00 fee costs far more than a flat FPX fee.

How much does iPay88 charge?

iPay88 doesn't publish its rates. Ask for its full fee schedule, including setup and annual fees, so you can compare it fairly.

Do we need an app to collect donations?

No. FPX and DuitNow QR both work on an ordinary website, and Apple only allows in-app donations for approved nonprofits that offer Apple Pay.

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