toyyibPay alternatives in Malaysia
Every provider below covers the same core payment channels as toyyibPay and is ranked by the same estimated blended cost used across this site: officially published rates applied to a RM100 transaction. Quote-based providers follow, by market presence.
As of 2026-07-17, the cheapest toyyibPay alternative with officially published rates is M1Pay, at about RM1.16 per RM100 transaction (vs about RM1.19 on toyyibPay).
Ranked by estimated cost (published rates)
Malaysian payment gateway by MobilityOne: FPX, cards, e-wallets, DuitNow QR · FPX RM0.80 · Card 1.8% · E-wallet 1% - 1.2%
BNM-licensed open payment platform for SMEs · FPX From 1.00% · Card From 1.80% (min RM0.60) · E-wallet From 1.00%
Malaysian payment gateway with e-wallet and POS · FPX RM1.00 (B2C), RM1.50 (B2B) · Card 1.5% credit / 1.0% debit (local) · E-wallet 1.5%–1.8%
Full-channel gateway with T+1 settlement and fast setup · FPX RM1.00 · Card 1.75% · E-wallet 1.5%
No-fuss Malaysian gateway with payment links · FPX RM1.00 · Card 1.75% (local debit/credit) · E-wallet 1.5%
Axiata fintech gateway with fully published online rates · FPX RM1.00 · Card 2.00% · E-wallet 1.2% - 1.3%
Instant-settlement Malaysian gateway with 150+ payment channels · FPX RM1.00 · Card 1.9% · E-wallet 1.5%
Realtime-settlement FPX, QR & direct debit gateway · FPX RM1.00 · Card RM1.00 + 1% · DuitNow QR 1.6% / RM0.15
FAQ
What is the cheapest alternative to toyyibPay?
As of 2026-07-17, M1Pay is the cheapest alternative with officially published rates, at about RM1.16 per RM100 transaction covering the same core channels.
Why look beyond toyyibPay?
Fees, settlement speed and supported e-wallets differ by provider, and a published headline rate is not always the lowest blended cost for your mix of channels. Comparing on the same RM100 basket shows what each provider really costs.
Are these fees official?
Yes. Only rates published on each provider's own site are ranked; third-party figures are marked and excluded, and unpublished pricing shows as Contact sales. Every detail page carries the source and verified date.