Fastest settlement payment gateways in Malaysia

Settlement is when the money actually reaches your bank account, and it moves your cash flow more than a few basis points of fees ever will. Providers below are ranked by their officially stated settlement time, using the slowest leg they promise (a "T+1 to T+2" provider ranks as T+2, never flattered).

As of 2026-07-17, the fastest officially stated settlement among Malaysian payment providers is Touch 'n Go eWallet (TNG Digital) at T+1.

Ranked by stated settlement (slowest leg)

1.Touch 'n Go eWallet (TNG Digital)T+1
Next business day
2.CIMB e-CommerceNext business day
Next business day
3.Maybank2u PayNext business day
Next business day
4.HerepayT+1 (next business day)
Next business day · est. fee ~RM1.07 / RM100
5.ManagePay (MPay)T+1
Next business day
6.PayrightT+1
Next business day · est. fee ~RM1.56 / RM100
7.AffanPayT+1
Next business day · est. fee ~RM1.32 / RM100
8.LeanXT+1
Next business day · est. fee ~RM1.56 / RM100
9.KineticPayT+1 (next working day)
Next business day
10.SMAP PayT+1 (incl weekends, before 10:30am)
Next business day
11.SecurePayT+1
Next business day
12.BillplzT+1 (T+2 cards)
Up to 2 business days · est. fee ~RM1.47 / RM100
13.CHIPT+1–T+2
Up to 2 business days · est. fee ~RM1.38 / RM100
14.Curlec (by Razorpay)T+2
Up to 2 business days · est. fee ~RM1.77 / RM100
15.BoostT+2 (QR T+1)
Up to 2 business days · est. fee ~RM1.35 / RM100
16.Revenue MonsterT+2
Up to 2 business days
17.BayarcashT+2 (T+1 for some banks)
Up to 2 business days · est. fee ~RM1.38 / RM100
18.Ampersand PayT+1 or T+2
Up to 2 business days
19.GkashT+2
Up to 2 business days · est. fee ~RM1.24 / RM100
20.BetterPayT+1 (FPX) / T+2; instant on Pro
Up to 2 business days · est. fee ~RM1.37 / RM100
21.CommercePayT+1 to T+2 (1-2 business days)
Up to 2 business days
22.M1PayT+1 (FPX) / T+2 (cards, e-wallets)
Up to 2 business days · est. fee ~RM1.16 / RM100
23.HitPayT+2 (T+3 cards)
Up to 3 business days · est. fee ~RM2.17 / RM100
24.BizappayT+1 (FPX); T+3 (card/e-wallet/BNPL)
Up to 3 business days · est. fee ~RM1.32 / RM100
25.toyyibPay1-4 business days (FPX)
Up to 4 business days · est. fee ~RM1.19 / RM100
26.AntomT+4 (negotiable)
Up to 4 business days
27.SwiFT+4
Up to 4 business days · est. fee ~RM2.20 / RM100
28.PayLater by GrabWithin 5 working days
Up to 5 business days
29.Fiuu (formerly Razer Merchant Services)Weekly (Thu); e-wallets T+2
Up to 7 business days · est. fee ~RM2.20 / RM100
30.eGHLWeekly (W+4 business days)
Up to 7 business days
31.Stripe MalaysiaT+7
Up to 7 business days · est. fee ~RM3.80 / RM100
32.LekirPayT+0 (FPX same-day; cards bi-weekly)
Up to 7 business days · est. fee ~RM1.51 / RM100

Settlement not stated publicly

These providers publish no official settlement time (or only a third-party figure), so we will not rank them on it. Listed by market presence; ask when you request a quote.

What does T+1 mean?Compare side by side Browse all providers

More guides

Best payment gateways in Malaysia Cheapest payment gateways in Malaysia Payment gateways with FPX Payment gateways for credit and debit cards Payment gateways with e-wallet support Payment gateways with DuitNow QR Payment gateways for recurring billing No-code payment gateways (payment links)Payment gateways with a developer API Payment gateways for small online stores Buy now, pay later (BNPL) providers in Malaysia Payment gateways with e-commerce plugins Payment gateways for physical stores and restaurants Payment gateways for digital products and services Payment gateways for SaaS and subscriptions