Payment gateways for SaaS and subscriptions
SaaS needs card-on-file recurring charging plus a real API for provisioning and dunning. Every provider below supports both. Compare each one's webhook support on its detail page, and weigh settlement speed: subscription cash flow compounds the difference.
As of 2026-07-17, Herepay is the cheapest SaaS payment gateway with officially published rates, at about RM1.07 per RM100 transaction.
Ranked by estimated cost (published rates)
Community and business collections with flat RM0.70 FPX · FPX RM0.70 · Card RM0.70 + 1%
Recurring billing · Developer API
Soft Space gateway for cards, e-wallets and DuitNow QR · Card From 1.2% · E-wallet From 1% · DuitNow QR From 1%
Recurring billing · Developer API
Low-rate Malaysian gateway by Cardbiz Group · FPX RM1.00 (B2C) · Card 1% – 2% · E-wallet 1.2%
Recurring billing · Developer API
BNM-licensed open payment platform for SMEs · FPX From 1.00% · Card From 1.80% (min RM0.60) · E-wallet From 1.00%
Recurring billing · Developer API
No-fuss Malaysian gateway with payment links · FPX RM1.00 · Card 1.75% (local debit/credit) · E-wallet 1.5%
Recurring billing · Developer API
Axiata fintech gateway with fully published online rates · FPX RM1.00 · Card 2.00% · E-wallet 1.2% - 1.3%
Recurring billing · Developer API
Instant-settlement Malaysian gateway with 150+ payment channels · FPX RM1.00 · Card 1.9% · E-wallet 1.5%
Recurring billing · Developer API
Realtime-settlement FPX, QR & direct debit gateway · FPX RM1.00 · Card RM1.00 + 1% · DuitNow QR 1.6% / RM0.15
Recurring billing · Developer API
FAQ
What is the cheapest SaaS payment gateway?
As of 2026-07-17, Herepay has the lowest estimated blended cost at about RM1.07 per RM100 transaction, among providers with officially published rates. Quote-based providers may negotiate lower, but publish no comparable rates.
What are my options for a SaaS payment gateway?
41 of the 74 Malaysian providers in this directory match this need. 8 of the top matches publish comparable official rates; the rest quote on request.
Are these fees official?
Fees without a marker come from the provider's official pricing page (see the source and verified date on each detail page). Values with a trailing * are third-party or indicative and are excluded from the ranking. Where nothing is published we say "Contact sales" instead of inventing a number.