What is MDR (Merchant Discount Rate)?
Merchant Discount Rate: the percentage a gateway keeps per successful transaction. The headline 'fee' in the comparison table.
If your MDR for cards is 1.5% and a customer pays RM100, the gateway settles RM98.50 to you. The MDR bundles the acquirer's margin, card network fees and processing costs into one number, which is why it differs by payment channel.
Compare MDRs on the same channel and the same transaction size, and watch for flat add-ons per transaction: a low percentage plus a fixed fee can cost more on small baskets than a higher plain percentage. That is exactly what this site's estimated cost per RM100 normalises.