Malaysian Payment Gateways

Malaysian payment gateways enable direct bank transfers via FPX (Financial Process Exchange).

Available Gateways

Gateway	Features	Best For
Billplz	FPX, cards, e-wallets	Most popular
BayarCash	FPX, DuitNow	Simple setup
Chip	FPX, cards, installments	Feature-rich

FPX (Online Banking)

FPX allows customers to pay directly from their Malaysian bank accounts:

• Maybank
• CIMB
• Public Bank
• RHB
• And more…

Funds transfer instantly with confirmation.

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Billplz Setup

1. Create Account

1. Sign up at billplz.com
2. Complete business verification
3. Wait for approval (1-3 business days)

2. Get API Keys

1. Log in to Billplz Dashboard
2. Go to Settings > Keys
3. Copy:
   • API Secret Key
   • X-Signature Key
   • Collection ID

3. Configure in Pintas

1. Go to Settings > Payments
2. Enable Billplz
3. Enter:
   • API Secret Key
   • X-Signature Key
   • Collection ID
4. Save

4. Set Up Webhook

1. In Billplz Dashboard, go to Callbacks
2. Add webhook URL:

   https://your-domain.com/api/webhook/billplz

3. Save

Billplz Fees

• FPX: 1% (min RM1)
• Cards: 2.2%

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BayarCash Setup

1. Create Account

1. Sign up at bayarcash.com
2. Submit business documents
3. Wait for verification

2. Get Credentials

1. Log in to BayarCash Dashboard
2. Find your:
   • Portal Key
   • API Secret Token
   • Bearer Token

3. Configure in Pintas

1. Go to Settings > Payments
2. Enable BayarCash
3. Enter credentials
4. Save

4. Webhook Setup

Add webhook URL in BayarCash:

https://your-domain.com/api/webhook/bayarcash

BayarCash Fees

• FPX: From 0.8%
• Check current rates on their website

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Chip Setup

1. Create Account

1. Sign up at chip-in.asia
2. Complete KYC verification
3. Get approved

2. Get API Keys

1. Access Chip Dashboard
2. Go to API section
3. Copy:
   • Brand ID
   • API Key
   • Webhook Secret

3. Configure in Pintas

1. Go to Settings > Payments
2. Enable Chip
3. Enter:
   • Brand ID
   • API Key
   • Webhook Secret
4. Save

4. Webhook Setup

Configure webhook in Chip:

https://your-domain.com/api/webhook/chip

Chip Features

• FPX direct debit
• Credit/debit cards
• Installment payments
• Recurring billing

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Webhook Verification

All gateways use webhooks to notify payment status. Pintas verifies webhook signatures to ensure authenticity.

Troubleshooting Webhooks

Issue	Solution
Payment not updating	Check webhook URL is correct
Signature error	Verify secret keys match
Timeout	Check server is accessible

View webhook logs in gateway dashboard.

Comparing Gateways

Feature	Billplz	BayarCash	Chip
FPX	Yes	Yes	Yes
Cards	Yes	No	Yes
E-wallets	Yes	No	No
Installments	No	No	Yes
Setup time	1-3 days	1-2 days	2-5 days
Documentation	Good	Basic	Good

Choosing a Gateway

Choose Billplz if:

• You want the most popular option
• Need e-wallet support
• Good documentation matters

Choose BayarCash if:

• You want lowest fees
• Only need FPX
• Simple setup preferred

Choose Chip if:

• You need installment options
• Want recurring billing
• Need advanced features

Recommendation

Start with Billplz for the best balance of features, support, and reliability.