Best Shopify Payment Gateway Malaysia Options for 2025

Introduction

Malaysian merchants face a unique challenge because Shopify Payments is not currently available in the country. This means you must select a third-party gateway to process transactions and accept Ringgit (MYR). Choosing the right provider is a critical decision that affects your conversion rate, transaction costs, and cash flow.

Malaysian shoppers have specific preferences, often favoring local bank transfers via FPX or e-wallets over traditional credit cards. If your checkout does not offer these familiar options, abandonment rates will increase. HidePay on the Shopify App Store allows you to manage these third-party gateways effectively by hiding, sorting, or renaming them based on specific customer conditions.

This article outlines the best payment gateway options for Malaysian Shopify stores and explains how to optimize your checkout for maximum performance. You will learn how to balance transaction fees with local payment support to build a high-converting store.

The Reality of Shopify Payments in Malaysia

As of 2025, Shopify Payments has not launched in Malaysia. For store owners, this has two immediate consequences. First, you must integrate a third-party provider to accept any form of online payment. Second, Shopify applies an additional transaction fee on every sale made through these third-party gateways.

This "third-party transaction fee" depends on your Shopify plan. It usually ranges from 2% on the Basic plan down to 0.2% for Shopify Plus merchants. This fee is separate from the processing fee charged by the gateway itself. When calculating your margins, you must combine these two costs.

Because you cannot use a native Shopify processor, the choice of gateway becomes the foundation of your checkout experience. A gateway that redirects customers to an external site can cause friction. Conversely, a gateway with a direct integration keeps customers on your store, which typically leads to higher trust and better conversion rates.

Essential Local Payment Methods for Malaysia

To succeed in the Malaysian market, your gateway must support the national payment rails that customers use daily. Credit and debit cards are common, but they are not the only way Malaysians pay online.

FPX (Financial Process Exchange)

FPX is the national online banking network in Malaysia. It allows customers to pay directly from their bank accounts at major institutions like Maybank, CIMB, and Public Bank. For many local shoppers, FPX is the most trusted method for e-commerce. Most Malaysian merchants consider FPX support non-negotiable.

DuitNow and DuitNow QR

DuitNow is a real-time payment system that allows for instant transfers. DuitNow QR is the standardized QR code used across banks and e-wallets in Malaysia. As mobile commerce grows, offering DuitNow at checkout reduces the effort required for a customer to complete a purchase.

Local E-wallets

Malaysia has a high adoption rate for e-wallets. The most popular options include:

• Touch 'n Go eWallet: Often considered the market leader due to its integration with transit and tolls.
• GrabPay: Part of the Grab ecosystem, popular for its rewards and ease of use.
• Boost: A homegrown wallet with a strong loyal user base.
• ShopeePay: Frequently used by customers who also shop on the Shopee marketplace.

Top Shopify Payment Gateway Options in Malaysia

We have analyzed the leading providers available to Malaysian merchants. Each has different strengths depending on your sales volume and whether you sell internationally.

1. Airwallex

Airwallex is an excellent choice for merchants who sell both locally and internationally. It supports FPX and DuitNow for the Malaysian market while providing access to over 160 international payment methods.

A major benefit of this provider is the ability to settle in multiple currencies. If you sell in USD, you can keep the funds in USD without a forced conversion to MYR. This helps you avoid foreign exchange fees when paying international suppliers.

2. HitPay

HitPay is a popular choice for small to medium businesses because it has no monthly subscription or setup fees. You only pay per transaction. It offers a very broad range of Malaysian payment methods, including FPX, DuitNow QR, and all major e-wallets like GrabPay and Touch 'n Go.

We often recommend HitPay for merchants who want a fast, "pay-as-you-grow" model. Their Shopify integration is straightforward and covers Buy Now, Pay Later (BNPL) options like Atome and Grab PayLater.

3. Razorpay Curlec

Curlec, owned by Razorpay, has built a strong reputation in Malaysia for its seamless recurring payment support and direct bank integrations. It is highly optimized for the local market and provides a clean checkout experience.

It supports the full suite of local methods and is known for its robust merchant dashboard. This makes it easier to handle reconciliations and refunds directly within one interface.

4. Billplz

Billplz is often the preferred choice for merchants who prioritize low transaction fees for FPX. It is a homegrown Malaysian gateway that focused initially on bank transfers. While it may not have the same "glossy" international features as Stripe or Airwallex, it is highly efficient and cost-effective for local bank-heavy businesses.

5. Stripe

Stripe is a global leader and is natively supported by Shopify. It offers one of the best credit card processing experiences available. However, Stripe’s support for Malaysian-specific methods like FPX has historically been more limited compared to local providers.

Many merchants use Stripe as a secondary gateway specifically for international credit card customers, while using a local gateway for Malaysian buyers.

6. iPay88 (ADAPTIS)

As one of the oldest and most established gateways in Malaysia, iPay88 (now part of ADAPTIS) is used by many enterprise-level businesses. It offers comprehensive bank coverage and e-wallet support. The onboarding process is more formal and can take longer than newer, self-serve platforms, but it provides bank-grade reliability.

Strategic Checkout Management

Integrating a gateway is only the first step. To truly optimize your checkout, you need to control how and when these payment methods appear. Having too many options can overwhelm customers, a phenomenon known as "choice paralysis."

Our app, HidePay — free to install, gives you the tools to manage these gateways using native Shopify Functions. This means the rules run directly within the Shopify infrastructure without the need for slow external scripts. For step-by-step setup, see the guide on how to create a payment customization.

Sorting for Conversion

You should always place the most popular payment methods at the top of the list. For a Malaysian store, this might mean sorting FPX or Touch 'n Go eWallet to the first position. By guiding the customer toward the path of least resistance, you reduce the time it takes to complete the order. See the help article on sort and rename payment methods for details.

Hiding Based on Geography

If you sell globally, showing Malaysian-specific e-wallets to a customer in the United Kingdom is unnecessary. It creates clutter and confusion. HidePay lets you create rules that hide local Malaysian gateways when the shipping address is outside of Malaysia. For examples and troubleshooting when a method doesn't appear, consult How to Retrieve the Correct Payment Method in HidePay.

Renaming for Clarity

Sometimes, the default name provided by a gateway is not clear to the customer. Instead of a generic "Credit Card / Debit Card (via Gateway Name)," you can use HidePay to rename the option to something more familiar, like "Secure Credit Card & Local Bank Transfer." This small change can significantly increase customer trust. See the video guide: Hide, Sort or Rename Payment Methods.

Protecting Your Margins

Some payment methods carry higher fees or higher risks of chargebacks. If you are running a promotion on a low-margin product, you might want to hide payment methods that charge the highest processing fees. You can set rules to hide specific gateways based on the products in the cart or the total cart value.

Implementation Steps for Malaysian Merchants

If you are setting up your store for the first time or looking to switch gateways, follow this logical path:

1. Register your business (SSM): Almost all Malaysian gateways require official business registration documents to move beyond a test account.
2. Compare the total fee structure: Calculate the gateway's processing fee plus the Shopify third-party transaction fee for your specific plan.
3. Evaluate settlement times: Check how long it takes for the gateway to move money into your bank account (e.g., T+2 or T+7 days).
4. Install the gateway's Shopify App: Use the official app from the Shopify App Store for the most stable integration.
5. Use HidePay to organize the checkout: Once your gateways are active, use our app to sort the most trusted methods to the top and hide irrelevant options for international orders. If you need an installation walkthrough, see the install HidePay Shopify app guide.
6. Perform a real test transaction: Always complete a small purchase using a real bank account or card to ensure the "Success" webhook correctly updates the order status in your Shopify admin.

Optimizing for Mobile Shoppers

In Malaysia, a vast majority of e-commerce traffic comes from mobile devices. This makes the "Scan to Pay" and e-wallet integrations vital. When a customer selects a gateway like HitPay or Curlec on their phone, the transition to their banking app or e-wallet should be as fast as possible.

Avoid gateways that require extensive manual data entry on mobile. Instead, prioritize those that support DuitNow QR or direct deep-linking into apps like Grab or Touch 'n Go. The fewer taps a customer has to make, the higher your conversion rate will be.

Handling Multi-Currency and International Sales

Because you are using a third-party gateway, multi-currency selling can be complex. Shopify typically requires Shopify Payments to allow customers to pay in their local currency. Since that is not an option in Malaysia, most Malaysian stores will process the final transaction in MYR, even if the storefront shows an estimated price in USD or SGD.

If international sales are a major part of your business, choose a gateway like Airwallex or Stripe. They handle the "behind-the-scenes" conversion more effectively and provide better rates for non-MYR transactions. You can then use rules to ensure that international customers only see card-based options, while Malaysian customers see the full suite of local bank and wallet choices.

For broader guidance on combining payment and shipping controls to reduce friction and costs, read our article introducing HideSuite: the bundle for smart Shopify merchants, which explains how payment and shipping rules work together to improve checkout performance.

Conclusion

Selecting the right payment gateway for your Shopify store in Malaysia is a balancing act between local trust and operational costs. While you cannot use Shopify Payments, providers like HitPay, Airwallex, and Curlec offer excellent alternatives that cater to the unique preferences of Malaysian shoppers.

Once your gateways are integrated, the next step is to ensure your checkout is not cluttered. By using get HidePay for your store, you can create a customized checkout experience that sorts the best methods to the top and hides options that don't make sense for certain orders. This level of control protects your margins and provides a professional experience for your customers.

To start optimizing your checkout today:

• Identify which local payment methods your customers use most.
• Select a gateway that supports those methods with competitive fees.
• Install HidePay from the Shopify App Store to manage and sort your new payment options.
• Learn more about HidePay features and tutorials on the HidePay Help Docs index and the HidePay product site.

FAQ

Does Shopify Payments work for merchants in Malaysia?

No, Shopify Payments is not currently available for stores based in Malaysia. Merchants must use a third-party gateway such as HitPay, Airwallex, or Curlec and pay the associated third-party transaction fees to Shopify.

How do I accept FPX payments on my Shopify store?

To accept FPX, you must integrate a local payment gateway that supports the Malaysian banking network. Popular options include HitPay, Billplz, and Razorpay Curlec. Once the gateway is connected via its Shopify app, FPX will appear as an option at checkout.

Which Malaysian payment gateway has the lowest fees?

Fees vary based on the payment method (e.g., FPX usually costs less than credit cards). Billplz is known for very competitive flat rates on FPX transactions, while HitPay is popular for having no monthly subscription fees, making it cost-effective for smaller stores.

Can I hide certain payment methods for international customers?

Yes, you can use HidePay to create rules that hide specific gateways based on the customer's shipping country. This allows you to show local Malaysian methods like e-wallets only to residents of Malaysia, keeping your checkout clean for global shoppers. For practical setup steps, see the guide on how to create a payment customization.