How to use Malaysia payment gateway such as iPay88 / eGHL?

Guide to using iPay88 / eGHL and other payment gateways in Malaysia

Basic Processes

  1. Register for a merchant account

  2. Integrated payment gateway

    • API Integration: Developers can use the provided API documentation to interface with the system.
    • CMS plug-ins: WordPress, Magento, Shopify and other platforms have ready-made plug-ins available
    • SDK Download: For Mobile Application Development

  3. Supported payment methods

    Credit/Debit Card (Visa/Mastercard)
    
Internet Banking (FPX)
    
eWallet (GrabPay, Boost, Touch 'n Go eWallet)
    
Convenience store cash payment (7-11, KK Mart, etc.)
    
Bank Transfer

  4. Cost structure

service iPay88 Rates eGHL Rates
FPX Trading ~1%+RM0.50 ~1%+RM0.50
Credit cards (MYR) ~3%+RM0.50 ~2-3%
GrabPay/TNG eWallet ~2-3% range

  1. settlement cycle
  • T+2 to T+7 working days (depending on banks)
  • RM100 Minimum Withdrawal Limit (Selected Programmes)

6.Frequently Asked Questions

Q: What about the "Payment Failed" error?

A. 

1️⃣Check that your bank card balance is adequate  

2️⃣Confirm that the information entered is correct  

3️⃣Contact your card issuer to confirm if there is a transaction limit  



Q: FPX payment not showing success instantly?

A: FPX sometimes takes 10 minutes to synchronise, please don't duplicate payment  



Q:How can I check the transaction status?  

A.

Log in to the merchant's back office → select "Transaction Report" → enter the reference number to enquire.

It is recommended to check your gateway provider's update notifications regularly as Bank Negara Malaysia's regulatory requirements may affect certain features.

An in-depth advanced guide to using iPay88/eGHL payment gateway

Security and Compliance Setup

  1. PCI DSS Compliance Configuration

    • Enabling Tokenisation as an alternative to storing card numbers
    • Configure 3D Secure to force authentication (all credit card transactions)
    • IP whitelist setting (only allow server IP to access API)

  2. Fraud prevention tools

    Risk scoring system: can be set to automatically reject high risk score transactions
    
AVS Check: Address Verification System (for international cards)
    
Transaction Limit: Setting of single/daily cumulative limit by card type/channel
    
Blacklist management: blocking specific IP or bank card numbers

  3. Multi-currency processing(applicable to cross-border operations)

  • MYR/RMB/SGD and other multi-currency settlement support
  • DCC Dynamic Currency Conversion Option Configuration
  • SWIFT Intermediary Fee Estimation Tool

Advanced Reporting Features

Dimension of analysis iPay88 eGHL
Real-time transaction monitoring ✔️ dashboard ✔️+Warning Notices
Refund tracking CSV Export API automation
Customer Payment Preference Analysis Basic report Heatmap Charts
Reconciliation file format Excel,PDF,XML CSV,JSON

O2O solutions (offline to online)

1.Scan to Pay Integration::

// eGHL QR Code Generation Sample Code 

generateQR({

 amount: "150.00",

 orderId: "M20231125-001",

 callback: function(qrImage){

 document.getElementById('qr-container').innerHTML = qrImage;

 }

});

2.Convenience Store Cash Payment Process::
Customer selects → Generate payment code → Print/Send to mobile phone → Present at 7-Eleven counter → Shop assistant scans code to confirm → System asynchronous notification

3.Management of periodic payments::

  • Recurring Payment Settings for SaaS Subscription Services
  • Save customer payment authorisation (Save Card function)
  • Automatic reminder to renew Token before it expires

API Error Code Quick Reference

Common Status Code Handling Suggestions:

5001 → FPX timeout on the bank side → we recommend the customer to retry after 15 minutes
6009 → TNG e-wallet balance is insufficient → guidance to switch to another method
8103 → Risk Engine Blocking → Contact Risk Control for Manual Review

It is important to note that the latest BNM regulations require all gateways to keep a full Merchant Initiated Transaction (MIT) log.