{"id":3013,"date":"2025-05-24T10:58:25","date_gmt":"2025-05-24T02:58:25","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3013"},"modified":"2025-05-24T10:58:25","modified_gmt":"2025-05-24T02:58:25","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/","title":{"rendered":"Which is the lowest fee to pay in Malaysia?"},"content":{"rendered":"<h1>Which is the Lowest Payment Fee in Malaysia? Comprehensive Comparison &amp; Money Saving Tips<\/h1>\n<p>Payment fees are a major concern for many consumers and merchants when it comes to making payments in Malaysia. In this article, we will analyse the fees of the major payment methods in Malaysia to help you find the most suitable and lowest cost payment solution for you.<\/p>\n<h2>I. Comparison of fees for bank transfer-type payment methods<\/h2>\n<h3>1. DuitNow instant transfers<\/h3>\n<p>DuitNow is a real-time money transfer system launched by Bank Negara Malaysia, which has become one of the most popular ways to transfer money electronically locally.<\/p>\n<ul>\n<li><strong>individual user<\/strong>: Completely free of charge (peer-to-peer or cross-border)<\/li>\n<li><strong>commercial account<\/strong>: Usually charged RM0.10-0.50\/stroke<\/li>\n<li><strong>cutting edge<\/strong>: Real-time payment, coverage of all major banks, no limit of amount<\/li>\n<\/ul>\n<h3>2. IBG (Interbank GIRO) ordinary interbank transfers<\/h3>\n<p>IBG is the traditional method of interbank transfers with longer processing times than DuitNow.<\/p>\n<ul>\n<li><strong>handling fee<\/strong>:: Generally RM0.11\/transaction (some banks are free for small transactions)<\/li>\n<li><strong>processing time<\/strong>: Same day or next day on business days<\/li>\n<li><strong>Applicable Scenarios<\/strong>: Large transfers that are not urgently needed<\/li>\n<\/ul>\n<h3>3. FPX (Financial Process Exchange) online payments<\/h3>\n<p>FPX allows users to make online payments directly from their bank account without the need for a credit card.<\/p>\n<ul>\n<li><strong>consumer side<\/strong>: Usually free of charge<\/li>\n<li><strong>merchant side fee<\/strong>::\n<ul>\n<li>Individual Seller\/Micro Business: ~1% (Minimum RM0.5)<\/li>\n<li>Large Enterprises: Negotiable to less than 0.5%<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><em>Table 1: Comparison of Fees for Major Interbank Transfers in Malaysia<\/em><\/p>\n<table>\n<thead>\n<tr>\n<th>Type of transfer<\/th>\n<th>Individual user fees<\/th>\n<th>Business user fees<\/th>\n<th>credit time<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>DuitNow<\/td>\n<td>freeware<\/td>\n<td>RM0.1-RM0.5\/pen<\/td>\n<td>imminent<\/td>\n<\/tr>\n<tr>\n<td>IBG<\/td>\n<td>RM0-RM0.11<\/td>\n<td>RM0-RM2<\/td>\n<td>T+1 working day<\/td>\n<\/tr>\n<tr>\n<td>FPX<\/td>\n<td>Mostly free<\/td>\n<td>~1%<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Second, the electronic purse class application fee analysis<\/h2>\n<h3>GrabPay wallet usage costs in detail:<\/h3>\n<p>As the leading super app-embedded wallet in Southeast Asia:<\/p>\n<h2>II. Analysis of handling fees for e-wallet-type applications (continued)<\/h2>\n<h3>1. GrabPay wallet usage costs in detail<\/h3>\n<p>As the leading super app-embedded wallet in Southeast Asia, GrabPay has a wide user base in Malaysia:<\/p>\n<ul>\n<li>\n<p><strong>top-up fee<\/strong>::<\/p>\n<ul>\n<li>Bank account top-up: free of charge<\/li>\n<li>Credit card top-up: 1% handling fee charged (waived for some promotional periods)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>transfer fee<\/strong>::<\/p>\n<ul>\n<li>Grab inter-user transfers: completely free of charge<\/li>\n<li>DuitNow transfer to other bank accounts: RM0.50\/transaction<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>merchant payment<\/strong>::<br \/>\nNo additional fees on the consumer side, merchants bear approximately 1.5%-2% in transaction fees<\/p>\n<\/li>\n<\/ul>\n<h3>2. Touch 'n Go eWallet fee structure<\/h3>\n<p>An e-wallet derived from Malaysia's most popular transport card:<\/p>\n<ul>\n<li>\n<p><strong>Recharge Channel Rate Differences<\/strong>::<br \/>\nDebit Card\/Online Banking: Free |<br \/>\nCredit Card: 1% Handling Fee |<br \/>\nCash recharge points (7-Eleven, etc.): RM0.50-RM1 per visit<\/p>\n<\/li>\n<li>\n<p><strong>Feature Charge<\/strong>::<br \/>\nQR Code Payment (PayDirect): No Handling Fee |<br \/>\nCross border remittance to Indonesia\/Thailand: Fixed RM10 + 0.5%<\/p>\n<\/li>\n<\/ul>\n<p><em>Table 2:Comprehensive cost comparison of mainstream e-wallets<\/em><\/p>\n<table>\n<thead>\n<tr>\n<th>Functionality\\Platform<\/th>\n<th>GrabPay<\/th>\n<th>TnG eWallet<\/th>\n<th>Boost<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>peer-to-peer transfer<\/td>\n<td>\u2713 Free<\/td>\n<td>\u2717 From RM0.50<\/td>\n<td>\u2713 Free<\/td>\n<\/tr>\n<tr>\n<td>Cross-platform transfer out<\/td>\n<td>RM0.50\/DuitNow Transfer<\/td>\n<td>RM0.30-RM3 (by amount) \u4e28Required to upgrade to Premium Account to support<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>The most important thing is that you should be able to get the most out of your time and money, and you should be able to get the most out of your time and money.<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>III. Demystifying Credit and Debit Card Transaction Costs<\/p>\n<p>Visa\/Mastercard channel rate base.<br \/>\nAccording to BNM's latest Payment Systems Bill.<\/p>\n<pre><code class=\"language-mermaid\">pie title card transaction rate allocation ratio (%)<br>\r\n\"Card issuer revenue\":55   <br>\r\n\"Acquirers\": 25    <br>\r\n\"International card organisations (V\/M)\": 15  <br>\r\n\"Gateway service providers\":5     <br>\r\n<\/code><\/pre>\n<p>The main charges faced by actual end-users include.<\/p>\n<p>Annual Fee Policy Comparison.<br \/>\n-Maybank Islamic PETRONAS Visa: Lifetime Annual Fee Waiver<br \/>\n-Public Bank Quantum Mastercard: Spend up to the mark waiver<br \/>\n-CIMB Cash Rebate Platinum: Unconditional reduction for the first two years.<\/p>\n<p>Foreign exchange conversion surcharge.<br \/>\nThe universal standard is 1% of the transaction amount, but some high-end cards such as the HSBC Amanah MPower Visa Signature can be reduced to zero.<\/p>\n<p>IV. Hidden costs of emerging payment methods<\/p>\n<p>True rate calculation for Buy Now Pay Later service.<\/p>\n<p>Comparative economics of staging programmes using Atome and Splitit as examples.<\/p>\n<pre><code>Assuming that the purchase of RM1200 is to be paid in 3 instalments.<br>\r\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510      <br>\r\n\u2502Platform \u2502Total Capital Cost \u2502       <br>\r\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524        <br>\r\n\u2502Atome \u2502RM400+Zero Interest per instalment (But Late Penalty 8%\/month)\u2502        <br>\r\n\u2502Splitit \u2502Bundled credit card still generates revolving interest of about 15%\/year \u2502         <br>\r\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2534\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518      <br>\r\n<\/code><\/pre>\n<blockquote>\n<p>Expert tip: \"BNPL products with ostensibly zero interest rates are usually realised through merchant subsidies, which can push up commodity pricing in the long run\"<\/p>\n<\/blockquote>\n<p>V. Fee-saving techniques for cross-border payments<\/p>\n<p>The optimal choice is illustrated by the Wise vs traditional bank wire transfer case study:<\/p>\n<pre><code class=\"language-python\"># Modelling the cost of calculating a remittance of RMB 20,000 to China <br>\r\ndef cost_calculation(amount).<br>\r\n    bank_fee = max(20, amount*0.001)+150 # correspondent bank transit fee <br>\r\n    wise_fee = (amount*100)*0.0075 +9 # at mid-exchange rate<br>\r\n    <br>\r\nprint(f \"total cost of commercial banks: {bank_fee}\") # output results in \u2248 RM170    <br>\r\nprint(f \"Wise total cost:{wise_fee}\") # output result \u2248 RM84   <br>\r\n<\/code><\/pre>\n<p>Practical verification shows that professional cross-border payment platforms can save at least 40%-60% fees. It is recommended to give priority to Alipay+ and other aggregation solutions for small and high-frequency transactions.<\/p>","protected":false},"excerpt":{"rendered":"<p>Which is the Lowest Payment Processing Fee in Malaysia? Comprehensive Comparison and Money Saving Tips Entering Malaysia...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-3013","post","type-post","status-publish","format-standard","hentry","category-30"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u54ea\u79cd\u624b\u7eed\u8d39\u6700\u4f4e\uff1f - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u54ea\u79cd\u624b\u7eed\u8d39\u6700\u4f4e\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u54ea\u79cd\u624b\u7eed\u8d39\u6700\u4f4e\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u54ea\u79cd\u624b\u7eed\u8d39\u6700\u4f4e\uff1f\u5168\u9762\u6bd4\u8f83\u4e0e\u7701\u94b1\u653b\u7565 \u5728\u9a6c\u6765\u897f\u4e9a\u8fdb&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u54ea\u79cd\u624b\u7eed\u8d39\u6700\u4f4e\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-24T02:58:25+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u54ea\u79cd\u624b\u7eed\u8d39\u6700\u4f4e\uff1f\",\"datePublished\":\"2025-05-24T02:58:25+00:00\",\"dateModified\":\"2025-05-24T02:58:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/\"},\"wordCount\":82,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/\",\"name\":\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u54ea\u79cd\u624b\u7eed\u8d39\u6700\u4f4e\uff1f - 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