Paydibs vs Finexus: Unlock The Ultimate Payment Gateway

Whether you are a large-scale e-commerce business or running a local nasi lemak stall, picking a payment gateway isn’t just about taking money.

It’s also about seamless integration to your existing systems, security and overall cost-effectiveness.

Finexus and Paydibs are two major players here, each with distinct strengths and unique features. But which one genuinely delivers for your business?

This comparison will look through it all and we keep it updated to reflect any changes in the Malaysian payment market as of June 2025.

How Do Finexus and Paydibs Differ as Payment Gateways?

Finexus provides a comprehensive fintech ecosystem that includes payment gateway services and e-invoicing solutions. Whereas Paydibs focuses on delivering online and physical point-of-sale (POS) payment gateway solutions through various package types. Both are great, but let’s look into the details.

Finexus:

• Operates as a licensed digital money services provider under Bank Negara Malaysia (BNM).
• Best suited for businesses seeking extensive fintech solutions beyond just payment processing, such as e-invoicing.
• Its strength lies in regulatory compliance, robust data centres, and its MyXaaS platform, enabling clients to build customised digital payment products.

Paydibs:

• A Malaysian fintech company specialising specifically in payment gateway solutions.
• Offers a more adaptable suite of services, designed for businesses needing both e-commerce storefront support and physical retail presence.
• Also provides mobile-centric payment options through its dedicated app and Smart Terminals.

Both companies are regulated by Bank Negara Malaysia, providing a secure and trusted foundation for their operations within Malaysia.

What Are Finexus’s Services and Pricing as of 2025?

Finexus offers a diverse range of fintech services, including e-invoicing (AREMA) with tiered pricing, digital money solutions like prepaid cards (Kayaaku) with detailed fee structures, and merchant services with competitive, often waived, setup fees.

Finexus Key Services and Fees (as of June 2025):

Disclaimer: The information provided here is current as of June 2025 and is subjected to change. However, we strongly recommend visiting the official Finexus and Paydibs websites for the most up-to-date information. 

“Finexus’s waiver of certain setup fees for its payment gateway services can be highly appealing for new merchants.”

For instance, a software development firm needing to comply with upcoming LHDN e-invoicing mandates would find Finexus‘s dedicated AREMA solution an ideal fit. 

What Are Paydibs’ Service Packages and Associated Costs?

Paydibs excels at flexibility and versatility. They offer 3 fee packages, Online, Payment Terminal (Rent/Buy), and Mobile App. Each has their own fee structure and supported payment methods, specifically designed to cater to business models from online business to brick and mortar stores.

If you need a payment provider giving both physical and online payment services, Paydibs is a superb choice.

Paydibs’ Service Packages and Fees (as of June 2025):

*Signup fee is only FREE for local merchants only. Foreign merchants will have to pay a USD 120.00 signup fee. 

**The yearly maintenance fee for the Online package is waived with a minimum sales volume of RM360,000 in the previous year.

Paydibs’ Supported Payment Options by Package:

“The ability to choose between renting or buying a payment terminal from Paydibs offers greater financial flexibility for businesses scaling their physical presence.”

If you are a cafe owner operating a business in PJ. The “Terminal (Rent)” option from Paydibs, with its manageable monthly terminal fee and refundable deposit, allows them to get started without a large upfront capital expenditure on equipment. 

Meanwhile, an established e-commerce platform selling household items would likely choose for the “Online” package to benefit from its broad range of digital payment acceptance.

Which Payment Gateway Offers Better Fraud Prevention and Security?

Security is arguably the second most crucial aspect in payment processing (the first is payment methods). 

Security Aspects:

Finexus:

• PCI DSS Level 1 Certified: Ensures compliance with stringent security standards for handling credit card information, operating its own certified data centres.
• Regulatory Compliance: Being licensed by Bank Negara Malaysia for various digital money services implies robust oversight and adherence to high security benchmarks.
• 3D Secure Systems: Provides enhanced authentication for online card transactions, adding an extra layer of safety.
• Advanced Data Processing: Acts as a data processor for major payment card brands, indicating adherence to rigorous security protocols.

Paydibs:

• Bank Negara Malaysia Recognition: Operates under the Financial Services Act 2013 regulatory framework.
• Advanced Fraud Management: Utilises sophisticated technologies for detecting and preventing fraud.
• Security Features: Incorporates transaction monitoring, tokenisation, and encryption..
• MSC Status: Won the Excellent Payment Solutions Provider at The 6th Lang International Corporate Titan Award 2024

Read more: Paydibs vs Billplz: Which is better for Seamless Checkout?

What Kind of Business Support Can You Expect from Finexus and Paydibs?

Finexus provides dedicated, in-depth support tailored to its comprehensive financial services and enterprise clients, while Paydibs offers readily accessible, 24/7 assistance alongside robust integrations for everyday business needs.

Finexus:

• Support Focus: Finexus offers support primarily geared towards its extensive financial technology solutions, including regulatory reporting, and complex e-invoicing implementations. This means their support is often highly specialised and geared towards larger business operations.
  
• Integration Approach: While they facilitate payment gateway integration, more complex setups may involve direct consultation and custom development.

Paydibs:

• Support Focus: Paydibs provides highly accessible support designed for the needs of a broad range of businesses. Their 24/7 local hotline help desk is a great advantage, especially for businesses relying on physical terminals or quick issue resolution for online transactions.
  
• Integration Approach: Integration is designed to be straightforward and user-friendly. They offer ready-made plugins for popular e-commerce platforms like WooCommerce and EasyStore, alongside APIs and SDKs for developers who require more customised website integrations.

Matching the Right Payment Solution

The choice between Finexus and Paydibs really depends on your specific business model, its primary sales channels, and your particular payment needs.

Here’s how to assess which provider aligns best with your operations:

• For Businesses Needing Fintech Solutions: If your business demands more than just a payment gateway, perhaps requiring compliance with e-invoicing mandates, then Finexus is likely the more integrated and holistic partner.
  
• For E-commerce Focused Businesses: If your sales are mainly  online and you seek a straightforward, cost-effective payment gateway offering clear transaction fees and broad e-wallet support, Paydibs’ Online package is hard to beat.
  
• For Businesses with Physical Retail or Mobile Operations: If you operate a brick-and-mortar store, run a mobile business, or manage pop-up events, Paydibs offers an all-in-one solution with their Smart Terminals and mobile app options.
  
• Support and Technical Needs: Accessible 24/7 hotline support (Paydibs) is more valuable for SMEs and microbusinesses. Enterprise-level support provided by Finexus is great for companies or businesses with complex financial systems.

Who is The Best Malaysian Payment Solutions in 2025?

Choosing between Finexus and Paydibs requires a clear understanding of your business’s unique needs and future aspirations. Both providers offer secure, regulated services important for today’s Malaysian market.

But there’s more to payment gateways than just these two, read our Top 10 Payment Gateways in Malaysia 2025 for an excellent overview of the industry’s best payment solutions available in Malaysia, all condense neatly for your information.