Paydibs or Omise? Choose Wisely! Your Business Depends On It

Choosing the right payment gateway for your business in Malaysia is a pivotal decision, shaping everything from customer conversion rates to operational efficiency. 

This handy guide will go through two leading contenders in the payment gateway Malaysia market: Omise and Paydibs, helping you to make an informed choice that truly supports your business goals.

Make no mistake, deciding between Paydibs and Omise can seriously impact your business’s financial flow and customer experience! 

How Do Paydibs and Omise Differ as Payment Gateways?

Omise focuses on robust online payment processing with a strong developer emphasis, while Paydibs offers a broader suite of solutions covering both online and physical point-of-sale (POS) needs through terminals and mobile apps. 

Paydibs:

• A Malaysian fintech company.
• Provides a more versatile offering, catering to businesses needing solutions for both e-commerce storefronts and physical retail locations.
• Also offers mobile-centric payment options.

Omise:

• Operates under its original brand name after previously being OpnPayments.
• A go-to for online businesses seeking reliable, developer-friendly payment infrastructure.
• Strength lies in facilitating seamless online transactions with comprehensive fraud prevention.

Both are regulated by Bank Negara Malaysia, providing a secure foundation for operations.

What Are Paydibs’ Service Package Costs?

Paydibs offers distinct packages, Online, Terminal (Rent/Buy), and Mobile App, each with its own fee structure and supported payment methods, catering to various business models from e-commerce to physical retail stores.

Paydibs’ flexibility in offering different package types means that a brick-and-mortar store needing a smart payment terminal has different considerations than just an online transaction.

Paydibs’ Service Packages and Fees

• *Signup fee is FREE for local merchants only. Foreign merchants incur a USD 120.00 signup fee.
• ***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

Disclaimer: The information provided here is current as of 2025; however, payment gateway pricing and features can evolve. We strongly recommend visiting the official Omise and Paydibs websites for the most up-to-date and comprehensive details before making your final decision.

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

Imagine a new café opening in KL. The “Terminal (Rent)” option from Paydibs, with a monthly terminal fee and refundable deposit, allows them to get started without a large upfront capital expenditure for equipment. 

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

What Are Omise’s Core Services and Pricing as of 2025?

Omise provides secure online payment processing for credit/debit cards, local e-wallets, and Buy Now Pay Later (BNPL) options, with varying transaction fees and clear transfer costs.

Omise’s payment infrastructure is designed to handle a high volume of online transactions, making it a strong contender for e-commerce businesses.

Their fraud prevention mechanisms are built into their system, providing an added layer of security without requiring extensive setup from the merchant.

Read more: SenangPay or Paydibs? Who Really Matters for SMEs

Omise Payment Solutions and Fees

Note: An additional fixed fee of +0.5 MYR applies to transactions below RM 40.00 for Credit/Debit card.

“Many businesses find the transparent, tiered pricing for Omise’s card and e-wallet transactions straightforward for budgeting.”

Which Payment Gateway Offers Better Fraud Prevention and Security?

Security is practically the most important aspect in payment processing. Both providers invest heavily in protecting both merchant and customer data. So rest assured, you can’t go wrong with either one.

Security Aspects

Paydibs:

• Bank Negara Malaysia Recognition: Operates under the Financial Services Act 2013 regulatory framework.
• Advanced Fraud Management: Utilises sophisticated technologies for fraud detection and prevention.
• Security Features: Incorporates transaction monitoring, tokenization, and encryption, real-time tracking and robust accounting software integration.
• MSC Status: Awarded by MDEC, signifying adherence to high standards in the technology sector.

Omise:

• PCI DSS Certified: Ensures compliance with strict security standards for handling credit card information.
• Secure by Default Infrastructure: Designed to keep sensitive card data off merchant servers.
• Fraud Protection Features: Includes IP Geolocation, Proxy detection, Risk thresholding, Tokenization.

“A recent survey highlighted that 72% of Malaysian consumers prioritise payment security when making online purchases, underscoring the importance of robust fraud prevention from payment providers.”

For a merchant dealing with high-value international transactions, Omise’s specific fraud detection tools like IP Geolocation and Risk Thresholding could prove invaluable in mitigating cross-border fraud attempts. 

Malaysians running a local business however, will benefit much more from Paydibs’ comprehensive terminal security features, ensuring secure face-to-face transactions.

How Do Paydibs and Omise Compare in Terms of Integration and Support?

Paydibs:

• Integration: Provides easy integration with widely used shopping cart platforms such as WooCommerce and EasyStore, as well as custom-built websites. Also provides AP and SDK for developers.
• Support: Boasts a 24/7 hotline help desk, particularly beneficial for users of their physical terminals, showcasing strong local support.

Omise:

• Integration: Features robust RESTful APIs, SDK, and extensive documentation, making it appealing for developers.
• Support: Offers a local team in Kuala Lumpur for business relations and customer support based out of Bangkok, Thailand, available in English and Thai.

Which Payment Gateway is Best Suited for My Malaysian Business in 2025?

The best choice between Omise and Paydibs really  depends on your business model. Consider your primary sales channels and specific payment needs.

• For Online-First Businesses: If your sales are primarily online and you have technical resources or are comfortable with API integrations, Omise offers a strong proposition with its extensive e-wallet support and transparent online transaction fees.
• For Businesses with Physical Presence: If you operate a brick-and-mortar store in addition to, or instead of, an online shop, Paydibs provides a compelling solution with its range of terminals and mobile app options, seamlessly integrating physical and digital payments.
• Cost Sensitivity: Evaluate the specific fees for the payment methods most commonly used by your customers. For instance, if BNPL is a significant revenue stream, compare the 6-8% fees for both. If you primarily handle credit/debit cards, the 2.50% domestic rate from Omise is a strong point.
• Support Needs: Consider whether 24/7 hotline support (Paydibs) is more valuable than robust online documentation and regional support (Omise) for your operational needs.

The Final Word on Malaysian Payment Gateways in 2025

Choosing between Omise 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 if you can’t decide between the two or think there are better payment gateway options, we got you covered. Our Top 10 Payment Gateways in Malaysia 2025 provides the industry best payment machine options in the country.

Remember, choosing a payment gateway is more than fees and cost, it’s also choosing a payment partner that supports your growth and vision.