For any growing business in Malaysia, having the right payment gateway goes beyond accepting that DuitNow QR or that card swipe.
It’s about smooth operations, happy customers, and solid financial control. Options are important and when it comes to discussing payment gateway Malaysia, there are a lot of them in the market.
Today, we are going to compare two of them, eGHL and Paydibs. Both offer ways to process transactions, but each of them have their own strengths and specialties.
This article will provide a clear, unbiased comparison to help you decide which is the better fit for your specific needs.
Paydibs is a Malaysian-based fintech player with BNM regulation and MSC status. It serves businesses with both online and offline transaction needs, offering deep customisation for enterprise setups alongside straightforward online collection tools.
Feature | Online | Terminal (Rent) | Terminal (Buy) | Mobile App |
Signup Fee | FREE** | FREE | FREE | FREE |
Annual/Yearly Fee | RM 300* | N/A | RM 120 | N/A |
Terminal Cost | N/A | RM 40/month | RM 480 (one-time) | N/A |
Maintenance Fee | RM 300* | N/A | N/A | FREE |
Refundable Deposit | N/A | RM 500 | N/A | N/A |
Online Banking (FPX) | Yes | No | No | No |
Credit/Debit Card | Yes | Yes | Yes | No |
BNPL / Installments | Yes | Yes | Yes | Yes |
International Payments | Yes | Yes | Yes | No |
Highlights of Paydibs:
eGHL, a subsidiary of GHL Systems Berhad, is a popular payment gateway in Southeast Asia. Known for its regional capabilities, eGHL is widely used by businesses that need a reliable and scalable solution that works both locally and internationally.
Plan / Service | Fee Type | Rate / Amount |
Setup Fee | One-time | FREE |
Annual Fee | Recurring | RM 499 (may vary) |
FPX (Online Banking) | Per transaction | 1.5% |
Credit/Debit Cards (Local) | Per transaction | 2.5% |
Credit/Debit Cards (Foreign) | Per transaction | 3.5% |
E-Wallets (e.g. GrabPay) | Per transaction | ~2.5% |
Settlement Speed | Bank Transfer | T+2 working days |
Disclaimer: Payment gateway pricing can change and may depend on your specific business type, expected transaction volume, and any custom agreements. We strongly advise you to contact Paydibs and eGHL directly for a personalised, up-to-date quote to confirm accuracy or consultation. This information is for general comparison purposes only.
Highlights of eGHL:
Feature | eGHL | Paydibs |
Focus Area | Online + regional payments | Online + physical (omni-channel) |
FPX Fees | 1.5% | % based (typically competitive) |
Card Fees (Local) | ~2.5% | ~2.2% |
Setup Fee | Free | Free (local merchants) |
Annual/Maintenance Fees | RM 499/year (can vary) | RM 300/year (can be waived) |
Terminal Support | No | Yes (rent or buy) |
BNPL Support | Yes (via partners) | Yes (core offering) |
International Payments | Yes (strong multi-currency support) | Yes |
Settlement Speed | W+4 days | T+1 to T+2 days |
Integrations | WooCommerce, Shopify, APIs | Custom API, SDK, plugins, terminals |
Customer Support | Mon-Fri, Business Hours | 24/7 hotline + developer assistance |
“A reliable payment gateway isn’t just about processing transactions; it’s about peace of mind. Robust security and responsive support are truly invaluable.”
eGHL: They hold PCI DSS Level 1 certification, which is the highest standard for payment security compliance globally. They are also regulated by Bank Negara Malaysia (BNM), ensuring they adhere to local financial regulations.
Paydibs: Also adheres to strict security standards and is PCI DSS compliant. They provide essential fraud prevention tools and are regulated by Bank Negara Malaysia (BNM), ensuring a safe environment for your digital transactions.
eGHL: Offers structured customer service through email and phone, providing a reliable point of contact for inquiries and technical issues.
Paydibs: Is frequently highlighted for its responsive and more personalised 24/7 customer support. This can be a notable advantage for SMEs who might appreciate more direct and tailored assistance when it comes to the payment terminal.
eGHL
They also offer physical payment machine solutions, catering to a broader range of retail needs.
Paydibs:
This makes Paydibs an excellent choice for businesses with both e-commerce and physical retail presences.
Read more: Paydibs vs Gkash: Who is the Best Payment Gateway Malaysia in 2025?
Making the right choice depends entirely on your specific business needs, expected transaction volume, growth ambitions, and operational preferences. Here’s our expert recommendation:
While analysing fees and features is important , a complete approach to choosing your payment processor also involves considering these important additional elements:
Both eGHL and Paydibs are highly capable and reputable payment gateway providers in the Malaysian market. Each brings unique strengths to the table.
Ultimately, the “best” payment solution is subjective. It depends precisely on your business model, your anticipated transaction volume, your specific cash flow requirements, and whether your primary focus is purely online, exclusively offline, or maybe a hybrid approach.
Take the time to evaluate your unique circumstances against the detailed comparison provided. But if you find these two payment gateways don’t meet your requirements, don’t worry!
Our Top 10 Payment Gateway in Malaysia provides more detailed information about the best payment payment terminal in our country.
Paydibs may be more flexible for startups due to its waived maintenance fees if a certain threshold is met, while eGHL’s fixed annual fee applies regardless of volume.
Yes. Paydibs offers a dedicated mobile app for in-person payments, while eGHL can be integrated into mobile apps using their APIs.
Yes. Both platforms support BNPL through partners, with Paydibs offering it as a native option for both online and offline channels.
eGHL offers Dynamic Currency Conversion, letting international customers see prices and pay in their own currency. Paydibs does not advertise DCC prominently.
eGHL offers integrations with some platforms via plugins or API. Paydibs supports custom integration with accounting systems through its API.
Yes. Both platforms support payment links, allowing merchants to send customers a clickable URL for direct payment. Ideal for invoicing or social selling.