Paydibs vs Fiuu: The Payment Gateway Faceoff

Finding the right online payment gateway in Malaysia can feel like choosing your favourite nasi lemak stall. There’s so many delicious options and variations, but which one truly satisfies? 

For businesses aiming to accept digital payments efficiently, selecting the right payment gateway is a big decision, and we do mean BIG decision. It affects your business cash flow, POS efficiency and even how your customers pay you, pretty significant factors for a business. 

Paydibs and Fiuupay (formerly known as Razer Pay), are payment gateways that offer distinct sets of features and pricing structures. 

This guide will break down what each payment terminal brings to the table, helping you understand their core services, fee structures, and the types of businesses they best serve. 

Who is Paydibs?

Paydibs is a Malaysian-based payment terminal provider that prides itself on providing a flexible array of solutions designed to meet different business needs, from online stores to physical retail like pop-up stalls and even vending machines. 

“Paydibs was awarded with the Best Payment Solution Award at the 2018 Mobile Business Excellence Awards (MBEA) and Excellent Payment Solutions Provider at The 6th Lang International Corporate Titan Award 2024.”

They structure their offerings into three main packages: Online, Terminal, and Mobile App. Each comes with its own fee structure and range of supported payment methods.

Disclaimer:
All pricing, features, and package details mentioned in this article are based on publicly available information as of 2025. They are subject to change without prior notice. For the most accurate and up-to-date information, please consult the official websites or sales representatives of Paydibs and Fiuu.

Key Takeaways for Paydibs

Paydibs offers a distinct advantage for businesses looking for dedicated point-of-sale hardware or a purely mobile payment solution. 

Their “Free” signup across most packages (for local merchants) is appealing. However, it’s worth noting the yearly maintenance fee for the Online package and the specific limitations on payment methods for the Terminal and Mobile App options.

Who is Fiuu

Fiuu, or Fiuu payment as it’s commonly known, simplifies its offerings into two main packages: Lite and Premium.

Both are geared towards online payment acceptance but differ significantly in their supported payment channels and transaction fees. Fiuu is a recognised name in the Malaysian payment scene, alongside others like eHGL.

Here’s a breakdown of Fiuu’s two main service tiers.

Common Fiuu Features (Applicable to Both Packages):

Fiuu boasts a robust common set of features, irrespective of the package chosen:

• Supported Currencies: RM, SGD, PHP, IDR, VND, AUD, THB, DKK, CHF, USD
• Supported Cards: Visa, Mastercard
• Settlement: Weekly settlement (Monday to Sunday transactions settle next Thursday).
• Reliability: High
• Minimum Withdrawal Amount: RM100 (No withdrawal charge).

Fiuu’s strength lies in its wide range of supported currencies and numerous online banking and e-wallet partners, particularly in its Premium package. The Lite package is a more basic entry point, but it lacks support for credit cards and most e-wallets, which are often important for online sales.

Paydibs vs Fiuupay:  

To help you decide, let’s put Paydibs and Fiuupay side-by-side on some key comparison points.

Disclaimer: This table focuses on the most comparable packages and key features. Always refer to the latest official documentation from Paydibs and Fiuu for precise and up-to-date details.

Choosing Your Payment Gateway Partner

Deciding between Paydibs and Fiuu truly depends on the unique needs and priorities of your business. Here’s a guide to help you think about which platform might be a better match:

Consider Paydibs If Your Business Needs:

1. Physical Point-of-Sale Solutions: If you run a retail shop, restaurant, or any business that needs a physical terminal for card and e-wallet payments, Paydibs’ Terminal package is a direct solution.
2. A Dedicated Mobile Payment App: For businesses that operate on the go or prefer mobile-centric transactions (especially e-wallets and BNPL), the Paydibs Mobile App offers a specific, free-maintenance solution.
3. Low Initial Online Costs (for local merchants): The “Free” signup for the Paydibs Online package can be attractive for new online ventures. Just remember the yearly maintenance fee later on.
4. International Card Acceptance (Online): Paydibs Online clearly lists international payment support, which is good for reaching global customers.

Read more: Paydibs vs ToyyibPay: Custom or Simple Payment Integration?

Consider Fiuu If Your Business Needs:

1. Comprehensive Online Payment Channels: The Fiuu Premium package is strong if you want to offer a wide range of credit/debit card, internet banking, and e-wallet options all in one go.
2. Wide E-wallet and Online Banking Coverage: Fiuu lists an extensive array of supported e-wallets and online banking partners, which helps cater to a broad Malaysian customer base. 
3. Support for Multiple Currencies: If you deal with customers from different countries and need to accept payments in various currencies, Fiuu’s broad currency support takes the hassle out of logistics.
4. Clear Withdrawal Minimums: Fiuu provides a clear minimum withdrawal amount of RM100 with no charges, which helps with cash flow planning.

Important Considerations for Your Payment Gateway

Choosing a merchant machine isn’t just about the fees, it’s about finding a reliable partner that helps your business thrive.

• Reliability and Uptime: Your payment gateway is your cash register. It must be consistently available for transactions. Both Paydibs and Fiuu aim for high reliability, which is important.
• Security Features: Ensure the payment gateway adheres to industry security standards (like PCI DSS compliance) to protect your business and your customers’ data. Both Paydibs and Fiuu are regulated by BNM and are PCI DSS compliant.
• Reporting and Analytics: A good dashboard that provides insights into your transactions, settlements, and sales trends can be extremely beneficial for financial management.
• Scalability: As your business grows, your payment gateway should be able to handle increased transaction volumes without a hitch. Paydibs shines in this as they aim to help businesses scale with growth.

Conclusion On Paydibs vs Fiuu

In the head-to-head between Paydibs and Fiuu, it’s important to note there’s no clear winner, only the best fit for your specific business model.

Paydibs shines with its versatile range of packages, particularly if your operations span online and offline sales, or if you need dedicated terminal and mobile app solutions. Its free signup for local online merchants is hard to beat, with their 24/7 local customer support.

Fiuupay, on the other hand, stands out for its comprehensive online payment offerings, especially in its Premium package, covering a wide array of e-wallets, credit cards, and multiple currencies that suits businesses doing international businesses. 

Ultimately, take the time to map out your business’s current and future payment needs. Which payment methods are most important to your customers? What’s your expected sales volume? Do you need physical terminals or is everything online?

To find out more about payment gateways Malaysia has to offer, go check out our Top 10 Payment gateways in Malaysia 2025 for more information.