Paydibs vs PayHalal: Discover The Ultimate Payment Solution

Choosing between Paydibs and PayHalal boils down to your business’s specific needs, with Shariah compliance being PayHalal’s key differentiator and Paydibs offering broader, general e-commerce and offline solutions.

This guide offers an in-depth comparison of two prominent payment gateway Malaysia players, Paydibs and PayHalal, ensuring that you choose a provider that fits your business needs and goals. 

What is Paydibs and What Do They Offer to Malaysian SMEs?

Paydibs is a local payment solutions provider in Malaysia, offering a versatile range of online payment gateway services alongside physical point-of-sale (POS) payment terminal solutions.

Paydibs positions itself as the perfect payment partner for businesses operating both in the digital transactions and traditional brick-and-mortar settings. 

• Efficiency and Security: Prioritising smooth and secure transaction processing.
• Broad Payment Acceptance: Supporting a wide array of payment methods.
• Simplified Collection: Consolidating various payment methods under a single, unified platform.

Key Features of Paydibs as of 2025:

• Diverse Accepted Payment Methods: Supports Visa, MasterCard, FPX, various e-wallets, and Buy Now Pay Later (BNPL) options across different packages.
  
• Offline POS Solutions: Provides physical payment terminals (rent or buy) for credit/debit cards, e-wallets & QR payments, and BNPL, making it suitable for brick-and-mortar stores.
  
• Mobile App Solutions: Features a mobile app for processing credit/debit cards, e-wallets & QR payments, and BNPL, offering flexibility.
• Merchant Portal: Provides dashboards for real-time transaction tracking, reporting, settlement management and accounting software integration.

Paydibs Pricing Structure in 2025

Paydibs offers flexible pricing models across its Online, Terminal (Rent/Buy), and Mobile App packages, often with free sign-up for local merchants and varying fees for connection or maintenance.

* Yearly maintenance fee waived with a minimum sales volume of RM360,000 in the previous year. 

** Signup fee is FREE for local merchants only. Signup fee for foreign merchants is USD 120.00.

What is PayHalal and How Does It Serve Malaysian Businesses?

PayHalal is a pioneering Shariah-compliant payment gateway in Malaysia, catering specifically to businesses that prioritise ethical financial transactions and the rapidly expanding global halal economy.

Established as the first of its kind, PayHalal operates with strong foundational principles:

• Licensing: Holds licensing from Bank Negara Malaysia.
• Certification: Certified by Amanie Advisors Sdn Bhd, a reputable Shariah advisory firm.

PayHalal adhere strictly to Islamic principles, avoiding elements like:

• Riba (interest)
• Maysir (gambling), 
• Gharar (excessive uncertainty). 

“The global Islamic economy is projected to reach trillions, driving demand for Shariah-compliant financial infrastructure. Payment gateways like PayHalal are pivotal in unlocking this immense market potential.”

For businesses targeting Muslim consumers, this offers a significant advantage in building trust and market reach. 

Key Features of PayHalal:

• Accepted Payment Methods: Supports Visa, MasterCard (debit & credit), FPX, e-wallets (Touch ‘n Go, GrabPay), and Islamic Buy Now Pay Later (iBNPL) via ATOME.
• Islamic Buy Now Pay Later (iBNPL): A zero-interest, Shariah-compliant instalment option via ATOME, offering instant credit approval for customers (up to RM1,500 for debit, RM5,000 for credit).
• Integration Options: Ready plugins for popular e-commerce platforms like EasyStore, WooCommerce, OpenCart, and a comprehensive API for custom integrations.

PayHalal Pricing Structure in 2025

PayHalal offers competitive pricing with various plans, often featuring lower fees for higher transaction volumes and specific benefits for platform partners like EasyStore.

While specific rates can be tailored to individual merchants, It’s important to remember that these are representative rates and direct consultation with PayHalal is always recommended for a precise quote.

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

Paydibs vs. PayHalal: A Direct Comparison for Your Malaysian Business Needs

Choosing between Paydibs and PayHalal requires a careful evaluation of your specific business model, target audience, and priorities. Here’s a side-by-side look at their offerings:

Disclaimer: The pricing information presented in the comparison table is for informational purposes only and may not reflect the most current rates or terms offered by Paydibs or PayHalal. All fees, features, and terms are subject to change without prior notice and may vary depending on your business type, size, location, and agreement with the respective provider.

Who Should Choose PayHalal, and Who is Paydibs Best Suited For in 2025?

As mentioned, it really depends on who you are targeting and if the payment provider aligns with your business core value and customer demographics. 

Choose PayHalal if your business:

• Prioritises Shariah Compliance: If your brand identity, product offerings (halal goods, Islamic finance products, Hajj/Umrah services), or target market demand adherence to Islamic principles.
• Targets Muslim Consumers: Building trust and catering to the rapidly growing global halal market is a key objective.
• Values Ethical Finance: You want your payment processing to reflect broader ethical and responsible business practices.

Choose Paydibs if your business:

• Needs Integrated Online and Offline Solutions: You operate both an e-commerce store and physical retail outlets, and prefer a single provider for all payment channels, including mobile app payments.
• Has Diverse Payment Needs: You require broad support for standard credit/debit cards, FPX, and a wide range of e-wallets, as well as general BNPL options.
• Requires Physical POS Terminals: You specifically need to rent or buy smart terminals for in-person transactions.

Choose Paydibs for General Business, PayHalal for Shariah Compliance

The choice between Paydibs and PayHalal is refreshingly simple, if your business focuses on the halal economy, PayHalal (it’s in the name) offers unparalleled Shariah compliance and an ethical edge. 

Conversely, Paydibs excels at providing a broad, integrated payment ecosystem for businesses with both online and offline footprints. 

Yet with all of these options, we know for a fact that business wants more payment gateway options. Which is why we have an in-depth Top 10 Payment Gateway in Malaysia 2025, allowing businesses to choose and evaluate the best payment machines provider for themselves.