Paydibs vs Xendit: Physical & online solutions for Businesses

Payment Gateway Malaysia comparison between Paydibs and Xendit.

Choosing the right payment gateway really depends on your business’s unique needs, blending online transaction capabilities with practical physical payment options.

As Malaysian businesses embrace the digital era, the question of which payment gateway truly fits their operational needs becomes more important. 

Paydibs and Xendit, both offer seamless digital transactions you expect from reputable payment gateways, but with different approaches. This guide provides a detailed look at their offerings, helping you decide which platform best powers your sales, whether online, in-store, or both.

Xendit: For Online Transactions

Xendit stands as a prominent Southeast Asian payment gateway, known for its strong focus on streamlined online digital payments across the region, including a well-known presence in Malaysia. 

The platform simplifies online payment processing, allowing businesses to accept payments via a single, intuitive integration. Their offering is built for scale, so it’s really beneficial for e-commerce businesses and platforms looking to manage online transactions efficiently.

Xendit Pricing 

Payment Method

Fee / Rate

Details

Local Credit Cards

2.00%

 

Local Debit Cards

1.20%

Highly competitive rate

Foreign Cards

2.80%

 

Online Banking (FPX)

 

Facilitates direct bank transfers across Malaysian banks

Personal Accounts

RM 1.20 (fixed fee)

For personal bank account transfers

Corporate Accounts

RM 2.00 (fixed fee)

For corporate bank account transfers

E-wallets

1.30%

Integrates with popular Malaysian e-wallets, such as Touch ‘n Go, GrabPay and Shopee Pay

QR Payments

1.4% + $0.30 ( RM1.40)

Supports DuitNow QR and other QR code payments

PayLater by Grab (BNPL Instalment)

8.00%

Instalment plan: 4 to 12 months

PayLater by Grab (Postpaid)

6.00%

Postpaid plan: 1 month

SPayLater (BNPL Instalment)

1.30%

Highly affordable instalment solution: 1 to 12 months

“Xendit’s strong API and transparent per-transaction fees make it a compelling choice for Malaysian online businesses prioritizing simplicity and scalability in their digital payment processing.”

Paydibs: The Local Specialist 

Paydibs is a dedicated Malaysian payment provider, While supporting online transactions with their online payment terminal, Paydibs also boasts its capability to provide physical payment terminals and credit card machines for restaurants, pop-up stalls and even salons!

Paydibs Pricing Details by Package

Feature / Package

Online

Terminal (Rent)

Terminal (Buy)

Mobile App

Signup Fee

FREE**

FREE

FREE

FREE

Yearly Connection Fee

N/A

N/A

RM120

N/A

All-In-One Smart Terminal

N/A

RM40/Month

RM480

N/A

Yearly Maintenance Fee

RM300*

N/A

N/A

FREE

Deposit (Refundable)

N/A

RM500

N/A

N/A

Online Banking

✔

✘

✘

✘

Credit / Debit Card

✔

✔

✔

✘

E-Wallet & QR Payment

✔

✔

✔

✔

Buy Now Pay Later

✔

✔

✔

✔

International Payment

✔

✔

✔

✘

Note:

*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.

“Paydibs excels in providing comprehensive payment solutions for Malaysian businesses that require seamless integration between their online sales channels and physical storefront operations.”

Finding Your Ideal Malaysian Payment Partner

Choosing between Paydibs and Xendit Malaysia really comes down to aligning their strengths with your specific business model and priorities. Much like other payment gateways in Malaysia such as Billplz, it’s worth comparing the two.

Feature / Cost Factor

Xendit 

Paydibs 

Business Model Focus

Primarily Online & E-commerce. Strong for digital platforms, online storefronts in Southeast Asia.

Integrated Online & Physical Retail. Caters to brick-and-mortar stores, SMEs needing POS systems alongside online channels.

Core Cost Structure

Transaction-based. No explicit yearly fees for core online gateway. You pay per successful transaction.

Package-based with overhead fees. Includes RM300 Yearly Maintenance Fee (for online package, waiver possible), and separate terminal rental/purchase costs. 

Local Debit Card Fees

1.20%. Highly competitive.

(Not publicly listed). Potential for similar or slightly higher.

Local Credit Card Fees

2.00%. Very competitive.

(Not publicly listed). Potential for similar or slightly higher.

FPX (Online Banking) Fees

RM 1.20 (personal), RM 2.00 (corporate) fixed fee. Highly competitive for online banking.

(Not publicly listed). Local providers often offer very competitive fixed fees for FPX.

E-wallet Fees

1.30% for major local e-wallets (TNG, GrabPay, Shopee Pay, WeChat Pay). Highly competitive.

(Not publicly listed). Likely competitive rates for Malaysian e-wallets.

BNPL Fees

SPayLater: 1.30% (Instalment) – Exceptionally low. GrabPay PayLater: 6.00-8.00% (typical).

(Not publicly listed). BNPL rates are generally higher due to credit risk.

Physical POS / Terminals

Not a primary offering.

Primary Offering. Dedicated All-In-One Smart Terminals for rent or purchase, ideal for in-store payments.

Geographic Focus

Strong Southeast Asian regional presence, offering unified solutions for regional expansion.

Dedicated Malaysian focus, with deep local market integration and understanding.

Transparency (publicly available)

Clear per-transaction MDRs and fixed fees for all listed payment methods.

Clear overhead costs and package fees. Per-transaction MDRs require direct inquiry.

Compliance & Security

Both adhere to BNM security standards and local regulations.

Both adhere to BNM security standards and local regulations.

Who is Paydibs For? Who is Xendit For?

Understanding your business’s core operations and future ambitions is paramount in making the right choice between these two payment solutions.

Choose Paydibs if:

  • Your Malaysian business operates a physical retail store or needs a strong POS system integration for in-person payments.
  • You prefer a local payment provider with dedicated local support and a strong understanding of Malaysian consumer payment habits. (Very important)
  • Your annual sales volume for online transactions is likely to exceed RM360,000, making the Yearly Maintenance Fee waiver beneficial.
  • You are willing to inquire directly for per-transaction MDRs to ensure cost-effectiveness for your specific transaction volume.

Choose Xendit if:

  • Your Malaysian business is primarily online, focuses on e-commerce, or operates digital platforms.
  • You seek highly competitive per-transaction fees for key online payment methods like debit cards, e-wallets, and especially SPayLater.
  • You prefer a transparent pricing model with no fixed annual overheads for your online payment gateway.
  • You have plans for regional expansion across Southeast Asia and require a unified payment solution that can scale with your growth.

“A truly effective payment gateway empowers your business to not just accept payments, but to thrive in a competitive market by enhancing efficiency and customer trust.”

Your Payment Gateway to Business Success

Choosing between Paydibs and Xendit comes down to understanding your specific business model. Xendit excels as a formidable online payment gateway, offering highly competitive transaction fees for digital-first businesses in Malaysia. 

Conversely, Paydibs stands out for Malaysian businesses needing a comprehensive payment solution that bridges both their online and physical retail operations. 

But we know that businesses need to seriously consider their options before making a decision, which is why our Top 10 Payment Gateways in Malaysia is made specifically for Malaysian business owners looking for payment gateway solutions.

We already did the homework for you, all you have to do is click, read and choose which payment machine is best for you.

Frequently Asked Questions About Paydibs vs Xendit

1Which Payment Gateway Is More Suitable For Small Online Businesses In Malaysia?

For small online businesses in Malaysia, Xendit might be more suitable due to its purely transaction-based pricing model, meaning no fixed annual fees for their core online gateway service. 

2Does Paydibs Offer Physical Point-Of-Sale (POS) Solutions For Malaysian Retailers?

Yes, Paydibs explicitly offers physical Point-of-Sale (POS) solutions, including All-In-One Smart Terminals that can be rented or purchased. This is a key advantage for Malaysian retail businesses that need to accept in-person payments.

3Which Payment Gateway Offers Dedicated Hardware For Retail Stores In Malaysia?

Paydibs provides dedicated All-In-One Smart Payment Terminals for rent or purchase, ideal for Malaysian businesses needing physical Point-of-Sale (POS) solutions.

4How Do Xendit And Paydibs Support Businesses With Varying Sales Volumes?

Xendit uses a transaction-based model, suiting businesses with fluctuating volumes. Paydibs has an annual fee that is waived for high-volume merchants (above RM360,000 yearly sales), potentially making it cost-effective for them.

5Is Localized Customer Support Available For Both Payment Gateways In Malaysia?

Yes. Both Xendit and Paydibs offer localized customer support in Malaysia. Paydibs, as a local provider, may offer more directly tailored assistance reflecting Malaysian business practices.

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