Pricing
No setup and monthly fees. Tailored for businesses of all sizes.
Collect
Payments
Online, in-person and recurring payments modules engineered for growth.
Included in CHIP Collect:
All-in-one merchant portal
Payments from local & global customers
In-person payments with CHIP mini app
Shareable payment links
Manage multiple brands under one account
Switch between staging & live environment
Recurring payments
20+ sales platforms & 30+ plugins
Built-in refund and payment tracking
Flexible RESTful APIs
Online payments
Secure payments via e-commerce website, SaaS platform, payment links.
FPX Online Banking
Collect payments from individual and business customers through Malaysia's most popular online banking network.
RM 1.00
per paid transaction for B2C
RM 2.00
per paid transaction for B2B1
Every next day settlement
Credit and Debit Cards
Collect payments from customers in Malaysia and around the world using credit, debit and prepaid cards.
Fast checkout with
Auto-recurring payments available
Local Cards
2.0%
per paid transaction for credit card
1.0%
per paid transaction for debit card
Every 2 business days settlement
Foreign Cards
3.0%
per paid transaction for credit & debit card
Every 2 business days settlement
DuitNow QR (Online)
Display a QR code in checkout page for customers to scan using their banking or e-wallet app.
Cross-border QR payments from Indonesia, Thailand and Singapore are also supported. Learn more
1.0%
per paid transaction
(Min: RM0.15)
(Min: RM0.15)
Every next day settlement
E-wallets
Let customers pay using their preferred e-wallet app.
1.4%
per paid transaction
Every 2 business days settlement
Buy Now, Pay Later
Give customer flexibility to make purchases today and pay them at future dates.
Atome
5.3%
per paid transaction
Every Thursday of following week settlement
Transaction fees are subject to 8% SST.
SPayLater by Shopee
1.4%
per paid transaction
Every 2 business days settlement
Stablecoin
Collect in BTC, ETH, PYUSD, USDC & USDT and receive settlements in MYR.
Available on Ethereum, Arbitrum One, Polygon, Solana, Ton and Tron networks.
1.5%
per paid transaction
Refund fee:
1.5%
per transaction
Every 1 business day settlement
Fees exclude gas fee and network fee.
In-person payments New
Turn your phone into a payment terminal by simply downloading CHIP mini app.
DuitNow QR (Online)
Display a QR code on your phone for customers to scan using their banking or e-wallet app.
Cross-border QR payments from Indonesia, Thailand and Singapore are also supported. Learn more
1.0%
per paid transaction
(Min: RM0.15)
(Min: RM0.15)
Every next day settlement
Coming Soon
* Fees are subject to final approval
** The time required for funds to reach a bank account depends on the bank's operating hours & system uptime.
Control
Payouts
Fast, reliable payouts for your agents, affliates, partners and vendors.
Included in CHIP Send:
Real-time payouts to organisations and individuals
Real-time bank verification to reduce failed transfers
Real-time payout tracking
Payouts using API or via no-code portal
Customizable approver rules for security
Built for operational & automated workflows
CHIP Send
Fast and reliable payouts.
Transfer fee:
RM 1.00
per successful transfer
Verification fee:
RM 1.00
per successful bank account verification
(one-time)
(one-time)
Verification and Settlement:
Real-time
Budget Allocation Fee
Allocate CHIP Send budget.
Free
Allocate Send budget via CHIP Collect (Collections)
Control
Expense Management
Manage company spending, claims, and budgets with better visibility.
Included in CHIP Expense:
For Employer
For Employee
Team-based budget management
Simply launch app and scan QR to pay
Allocate funds for team spending
Utilize allocated company funds to pay
Real-time spending insights and monitoring
Submit claims directly from Expense app
CHIP Expense
Effortless expense tracking for your team.
Transaction fee:
Waived
per successful transfer via Expense App
Capital
Sales Advance
Shariah-based financing solution designed around your sales and cashflow.
Included in CHIP Advance:
Up to RM500,000 sales advance available
No interest or late payment fees
Funding based on your sales performance
Automatic repayments from your sales
Repayment only upon confirmed sales
Receive funds within 48 hours
CHIP Advance
Shariah-based financing solution offering a frictionless line of credit that's accessible at all times.
One-time fee:
From 6%
per Advance request
Stamping fee:
0.5%
per Advance request
Pricing
Frequently Asked Questions
How are payment fees calculated?
CHIP charges a per-transaction fee for every successful payment, based on the payment method selected by the customer. Transaction fees are deducted before CHIP settles the net amount to your business bank account.
Do you charge setup or up-front fees?
CHIP does not charge setup, monthly or annual fees.
Are refund fees charged separately?
Refund fees are only applicable for FPX B2C (RM 1.00) and FPX B2B (RM 2.00) payment methods. No additional charge for other payment methods.
Can I accept in-person payments?
Yes. Use CHIP mini to accept in-person payments using DuitNow QR directly from your phone, with no additional hardware required. Simply download the app, sign in to your account and start collecting payments in minutes.
Are there any contracts or long-term commitments?
No. CHIP does not require long-term contracts or commitments to get started.
