Billplz, Razorpay Curlec and Fiuu are all strong on FPX: on a RM100 payment they charge RM1.20 to RM1.50 on their entry plans. They differ on cards, fixed fees and payout speed. Billplz pays FPX the next business day, Fiuu settles cards weekly, and Curlec doesn't publish a schedule. If you also sell in store, HitPay takes DuitNow QR at 1.2% and cards at 1.2% + RM1 online and in person, with Tap to Pay and T+1 business-day card and FPX payouts.

All fees from each provider's own pricing page, as of 23 Oct 2026.

The short answer

• Cheapest flat FPX: Billplz (RM1.25 Basic, RM0.75 Standard).

• Lowest FPX on small baskets: Fiuu (1.00%, min RM1.20).

• Plans with no annual fee: Curlec (Basic RM99 setup, per Curlec's FAQ; Premium RM999 one-time).

• Online plus in store, DuitNow QR, fastest card payouts: HitPay.

Fees compared

Entry plan first; as of 23 Oct 2026.

Sources: main.billplz.com/pricing; curlec.com/pricing; Fiuu appendix (booster.fiuu.com, dated 17 Aug 2026); hitpayapp.com/my/pricing and /my/card-terminal. All checked 23 Oct 2026.

What you pay on a RM100 sale

Entry plans; as of 23 Oct 2026.

HitPay cards (1.2% + RM1) are cheaper than Fiuu credit online above about RM69, Curlec Basic above about RM84, and Billplz Basic above about RM167.

Payout speed

As of 23 Oct 2026.

In-store, DuitNow QR and Tap to Pay

Only HitPay and Fiuu list in-store rates. Fiuu's terminal is rented (RM540/year + RM200 installation). HitPay's is bought once from MYR 310, or you can use Tap to Pay on iPhone with no reader.

Which should you choose?

• Billplz if you take mainly FPX and want flat pricing.

• Curlec if you take FPX and e-wallets online and want subscriptions with no annual fee.

• Fiuu if you want the widest channel list and are fine with weekly card settlement.

• HitPay if you sell online and in store, want DuitNow QR and cards on one account, and want card and FPX money in T+1 business days.

Go deeper with HitPay vs Billplz, our Curlec alternative and Fiuu alternative pages, Billplz pricing compared, the Fiuu review and the Curlec review. For HitPay's own rates, see HitPay Malaysia pricing, DuitNow QR for business and our card terminal Malaysia range.

Frequently Asked Questions

Which is cheapest for FPX: Billplz, Curlec or Fiuu?

On a RM100 FPX payment (as of 23 Oct 2026): Fiuu RM1.20 (1.00%, min RM1.20), Billplz Basic RM1.25 flat, Curlec Basic RM1.50 (1.50%). Billplz Standard (RM999/year) is RM0.75 flat. HitPay is RM2.20 (1.8% + RM0.40), so HitPay is not the cheapest for FPX.

Which is cheapest for card payments?

On a RM100 domestic card payment (as of 23 Oct 2026): Billplz Basic RM1.80, HitPay RM2.20, Curlec Basic RM2.40, Fiuu RM2.45 (credit, online). On larger orders HitPay's 1.2% + RM1 is cheaper: it beats Billplz Basic's 1.8% above about RM167.

Which pays out fastest?

Billplz pays FPX the next business day and cards in T+2 business days. Fiuu settles cards and DuitNow weekly on Thursdays. Curlec doesn't publish a schedule on its pricing page. HitPay pays cards and FPX in T+1 business days and other methods in T+2 (as of 23 Oct 2026).

Which of them supports DuitNow QR and in-store payments?

Fiuu lists online and offline DuitNow QR rates. Billplz's pricing page doesn't list DuitNow QR collection, and Curlec lists DuitNow Pay rather than QR. HitPay takes DuitNow QR at 1.2% online and in store, with terminals or Tap to Pay on iPhone.

Do Billplz, Curlec or Fiuu charge yearly fees?

Billplz Basic is free and Standard is RM999/year. Curlec has no annual fee (Basic has a RM99 one-time setup per Curlec's FAQ; Premium RM999). Fiuu charges RM99/year from year two. HitPay has no setup, monthly or yearly fee (as of 23 Oct 2026).