Malaysia · checked 20 Oct 2026
At a glance
| HitPay | Fiuu | |
|---|---|---|
| Domestic credit card | 1.2% + RM1 | 1.99% + RM0.46 |
| FPX (B2C) | 1.8% + RM0.40 | 1.00%, min RM1.20, max RM2.00 |
| Terminal | Buy once, from MYR310 | MYR250 install + MYR540/yr rental |
| Signup / yearly fee | None | MYR999 signup (waived) + MYR99/yr from year 2 |
Fiuu figures are its published base rates; contracted rates may differ. See the full comparison
QUICK ANSWER
Fiuu (formerly Razer Merchant Services / MOLPay) has lower published rates on online banking, DuitNow QR and most e-wallets. HitPay is cheaper on domestic credit cards above about RM68, has no signup or yearly fee, and sells terminals outright instead of renting them. HitPay adds 0.2% on Links/Invoicing/Store/POS/Recurring and 0.5% on Shopify (Fiuu: +0.25%).
Compare
Fiuu: public rate appendix (base rates; contracted rates may differ). HitPay: hitpayapp.com/my/pricing. Rates as published, checked 20 Oct 2026.
| Item | HitPay | Fiuu | Cheaper |
|---|---|---|---|
| Domestic credit card | 1.2% + RM1 | 1.99% + RM0.46 | HitPay above ~RM68 |
| Domestic debit card | 1.2% + RM1 | 1.78% + RM0.46 | HitPay above ~RM93 |
| Online banking (FPX) B2C | 1.8% + RM0.40 | 1.00%, min RM1.20, max RM2.00 | Fiuu |
| DuitNow QR | 1.2% | 1.05% | Fiuu |
| Touch 'n Go / ShopeePay / GrabPay | 1.9% / 2.2% / 2% | 1.50% / 1.30% / 1.40% | Fiuu |
| Signup / yearly | None | MYR999 one-time signup (waived) + MYR99/yr maintenance from year 2 | HitPay |
| Terminal | Tap to Pay free; buy once: WisePad 3 MYR310, All-in-One MYR850, FlexiPOS MYR1,750 | MYR250 install + MYR540/yr rental; MYR2,000 lost-terminal penalty | HitPay |
| Shopify add-on | +0.5% | +0.25% | Fiuu |
Buy vs rent
Two years of a rented Fiuu terminal: MYR250 installation + 2 × MYR540 rental = MYR1,330 in hardware costs, before transaction fees. A HitPay WisePad 3 is MYR310 once; the All-in-One is MYR850 once.
| Hardware, first two years | HitPay | Fiuu |
|---|---|---|
| Installation | None | MYR250 |
| Device | MYR310 (WisePad 3) or MYR850 (All-in-One), once | Rental |
| Rental | None | 2 × MYR540 |
| Total hardware cost | MYR310 or MYR850 | MYR1,330 |
Fiuu review
Fiuu (formerly Razer Merchant Services) is a long-running Malaysian payment gateway. It publishes base rates in a public appendix and notes contracted rates may differ, so ask for a written rate card. HitPay publishes its Malaysia rates at /my/pricing. FPX payouts arrive T+1 business days, card payouts T+1 and other non-card methods T+2, and online and in-store sales sit in one dashboard with one payout.
| Payout | HitPay | Fiuu |
|---|---|---|
| FPX | T+1 business days | Not stated in its appendix |
| Cards | T+1 business days | Weekly (Thursday) |
| DuitNow | T+2 business days | Weekly (Thursday) |
Who should choose which
Mobiedge E-commerce Sdn Bhd, a wholly-owned subsidiary of HitPay Malaysia, is a registered merchant acquirer regulated by Bank Negara Malaysia. HitPay has processed over US$1B at 99.99% uptime.
Fiuu fits if you:
Mostly take FPX, DuitNow QR or e-wallets
Already have a negotiated Fiuu rate
Sell mainly through Shopify (+0.25% vs +0.5%)
HitPay fits if you:
Take mostly domestic cards
Would rather buy a terminal once than rent one
Want no signup or yearly fee
Want card payouts in T+1 business days, not weekly
frequently asked questions
Is Fiuu the same as Razer Merchant Services?
Yes. Fiuu is the new name of Razer Merchant Services.
What happened to MOLPay?
MOLPay became Razer Merchant Services, which is now called Fiuu.
Does Fiuu publish its fees?
It publishes base rates in a public appendix (booster.fiuu.com, checked 20 Oct 2026) and notes contracted rates may differ. Ask for a written rate card.
Is HitPay cheaper than Fiuu?
On domestic credit cards above about RM68, yes (1.2% + RM1 vs 1.99% + RM0.46), and HitPay has no signup or yearly fee. Fiuu's published base rates are lower on FPX, DuitNow QR and most e-wallets.
Which is cheaper for FPX or DuitNow QR?
Fiuu, at its published base rates: FPX 1.00% (min RM1.20, max RM2.00) and DuitNow QR 1.05%, against HitPay's 1.8% + RM0.40 and 1.2%.
Do I have to rent a HitPay terminal?
No. You buy it once: WisePad 3 MYR310, All-in-One MYR850 or FlexiPOS MYR1,750.
Is HitPay a Fiuu alternative for in-store?
Yes. HitPay supports Tap to Pay in Malaysia and puts online and in-store sales in one dashboard with one payout.
Does HitPay have a signup fee?
No. There's no signup, setup or yearly fee.
How fast are payouts?
HitPay pays FPX out T+1 business days, cards T+1 business days and other non-card methods T+2 business days. Fiuu's appendix lists weekly (Thursday) settlement for cards and DuitNow.
Can I use HitPay with EasyStore, Shopify or WooCommerce?
Yes. HitPay has plugins for EasyStore, Shopify, WooCommerce and more.
Still have questions?
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