HitPay Malaysia operates as HitPay Payment Solutions Sdn Bhd (SSM 202101017021). Its wholly-owned subsidiary Mobiedge E-commerce Sdn Bhd (SSM 201501003595) is a registered merchant acquirer regulated by Bank Negara Malaysia. Trusted by over 20,000+ businesses across Asia-Pacific.
SPayLater is 2.2% per successful transaction on HitPay Malaysia. No setup, subscription, account maintenance, or hidden fees.
SPayLater is supported on HitPay’s payment tools, including POS readers, e-commerce plugins for Shopify, WooCommerce, and more. No coding required.
Rates change — confirm live on HitPay Malaysia pricing. For instalment BNPL, see Atome Malaysia, or compare every option on BNPL in Malaysia.
Competitor fees and BNPL availability are deliberately not quoted here because they change: check Stripe Malaysia pricing and Airwallex Malaysia pricing directly. HitPay rates are on /my/pricing; entity and regulator details are on licences and registrations. See also HitPay Malaysia payment gateway and Shopify Malaysia.
What is SPayLater and how does it work for businesses?
SPayLater is a Buy Now, Pay Later solution that allows customers to make purchases immediately and pay over time. For businesses, integrating SPayLater can enhance sales by offering flexible payment options to customers.
Are there any fees for merchants when accepting SPayLater payments?
HitPay charges 2.2% per successful SPayLater transaction on Malaysia online checkout. There is no setup fee and no monthly fee. Confirm current rates on the Malaysia pricing page.
How can I activate SPayLater payments through HitPay?
To start accepting SPayLater payments via HitPay:
Sign up: Create your free HitPay account.
Connect your bank account: Link your business bank account to enable seamless payouts.
Enable SPayLater: Activate SPayLater from the HitPay dashboard — no technical setup or coding required.
This straightforward process allows you to quickly integrate SPayLater in-store or online.
How do I receive funds collected via SPayLater?
SPayLater funds settle to your linked bank account on the standard Malaysia schedule: non-card HitPay Balance payouts follow T+2 business days. Payment confirmation is real time; bank settlement is separate. See the Malaysia pricing page for payout schedules.
SPayLater or Atome on HitPay — which should I use?
They are different BNPL products and are priced differently on HitPay Malaysia. SPayLater (Shopee PayLater) is 2.2% per successful transaction. Atome is 5.5% + RM1 and is the instalment option. You can enable either or both. For Atome setup and details, see the Atome Malaysia page.
Do I need a Shopee seller account to accept SPayLater?
No — you do not set it up through Shopee Seller Centre. SPayLater is enabled inside HitPay: once your Malaysia business is verified, go to Settings, then Payment Methods, and switch on ShopeePay’s SPayLater. Your customer is the one who needs the Shopee app, which is where they authorise the payment and pick their instalment plan. HitPay charges 2.2% per successful transaction; see the Malaysia pricing page.
Can I use Stripe or Airwallex for SPayLater in Malaysia?
Payment method availability changes, so check what Stripe and Airwallex publish for Malaysia on their own sites before deciding. What HitPay can state is its own published Malaysia BNPL pricing: SPayLater is 2.2% per successful transaction and Atome is 5.5% + RM1, with no setup fee and no monthly fee, and non-card HitPay Balance payouts on T+2 business days. Current rates are on the Malaysia pricing page.
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