Quick Answer: Malaysian businesses can create and send payment links using HitPay — no website or coding required. Each link supports 50+ payment methods including DuitNow QR, FPX, Touch 'n Go, GrabPay, ShopeePay, Boost, and Visa/Mastercard cards. Funds settle to the merchant's HitPay Balance within T+2 Calendar Days for domestic e-wallet and QR transactions.

Malaysia's digital payments landscape has expanded rapidly. Statista Malaysia e-commerce data shows the Malaysian e-commerce market generating billions in annual revenue, with mobile wallet adoption continuing to accelerate across the Klang Valley and beyond. Yet many SMBs — from Bangsar boutiques to Johor Bahru food businesses — still chase payments manually via bank transfer, then spend time reconciling screenshots and messages.

Payment links close that gap. A payment link is simply a URL that opens a hosted checkout page, which you can share over WhatsApp, Instagram DM, email, or SMS. The customer pays using their preferred method — all without you needing a terminal, website integration, or any coding.

This is particularly useful for service businesses, home-based sellers, freelancers, and event operators who need a fast, reliable way to collect payments in MYR.

What Is a Payment Link and How Does It Work for Malaysian Businesses?

A payment link is a shareable URL that directs a customer to a secure checkout page. The merchant sets the amount, adds an optional description or reference, and sends the link through any messaging or communication channel.

The customer opens the link, selects their preferred payment method, and completes the transaction. The merchant receives a confirmation and the funds settle to their bank account.

For Malaysian businesses, the key advantage is flexibility. A Petaling Jaya tutoring centre can send a payment link for a monthly fee directly via WhatsApp. A Bukit Bintang event organiser can include a payment link in a booking confirmation email. Neither requires a physical terminal or a fully built e-commerce store.

Payment links also support invoice payment workflows — attaching a link to a PDF invoice is one of the most common use cases among Malaysian B2B service providers.

What Payment Methods Can Malaysian Customers Use via a Payment Link?

The value of a payment link depends entirely on which methods customers can pay with. A link that only accepts credit cards will lose sales from customers who primarily use e-wallets.

HitPay payment links in Malaysia support the following methods:

Bank and QR transfers - DuitNow QR — the national QR standard, accepted across all major Malaysian banks - FPX (Financial Process Exchange) — direct bank transfer from 30+ Malaysian banks

E-wallets - Touch 'n Go eWallet - GrabPay - ShopeePay - Boost

Cards - Visa, Mastercard (credit and debit)

Buy Now, Pay Later (BNPL) - Atome, Grab PayLater, SPayLater — letting customers split purchases into instalments

Cross-border (international customers paying Malaysian merchants) - PayNow (Singapore), QRIS (Indonesia), PromptPay and TrueMoney (Thailand), LINE Pay (Thailand), QR Ph (Philippines), Alipay+, WeChat Pay, KakaoPay/PayCo/LINE Pay (South Korea)

Cross-border payment methods require activation through HitPay's partner providers, which takes 3–5 business days after submission. Domestic transactions settle the next business day in MYR; cross-border transactions settle at T+2.

For a detailed breakdown of Malaysian gateway options beyond payment links, the Stripe alternatives Malaysia comparison covers the major platforms operating in the market.

How Do You Create a Payment Link with HitPay in Malaysia?

HitPay payment links are created from the merchant dashboard — no developer involvement needed. The process follows these steps:

1. Sign up for a HitPay account at hitpayapp.com — free, no setup fee, approval in 1–3 business days

2. Complete business verification as required under Bank Negara Malaysia regulations for licensed payment service providers

3. Log in to the HitPay merchant dashboard

4. Navigate to Payment Links and select Create Payment Link

5. Enter the amount in MYR, a description (e.g. "June tutoring fee" or "deposit — catering booking"), and any customer reference fields needed

6. Set whether the link is single-use or multi-use (for recurring or repeated transactions)

7. Copy the generated URL

8. Share via WhatsApp, email, SMS, Instagram, or embed in an invoice

The checkout page is hosted by HitPay and is PCI DSS compliant — the merchant never handles raw card data.

There are no monthly fees or setup fees. Businesses pay a per-transaction rate only. For current pricing, see hitpayapp.com/pricing.

What Are the Practical Use Cases for Payment Links in Malaysia?

Payment links are not limited to one business type. Across Malaysia, they support a wide range of transaction scenarios:

Home-based and social commerce sellers — A KLCC-area home baker selling on Instagram can post a payment link in their bio or send it per order via WhatsApp. Customers pay via Touch 'n Go or FPX without the seller needing any physical infrastructure.

Service and appointment businesses — A Bangsar personal trainer or freelance consultant can send a payment link alongside a booking confirmation. The customer pays before the session; the trainer receives funds the next business day.

Events and ticketing — A Johor Bahru community event organiser can create a fixed-amount payment link and distribute it across Telegram groups. Each payment is tracked individually in the HitPay dashboard.

B2B invoicing — Businesses that issue invoices can append a payment link to each invoice PDF, giving clients the option to pay by FPX or card rather than manual bank transfer. This reduces the reconciliation burden and speeds up cash collection.

For businesses managing repeat customers, recurring billing in Malaysia is a related feature that automates scheduled payment collection — distinct from one-off payment links but built on the same infrastructure.

How Do Payment Links Compare Against Other Checkout Options?

Malaysian businesses have several tools available for accepting payments remotely. The right choice depends on transaction volume, customer type, and technical resources.

Payment links occupy the fastest and lowest-friction position in this stack. They require no technical integration and no upfront investment — making them the default starting point for new or growing Malaysian SMBs.

Takeaway

For Malaysian businesses collecting payments outside of a physical store or built e-commerce site, payment links are the most practical and lowest-cost option available. The combination of DuitNow QR, FPX, major e-wallets, and card support means customers pay using methods they already use daily — without friction at checkout. Setting up takes minutes, payouts settle next business day in MYR, and there are no monthly fees to maintain.

Frequently Asked Questions