FAQ

    What products and services does Paydibs offer?

    Paydibs delivers a complete cashless payment ecosystem to support merchants in both online and in-store transactions. Our solutions include an online payment gateway, in-store smart terminals such as Neo, payment applications, MiniPos for small businesses.

    Paydibs offers several solutions based on your business needs, such as:

    • Online Payment Gateway
    • E-Commerce Nexus
    • Smart Terminals
    • Mobile App Payment Solutions
    • MiniPos

    Each plan may differ in terms of features, device type, and transaction fees.

    Paydibs supports multiple payment methods including:

    – Credit & Debit Cards
    – FPX Online Banking
    – E-wallets
    – Buy Now Pay Later (BNPL)
    – Cash on Delivery (COD)
    – International Payment Options

    Paydibs 已获得 suitable for:

    • Retailers
    • eCommerce merchants
    • Restaurants & cafes
    • Service providers
    • SMEs and enterprises looking for both online and offline payment solutions

    Business Registration:
    Your business must be officially registered with the local authority. This ensures that your business is legally recognised and compliant with local regulations.

    KYB (Know Your Business) Verification:
    You are required to provide identification documents and business records to verify the identity of the business owner and the nature of the business.”

    Required documents to complete your Paydibs registration process for our Payment Gateway Stacks & 支付应用:

    1. A soft copy of your company’s business registration
    2. A soft copy of the director’s identification card
    3. A soft copy of your latest bank statement
    4. Please note that subject to different subscription packages and certain payment providers’ policies, additional checks or documents may be required.”

    Complete your sign up through the registration page and proceed with the payment. After submitted, your account will be processed for verification by Paydibs and our acquiring bank. We will notify you once your account has been successfully verified.

    For foreign entities, please reach out to Paydibs Sales for assistance.

    Setup fees and device costs may apply depending on the plan selected. Please refer to our pricing page or contact us for the latest pricing details.

    Approval within 1-3 business days (subject to the completion of documentation submission)

    Please note that some payment options may require additional approval from third parties, such as banks or BNPL providers, which could result in a longer approval period.

    International payment options are enabled upon review of your business by the Paydibs team. Paydibs onboarding team can help set this up based on your business needs.

    Paydibs supports a range of international payment options, including Alipay, Dragonpay, KHQR, Prompt Pay, PayNow, VTC and etc. This allows merchants to accept payments from customers outside Malaysia as part of your checkout experience.

    Accepting international payment methods unlocks several benefits:
    • Reach customers in other countries using their preferred wallet or banking apps
    • Reduce checkout friction by offering familiar global payment options
    • Potentially increase conversion rates for cross-border e-commerce
    This is particularly useful for merchants selling products or services to international audiences.

    International payment options are supported across eligible Paydibs packages. Availability may depend on your specific plan and merchant eligibility. Contact Paydibs support for full details.

    Setup fees and device costs may apply depending on the plan selected. Please refer to our pricing page or contact sales for the latest pricing details.

    Is Paydibs PCI DSS compliant?

    Yes. Paydibs is PCI DSS compliant and follows industry security standards to ensure that all card transactions and sensitive payment data are processed securely.

    Paydibs uses multiple layers of security, including:

    • Encrypted communication (HTTPS/SSL)
    • Secure payment processing infrastructure
    • Tokenization where applicable
    • Regulated banking and acquiring partners
    • Continuous monitoring and compliance controls

    Paydibs does not expose or store raw card details. Sensitive card information is securely handled according to PCI DSS standards.

    All customer and transaction data is protected using industry-standard security controls and governed by regulatory and compliance requirements.

    Yes. All Paydibs in-store devices (including standard terminals and Neo) comply with security requirements and use encrypted connections to process transactions safely.

    Paydibs implements security controls and monitoring mechanisms to detect suspicious activities and reduce the risk of fraudulent transactions. Additional fraud prevention tools may be available depending on the payment method and merchant setup.

    Yes. Paydibs supports secure tokenization to enable secure payments without exposing card details.

    For more information, you can refer to Paydibs 政策 on security and compliance.

    What integration options does Paydibs support?
    Paydibs offers several integration paths to fit different business needs, including:
    • Hosted payment page (no coding required)
    • Direct API integration for custom systems and mobile apps
    • Plugins for major eCommerce platforms such as WooCommerce, Magento (both Open Source & Enterprise Cloud Commerce) and EasyStore
    • Mobile SDKs for Android & iOS (coming soon)

    Not always.

    • If you prefer a simple setup, you can use Payment Links or our Hosted Checkout, which require no coding.
    • Developers can use the Paydibs APIs to automate processing and full customisation.

    Yes. Paydibs provides full API documentation for developers, including request formats, authentication, and transaction handling.

    Yes. Developers can test transactions and perform UAT before going live. For E-Commerce merchants, completing UAT is required before go live.

    Paydibs supports any platform that can make HTTPS API calls, including PHP, Node.js, Java, .NET, Python and mobile apps.
    Our hosted checkout works with any modern website or E-Commerce platform.

    API credentials are generated from the Paydibs Merchant Portal once your account is approved.
    These credentials are used to authenticate your system with Paydibs securely. Contact Paydibs support for full details.

    Yes. Paydibs supports real-time webhooks for events such as:

    • Successful payments
    • Failed or rejected transactions

    This helps your system update orders, accounting or notifications instantly.

    Yes. You can:

    • Add your logo to the hosted checkout
    • Pass your own order references, descriptions and metadata via API

    Yes. Refunds can be initiated via the merchant portal or API depending on your integration setup.

    Yes. Some payment channels require additional parameter configuration. For example, Cash on Delivery (COD) may need extra setup. For more details, please refer to the Pay Request section in the API documentation.

    How long does it take to receive my settlement?
    Settlements are processed three times a week. If a settlement day falls on a public holiday, it will be process on the next working day. The payout schedule is 如下:
     
    E-Commerce Payment Solutions
    • Tuesday Payout: Transactions from Friday, Saturday & Sunday
    • Wednesday Payout: Transactions from Monday & Tuesday
    • Friday Payout: Transactions from Wednesday & Thursday
    In-Store Payment Solutions
    • Monday Payout: Transactions from Friday & Saturday
    • Wednesday Payout: Transactions from Sunday & Monday
    • Friday Payout: Transactions from Tuesday, Wednesday & Thursday

    All settlements are transferred directly into your registered business bank account provided during onboarding.

    Transaction fees (MDR), service fees, and device-related charges may apply depending on your selected plan. Full fee details will be shared during onboarding and stated in your merchant agreement.

    Different payment methods may have varying settlement timelines depending on partner processing. For example:

    • Buy Now Pay Later (BNPL) services: Ahapay
    • Cash on Delivery (COD)
    • International payments: May take longer due to currency conversion and cross-border processing

    For more details or to check your specific account setup, please reach out to the Paydibs Support or Sales team.

    You can view and download your settlement and transaction reports from the Paydibs merchant portal in real time.

    Refunded or successfully chargeback transactions will be deducted from your future settlements according to the chargeback and refund processing timeline and policy.

    A chargeback occurs when a customer disputes a transaction through their bank. The disputed amount may be temporarily withhold from your settlement while the investigation is ongoing.

    Yes. You can request to update your settlement bank account by contacting Paydibs support. Verification documents will be required for security purposes.

    Paydibs provides detailed transaction and settlement reports that allow merchants to reconcile payouts against individual transactions easily.

    What is the Paydibs Merchant Portal?

    Paydibs Merchant Portal is your central dashboard where you can view and manage all payment-related activities, including transactions, settlements, analytics, reports, and product settings — all in one place.

    Once you log in, the home page provides:
    – Account balance and payment overview
    – Payment volume and transaction count for selected date ranges
    – Analytics and charts showing performance insights
    – Recent activity including payments, settlements, and refunds
    These insights help you monitor and optimise your business performance.

    Yes. The portal offers detailed analytics, such as:
    – Successful vs failed payments
    – Filters by date (daily, weekly, monthly)
    – Breakdown by payment method
    This helps you understand trends and payment behaviour

    A Void Transaction allows merchants to cancel a payment. It is applicable only for same-day transactions and only for supported payment channels.

    Yes. You can issue, track and review the refund history directly from the portal. Only full refund will be supported.

    You can update your business details (such as company name, address, settlement banking detail or contact person) by contacting Paydibs support. Supporting documents may required.

    Yes. The E-Commerce Merchant Portal allows admin user to manage users and assign roles with different access levels (e.g. admin, finance, ops only). Access control ensures secure and appropriate permissions for your team.

    User permissions can be configured to allow access to:
    – Transaction reports
    – Settlement and payout information
    – Refund processing
    – Account settings and profile management
    This helps ensure only authorized users can access sensitive functions.

    For account updates, access issues, or general enquiries, you can contact Paydibs customer support through the official support channels provided during onboarding.

    Plans & Services

    A. E-Commerce Solution – Payment Gateway

    What’s the difference between Paydibs Nexus & Payment Gateway Stack?

    Paydibs Nexus is an all-in-one e-commerce suite designed especially for merchants who want to start selling online quickly without heavy technical setup. It includes not just a payment gateway but also the online storefront and e-commerce setup itself — and Paydibs assists with the configuration, product listings, and payment integration so businesses can go live faster with minimal tech skills.

    Payment Gateway Stack is a pure payment acceptance solution. It provides a robust online payment gateway that merchants integrate into their own websites or apps to securely accept payments like Cards, FPX & online banking, E-wallets and QR payments, Buy Now Pay Later, International payment methods

    Unlike Nexus, the Payment Gateway Stack does not include storefront creation, hosted checkout, or a store management suite. It’s intended for merchants who already have their own online presence or app and simply need a scalable payment processing engine integrated.

    Paydibs Online Payment Gateway supports a wide range of payment methods, including:

    • Credit and debit cards (Visa, Mastercard)
    • FPX网上银行
    • DuitNow QR
    • E-wallets
    • Buy Now Pay Later (BNPL) services
    • Cash on Delivery (COD)
    • International payment methods

    Paydibs Online Payment Gateway complies with PCI-DSS security standards and uses encrypted connections to protect all payment data and transactions.

    Yes. The Online Payment Gateway supports selected international payment methods and currencies, subject to approval and business requirements.

    How do I monitor my transactions and sales performance?

    Merchants can view real-time transaction data, settlement reports, and downloadable statements through the Paydibs merchant portal.

    Fees may include setup fees, transaction fees (MDR), and service fees depending on your selected plan. Full pricing details are provided during onboarding.

    1. Click login to Paydibs E-Commerce Merchant Dashboard.
    2.  Next, insert your username (registered email) and your password.
    3. Click “Login”.

    B. In-Store Solution – Payment Terminals

    What are the Paydibs in-store payment terminals?

    Paydibs in-store payment terminals are devices that allow merchants to accept cashless payments in physical stores. These include:

    • Paydibs Neo (Payment Soundbox)
    • Standard Payment Terminal

    Each terminal is designed to meet different business needs based on payment method acceptance and store setup.

    Paydibs Neo is a payment soundbox device which provides instant voice notifications when a payment is successfully received, allowing merchants to confirm payments without checking a screen or mobile phone.

    Paydibs Terminal supports a wide range of payment methods, including:

    • Credit & debit cards (Visa, Mastercard)
    • Contactless (NFC)
    • DuitNow QR
    • E-wallets
    • Buy Now Pay Later (BNPL) services

    When a customer completes a QR or e-wallet payment, Paydibs Neo announces the payment amount and confirmation through voice notification. This helps merchants avoid missed payments and reduces the need to manually verify transactions on a phone or app.

    Yes. All Paydibs in-store devices follow PCI-DSS security standards and use encrypted connections to ensure transactions are processed securely.

    Yes. Paydibs Neo supports Wi-Fi and SIM-based mobile data, allowing it to operate reliably in busy retail environments.

    Can I use multiple terminals or Neo devices for my business?

    Yes. Merchants can deploy multiple Paydibs Neo or standard terminals across different outlets and manage transactions centrally through the Paydibs merchant portal.

    Choose Paydibs Neo if you prefer:
    • Audio payment confirmation for faster and more convenient service
    • E-receipts instead of printed receipts
    • A compact, soundbox-style device for quick over-the-counter transactions
    Choose the standard 支付终端 if you prefer:
    • Physical printed receipts for customers or record keeping
    • A traditional terminal experience with screen and keypad

    Yes. The standard Paydibs payment terminal can integrate with selected POS systems to provide a seamless checkout flow between your POS and payment device.

    Integration availability for the standard terminal depends on your POS provider and technical setup.

    Once your application is approved, terminal deployment typically takes 3 to 7 working days, depending on documentation completion and delivery arrangements.

    You can apply through the Paydibs website or by contacting the Paydibs sales team. Our onboarding team will guide you through documentation, setup, and deployment.

    1. Login to Paydibs In-Store Merchant Dashboard.
    2. Next, insert your username (registered email) and your password.
    3. Click “Login”.

    B. In-Store Solution – Paydibs Pay App

    What is Paydibs Pay mobile app?

    Paydibs Pay mobile app is a mobile-based payment solution that allows merchants to accept payments directly using their smartphones or tablets—without the need for a physical payment terminal.

    Paydibs Pay supports multiple payment methods, including:

    • DuitNow QR
    • E-wallets
    • Buy Now Pay Later (BNPL) services

    Yes. You can view your transactions in real time through the app, allowing you to track payments and monitor your business activity instantly.

    How do I sign up for Paydibs Pay?

    Complete your sign up through the registration page and proceed with the payment. After submitted, your account will be processed for verification by Paydibs and our acquiring bank. We will notify you once your account has been successfully verified.

    Yes. Merchants can log in to Paydibs Pay on multiple supported devices, subject to user access and security controls set in the Merchant Portal.

    Paydibs Pay supports the following devices:

    • Smartphones: Available on Android and iOS (via Google Play Store and Apple App Store)
    • Payment terminals: Compatible with supported Paydibs payment terminal devices

    This allows merchants to operate Paydibs Pay across mobile devices and in-store hardware based on their business needs.

    B. In-Store Solution – Mini POS

    What is the Paydibs Mini POS?

    Paydibs Mini POS is a compact and portable payment device designed for small businesses and mobile merchants. It enables you to accept cashless payments easily without the need for bulky POS systems or complex setups.

    Mini POS comes with 2 features – Product Management & Table Arrangement.
    • Product Management feature allows merchants to create, edit, and organize items/products within the app for efficient inventory management.
    • Table Arrangement feature allows merchants to set up virtual tables inside the Paydibs Pay app to manage dine-in orders. It also includes Split Bill, enabling customers at the same table to pay individually or share the bill conveniently.

    The Mini POS is ideal for:

    • Small retail shops
    • Cafes and food stalls
    • Pop-up stores and events
    • Service providers
    • Home-based and mobile businesses

    It is designed for merchants who need a simple and affordable way to accept cashless payments.

    The Mini POS supports multiple payment methods, including:

    • DuitNow QR
    • E-wallets
    • Buy Now Pay Later (BNPL) services

    Is the Mini POS easy to set up and use?

    Yes. The Mini POS is plug-and-play and designed for ease of use. Once activated, merchants can start accepting payments.

    Yes. The Mini POS is portable and can be used across different locations, making it suitable for mobile businesses, events, and temporary setups.

    Key features include:

    • Fast and secure payment processing
    • Support for multiple cashless payment methods
    • Simple user interface
    • Transaction and settlement reporting via merchant portal
    • Reduced hardware and setup costs

    Once your application is approved, Mini POS deployment typically takes 3 to 7 working days, depending on documentation and delivery arrangements.

    You can apply through the Paydibs website or by contacting the Paydibs sales team. Our onboarding team will guide you through the registration, documentation, and setup process.

    我们的合作伙伴 :

    AMOSYS logo
    Paydee logo
    Findbulous logo
    BSN logo
    ARMS logo
    Paydibs Official Footer Logo

    Paydibs 是一家领先的支付解决方案 提供商，致力于简化各种规模企业 的交易流程。

    All Certifications Paydibs Payment Gateway Having. From Bank Negara Malaysia, PayNet, PCI-DSS Certified, 2026 List, Malaysia Digital, PIKOM, MRCA and more

    我们的方案

    公司

    联系我们

    Facebook-square X-twitter Instagram Linkedin Youtube
    1
    Paydibs
    提供支持  GDPR Cookie Compliance
    隐私概览

    本网站使用 Cookie 以提供最佳的用户体验。Cookie 信息存储在您的浏览器中，并执行诸如在您返回网站时识别您的身份，以及帮助我们的团队了解您认为最有趣和有用的网页部分等功能。