{"id":26685,"date":"2025-06-03T15:21:24","date_gmt":"2025-06-03T07:21:24","guid":{"rendered":"https:\/\/paydibs.com\/?p=26685"},"modified":"2025-12-24T11:56:50","modified_gmt":"2025-12-24T03:56:50","slug":"how-to-choose-payment-service-malaysia","status":"publish","type":"post","link":"https:\/\/paydibs.com\/zh\/how-to-choose-payment-service-malaysia\/","title":{"rendered":"Choosing a Payment Service Provider in Malaysia: 7 Key Factors"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"26685\" class=\"elementor elementor-26685\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3eadb8 e-con-full e-flex e-con e-parent\" data-id=\"d3eadb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c813d3d e-con-full e-flex e-con e-child\" data-id=\"c813d3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b4beaf e-con-full e-flex e-con e-child\" data-id=\"1b4beaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa24ee8 elementor-widget elementor-widget-image\" data-id=\"aa24ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/06\/close-up-photovoltaics-factory-expert-conducting-experiments-using-tablet.jpg\" class=\"attachment-full size-full wp-image-26687\" alt=\"guy holding a tablet\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/06\/close-up-photovoltaics-factory-expert-conducting-experiments-using-tablet.jpg 1280w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/06\/close-up-photovoltaics-factory-expert-conducting-experiments-using-tablet-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/06\/close-up-photovoltaics-factory-expert-conducting-experiments-using-tablet-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/06\/close-up-photovoltaics-factory-expert-conducting-experiments-using-tablet-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/06\/close-up-photovoltaics-factory-expert-conducting-experiments-using-tablet-18x10.jpg 18w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f8ec980 elementor-widget elementor-widget-text-editor\" data-id=\"7f8ec980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In Malaysia\u2019s rapidly expanding e-commerce market, selecting and evaluating a suitable payment gateway is an important step for businesses planning their online payment setup. A payment gateway facilitates online payments by securely connecting your website or app with banks and financial institutions. Choosing the wrong gateway can lead to lost sales, frustrated customers, and unnecessary expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide covers the <\/span><b>7 key factors<\/b><span style=\"font-weight: 400;\"> to consider when evaluating payment gateway options in Malaysia, helping you make an informed decision to enhance your online business.<\/span><\/p>\n<h2><b>\u4ec0\u4e48\u662f\u652f\u4ed8\u7f51\u5173\uff1f<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A payment gateway is a technology solution that securely authorizes online payments by encrypting sensitive payment information and transmitting it between customers, merchants, and banks. It acts as a bridge, ensuring money moves from the customer\u2019s bank or credit card to your business account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Without a payment gateway, online transactions wouldn\u2019t be possible, especially for e-commerce sites, subscription services, and apps.<\/span><\/p>\n<h2><b>Why Payment Gateway Evaluation Matters for Businesses<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer Confidence:<\/b><span style=\"font-weight: 400;\"> A trusted, seamless checkout experience reduces cart abandonment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cost Efficiency:<\/b><span style=\"font-weight: 400;\"> Different gateways have varying fees impacting your profit margins.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business Growth:<\/b><span style=\"font-weight: 400;\"> Scalable gateways support business expansion, multiple payment types, and international sales.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Security &amp; Compliance:<\/b><span style=\"font-weight: 400;\"> Ensures your customers\u2019 data is protected, avoiding costly breaches or penalties.<\/span><\/li>\n<\/ul>\n<h2><b>7 Key Factors to Consider When Evaluating Payment Gateways in Malaysia<\/b><\/h2>\n<h3><b>1. Supported Payment Methods<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Malaysia\u2019s payment ecosystem is diverse, driven by the rise of digital payments. Your gateway should support a broad range of popular payment methods to cater to all customers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>FPX (Financial Process Exchange):<\/b><span style=\"font-weight: 400;\"> Malaysia\u2019s national bank transfer system connecting all major banks. Ideal for customers who prefer direct bank payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>DuitNow:<\/b><span style=\"font-weight: 400;\"> Instant real-time transfers via mobile numbers or QR codes, growing fast in popularity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>eWallets:<\/b><span style=\"font-weight: 400;\"> Popular wallets like Boost, GrabPay, and Touch \u2018n Go are widely used for their convenience and rewards programs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit\/Debit Cards:<\/b><span style=\"font-weight: 400;\"> Visa, Mastercard, and local cards remain vital, especially for international buyers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>QR Code Payments:<\/b><span style=\"font-weight: 400;\"> Widely adopted in physical and online stores for contactless payments.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When evaluating a payment gateway, ensure it supports multiple options so customers have their preferred method available.<\/span><\/p>\n<h3><b>2. Transaction Fees and Pricing Structure<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Payment gateways typically charge several types of fees:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Setup Fees:<\/b><span style=\"font-weight: 400;\"> One-time cost to establish your merchant account. Some providers waive this for new businesses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Monthly Fees:<\/b><span style=\"font-weight: 400;\"> Recurring fees for maintaining your account or subscription plans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transaction Fees:<\/b><span style=\"font-weight: 400;\"> Charged per transaction, usually a combination of a fixed fee plus a percentage of the transaction amount (e.g., RM0.50 + 2.5%).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Chargeback Fees:<\/b><span style=\"font-weight: 400;\"> Fees when customers dispute transactions; important to consider if your business has high refund rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Currency Conversion Fees:<\/b><span style=\"font-weight: 400;\"> If accepting international payments, additional fees apply when converting currencies.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Evaluate your typical order size and monthly sales volume to estimate total costs and negotiate where possible.<\/span><\/p>\n<h3><b>3. Integration Compatibility<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The ease of integrating the payment gateway with your existing website or e-commerce platform is vital for smooth operations:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Popular platforms like <\/span><b>Shopify<\/b><span style=\"font-weight: 400;\">, <\/span><b>WooCommerce<\/b><span style=\"font-weight: 400;\">, <\/span><b>Magento<\/b><span style=\"font-weight: 400;\">, and <\/span><b>BigCommerce<\/b><span style=\"font-weight: 400;\"> have plugins or extensions for many gateways.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For custom-built sites, ensure the gateway provides a robust and well-documented <\/span><b>API<\/b><span style=\"font-weight: 400;\"> with developer support.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check for mobile compatibility if you expect mobile shoppers, ensuring the payment process works flawlessly across devices.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Smooth integration reduces technical headaches and improves user experience.<\/span><\/p>\n<h3><b>4. Security &amp; Compliance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Security is non-negotiable when handling online payments. Confirm your payment gateway offers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PCI DSS Compliance:<\/b><span style=\"font-weight: 400;\"> The Payment Card Industry Data Security Standard is essential for protecting cardholder data.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>SSL Encryption:<\/b><span style=\"font-weight: 400;\"> Ensures that sensitive information is encrypted during transmission.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Anti-Fraud Tools:<\/b><span style=\"font-weight: 400;\"> Features like 3D Secure, fraud scoring, and tokenization protect your business and customers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regular Security Updates:<\/b><span style=\"font-weight: 400;\"> Gateways should actively update security protocols to combat evolving threats.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Investing in a secure payment gateway safeguards your reputation and customer trust.<\/span><\/p>\n<h3><b>5. Settlement Speed<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Settlement time is the duration between a successful transaction and the funds being deposited into your bank account:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Faster settlements improve cash flow, essential for small businesses with limited working capital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some gateways offer next-day or even real-time settlements, while others may take 2-5 business days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider your business needs and compare settlement policies before deciding.<\/span><\/li>\n<\/ul>\n<h3><b>6. Customer Support Quality<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Reliable customer support can save your business from downtime and lost revenue:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Look for providers offering <\/span><b>24\/7 support<\/b><span style=\"font-weight: 400;\"> through multiple channels (phone, live chat, email).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Support in <\/span><b>local languages<\/b><span style=\"font-weight: 400;\"> such as Malay or Mandarin can be very helpful.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check reviews or ask other merchants about their experience with the gateway\u2019s customer service.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Good support ensures issues like failed payments or integration glitches get resolved promptly.<\/span><\/p>\n<h3><b>7. User Experience and Checkout Options<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A smooth checkout process directly impacts conversion rates:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offer a <\/span><b>mobile-friendly checkout<\/b><span style=\"font-weight: 400;\"> that works seamlessly on smartphones and tablets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allow <\/span><b>guest checkout<\/b><span style=\"font-weight: 400;\"> without mandatory account creation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Support <\/span><b>multiple currencies<\/b><span style=\"font-weight: 400;\"> if you sell internationally.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Features like <\/span><b>saved payment methods<\/b><span style=\"font-weight: 400;\">, <\/span><b>one-click payments<\/b><span style=\"font-weight: 400;\">, and <\/span><b>local payment options<\/b><span style=\"font-weight: 400;\"> enhance convenience.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimizing redirects to external pages can improve trust and reduce drop-offs.<\/span><\/li>\n<\/ul>\n<h2><b>Tips to Get the Best Payment Gateway Deal<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bundle payment methods:<\/b><span style=\"font-weight: 400;\"> Choose gateways supporting the widest range of local and international options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Negotiate fees:<\/b><span style=\"font-weight: 400;\"> Providers may offer discounts based on your transaction volume or contract length.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Test the gateway:<\/b><span style=\"font-weight: 400;\"> Use sandbox environments to test user experience before going live.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check contract terms:<\/b><span style=\"font-weight: 400;\"> Watch for hidden fees, cancellation policies, or minimum monthly transactions.<\/span><\/li>\n<\/ul>\n<h2><b>\u7ed3\u8bba<\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"text-decoration: underline;\"><span style=\"color: #0000ff; text-decoration: underline;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/zh\/\">Choosing the right payment gateway in Malaysia<\/a><\/span><\/span> involves balancing multiple factors\u2014from supported payment methods and fees to security and customer experience. Focusing on these 7 key areas ensures you select a payment gateway that meets your business needs, delights customers, and supports your growth in 2025 and beyond.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05ee387 elementor-widget elementor-widget-text-editor\" data-id=\"05ee387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>\u5e38\u89c1\u95ee\u9898<\/strong><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a16f5 elementor-widget elementor-widget-n-accordion\" data-id=\"62a16f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"\u624b\u98ce\u7434\u63a7\u4ef6\uff1a\u4f7f\u7528\u56de\u8f66\u952e\u6216\u7a7a\u683c\u952e\u6253\u5f00\uff0c\u4f7f\u7528Esc\u952e\u5173\u95ed\uff0c\u4f7f\u7528\u65b9\u5411\u952e\u5bfc\u822a\u3002\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1030\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1030\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 1. Can I switch payment gateways after launching my online store? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1030\" class=\"elementor-element elementor-element-9d83bfb e-con-full e-flex e-con e-child\" data-id=\"9d83bfb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb90a6f elementor-widget elementor-widget-text-editor\" data-id=\"fb90a6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes, but switching may involve downtime and technical changes. Plan carefully to minimize disruption.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1031\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1031\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 2. Are international payment options necessary for Malaysian SMEs? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-771d471 e-con-full e-flex e-con e-child\" data-id=\"771d471\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-2106c99 e-con-full e-flex e-con e-child\" data-id=\"2106c99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de0459 elementor-widget elementor-widget-text-editor\" data-id=\"8de0459\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"447\" data-end=\"631\"><span style=\"font-weight: 400;\">If you plan to sell overseas, supporting international cards and currencies is important to reach global customers.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1032\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1032\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 3. How do I know if a payment gateway is PCI DSS compliant? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1032\" class=\"elementor-element elementor-element-e364de1 e-con-full e-flex e-con e-child\" data-id=\"e364de1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b2994 elementor-widget elementor-widget-text-editor\" data-id=\"77b2994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"709\" data-end=\"924\"><span style=\"font-weight: 400;\">Most providers display compliance certifications on their website. You can also ask their support team directly.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1033\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1033\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 4. Do payment gateways handle refunds and chargebacks? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1033\" class=\"elementor-element elementor-element-0f6c0cc e-flex e-con-boxed e-con e-child\" data-id=\"0f6c0cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6716794 elementor-widget elementor-widget-text-editor\" data-id=\"6716794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1007\" data-end=\"1190\"><span style=\"font-weight: 400;\">Yes, most gateways have features to process refunds and manage chargebacks, but policies vary.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1034\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1034\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 5. What is 3D Secure, and why does it matter? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1034\" class=\"elementor-element elementor-element-f987a13 e-flex e-con-boxed e-con e-child\" data-id=\"f987a13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4138402 elementor-widget elementor-widget-text-editor\" data-id=\"4138402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">3D Secure is an authentication protocol adding an extra security layer for card payments, reducing fraud and chargebacks.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1035\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1035\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 6. How can I reduce transaction fees? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1035\" class=\"elementor-element elementor-element-2e1a41c e-flex e-con-boxed e-con e-child\" data-id=\"2e1a41c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea1c6e0 elementor-widget elementor-widget-text-editor\" data-id=\"ea1c6e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1560\" data-end=\"1782\"><span style=\"font-weight: 400;\">Negotiate with providers based on your volume, or choose gateways with tiered pricing or no setup fees.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9f6700 elementor-widget elementor-widget-text-editor\" data-id=\"b9f6700\" data-element_type=\"widget\" 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Businesses Use It<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/payment-system-prompt-pay\/\">PromptPay: How Thailand\u2019s Payment System is Used Regionally<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/e-duit-raya\/\">Duit Raya Goes Digital: How eDuit Raya is Changing Celebrations<\/a><\/li>\n<\/ul><\/div><\/div>\n<\/div><div id=\"block-6\" class=\"widget blog-sidebar widget-2 widget_block\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">\u7c7b\u522b<\/h2>\n\n\n<ul class=\"wp-block-categories-list wp-block-categories\">\t<li class=\"cat-item cat-item-158\"><a href=\"https:\/\/paydibs.com\/zh\/category\/media\/\">\u5a92\u4f53<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-37\"><a href=\"https:\/\/paydibs.com\/zh\/category\/news\/\">\u65b0\u95fb<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-157\"><a href=\"https:\/\/paydibs.com\/zh\/category\/payments-fintech\/\">Payments &amp; Fintech<\/a>\n<\/li>\n<\/ul><\/div><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>In Malaysia\u2019s rapidly expanding e-commerce market, selecting and evaluating a suitable payment gateway is an important step for businesses planning their online payment setup. A payment gateway facilitates online payments by securely connecting your website or app with banks and financial institutions. Choosing the wrong gateway can lead to lost sales, frustrated customers, and unnecessary [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":26687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-26685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Choosing a Payment Service Provider in Malaysia: 7 Key Factors<\/title>\r\n<meta name=\"description\" content=\"Learn the key factors to evaluate payment gateways in Malaysia, including fees, security, settlement time, and payment methods, before making a decision.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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