{"id":27762,"date":"2025-10-21T11:00:03","date_gmt":"2025-10-21T03:00:03","guid":{"rendered":"https:\/\/paydibs.com\/?p=27762"},"modified":"2026-02-06T14:10:46","modified_gmt":"2026-02-06T06:10:46","slug":"bnpl-business-opportunities-risk-strategies","status":"publish","type":"post","link":"https:\/\/paydibs.com\/zh\/bnpl-business-opportunities-risk-strategies\/","title":{"rendered":"BNPL Business in Malaysia: Opportunities, Risks &#038; Strategies"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"27762\" class=\"elementor elementor-27762\">\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=\"1920\" height=\"1080\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/10\/bnpl-business-in-malaysia-opportunities-risks-strategies-for-2025.jpg\" class=\"attachment-full size-full wp-image-27916\" alt=\"A girl in yellow shirt holding card and phone smiling happily for instalment application\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/10\/bnpl-business-in-malaysia-opportunities-risks-strategies-for-2025.jpg 1920w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/10\/bnpl-business-in-malaysia-opportunities-risks-strategies-for-2025-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/10\/bnpl-business-in-malaysia-opportunities-risks-strategies-for-2025-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/10\/bnpl-business-in-malaysia-opportunities-risks-strategies-for-2025-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/10\/bnpl-business-in-malaysia-opportunities-risks-strategies-for-2025-1536x864.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/10\/bnpl-business-in-malaysia-opportunities-risks-strategies-for-2025-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\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>Buy Now, Pay Later (BNPL) in Malaysia is growing rapidly and projected to surpass <strong data-start=\"248\" data-end=\"264\">RM20 billion<\/strong> in transaction value by 2030, based on market estimates from industry research. Leading providers such as <strong data-start=\"373\" data-end=\"408\">Atome, SPayLater, Grab PayLater<\/strong>, and <strong data-start=\"414\" data-end=\"435\">PayLater Malaysia<\/strong> are driving this expansion, offering flexible payment options that boost <strong data-start=\"509\" data-end=\"532\">average order value<\/strong>, reduce <strong data-start=\"541\" data-end=\"561\">cart abandonment<\/strong>, and support <strong data-start=\"575\" data-end=\"597\">customer retention<\/strong>.<\/p><p>However, businesses adopting BNPL must also manage potential risks, including <strong data-start=\"677\" data-end=\"688\">default<\/strong>, <strong data-start=\"690\" data-end=\"716\">operational complexity<\/strong>, and <strong data-start=\"722\" data-end=\"744\">regulatory changes<\/strong>. The upcoming Consumer Credit Act 2025 is expected to introduce licensing and compliance requirements on BNPL operators in Malaysia, marking a pivotal step toward a more structured and accountable BNPL ecosystem.<\/p><h2><strong>What Is BNPL and How Does It Work from a Merchant\u2019s Perspective?<\/strong><\/h2><p>BNPL lets merchants offer instalment-based payment options while getting paid upfront by providers.<br \/>Customers purchase a product and pay later in instalments. The <span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/zh\/bnpl-buy-now-pay-later\/\">BNPL<\/a><\/strong><\/span><\/span> provider pays the merchant the full amount (minus fees) and collects instalments from the customer. Providers use behavioural or credit checks to approve customers. Merchants benefit from upfront payment without bearing direct credit risk.<\/p><h2><strong>Why Adopt BNPL for Your Business? What Are the Benefits?<\/strong><\/h2><p>BNPL drives sales, lifts average order value, and attracts cost-sensitive customers.<\/p><ul><li><strong>Reduce cart abandonment<\/strong>: Customers are more likely to complete purchases with flexible payment options.<\/li><li><strong>Increase order size<\/strong>: Customers tend to spend more per transaction when they can split payments.<\/li><li><strong>Expand market reach<\/strong>: Young consumers and first-time buyers prefer BNPL over credit cards.<\/li><li><strong>Encourage repeat business<\/strong>: Flexible financing fosters brand loyalty.<\/li><\/ul><p><strong>\u5ef6\u4f38\u9605\u8bfb<\/strong>: <span style=\"text-decoration: underline; color: #0000ff;\"><strong><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/zh\/bnpl-small-businesses\/\">BNPL \u5982\u4f55\u52a9\u529b\u5c0f\u578b\u4f01\u4e1a\u63d0\u5347\u9500\u552e\u989d<\/a><\/strong><\/span><\/p><h2><strong>What Are the Major BNPL Players in Malaysia and How Do They Compare?<\/strong><\/h2><p><span style=\"font-weight: 400;\">Atome, SPayLater, and Grab PayLater dominate, but newer players like PayLater Malaysia offer niche advantages.<\/span><\/p><table><tbody><tr><td><p style=\"text-align: center;\"><b>Provider<\/b><\/p><\/td><td style=\"text-align: center;\"><p><b>Best For<\/b><\/p><\/td><td style=\"text-align: center;\"><p><b>Key Features<\/b><\/p><\/td><td style=\"text-align: center;\"><p><b>Pros<\/b><\/p><\/td><td style=\"text-align: center;\"><p><b>Cons<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Atome<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Fashion &amp; lifestyle brands<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3-month interest-free instalments<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Widely accepted, strong brand appeal<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Shorter tenure options only<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">SPayLater (Shopee)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Shopee-based businesses<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Up to 24-month plans integrated with Shopee<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">High user base, seamless Shopee integration<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Limited outside Shopee ecosystem<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Grab PayLater<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Omni-channel businesses<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Flexible plans like 4, 8 &amp; 12, pay-later or monthly instalment<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Ecosystem integration (Grab, Food, Pay)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Approval process can be strict<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">PayLater Malaysia<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Electronics &amp; big-ticket items<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Longer tenures (up to 36 months)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Local-focused, transparent pricing<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Smaller brand presence<\/span><\/p><\/td><\/tr><\/tbody><\/table><p><strong>Source<\/strong>: Compiled from official provider websites (Atome, Shopee SPayLater, Grab PayLater, PayLater Malaysia).<\/p><h2><strong>What Are the Risks and Challenges When Running a BNPL Business?<\/strong><\/h2><p><span style=\"font-weight: 400;\">BNPL can strain operations if risks are not properly managed.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Default Risk<\/b><span style=\"font-weight: 400;\">: Customers may fail to repay instalments, especially with long tenures.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Integration Overhead<\/b><span style=\"font-weight: 400;\">: BNPL needs seamless tech integration with POS and ecommerce systems.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cash Flow Mismatch<\/b><span style=\"font-weight: 400;\">: Merchants receive funds upfront, but may bear chargebacks or refund exposure.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fraud and Abuse<\/b><span style=\"font-weight: 400;\">: Opportunistic users can exploit weak checks.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer Support Load<\/b><span style=\"font-weight: 400;\">: Managing BNPL disputes adds operational cost.<\/span><\/li><\/ul><h2><strong>How Will Regulation in Malaysia Shape the Future of BNPL?<\/strong><\/h2><p>The Consumer Credit Act 2025, which has been passed by Parliament and is expected to be gazetted by the end of 2025, will introduce new licensing, disclosure, and lending requirements for credit-related businesses once it comes into effect.<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>BNPL providers will be required to obtain licences<\/b><span style=\"font-weight: 400;\"> to operate legally in Malaysia.<\/span><\/li><li><b>Lending and credit practices<\/b><span style=\"font-weight: 400;\"> will need to align with standards of fair treatment, transparency, and responsible lending.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest and fee models<\/b><span style=\"font-weight: 400;\"> (such as flat-rate calculations and the Rule of 78) will be subject to clearer disclosure requirements to prevent misleading representations.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consumer capacity assessments<\/b><span style=\"font-weight: 400;\"> will likely become mandatory before loan or instalment approvals.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Penalties for non-compliance<\/b><span style=\"font-weight: 400;\"> may include fines, suspension, or revocation of licences once enforcement begins.<\/span><\/li><\/ul><p><b>\u5ef6\u4f38\u9605\u8bfb<\/b><span style=\"font-weight: 400;\">: <\/span><span style=\"color: #0000ff;\"><strong><span style=\"text-decoration: underline;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/zh\/bnpl-new-regulation-2025-malaysia\/\">BNPL \u7684\u5174\u8d77\u9047\u4e0a\u76d1\u7ba1\uff1a\u9a6c\u6765\u897f\u4e9a\u65b0\u4fe1\u8d37\u6cd5\u5982\u4f55\u6539\u53d8\u683c\u5c40<\/a><\/span><\/strong><\/span><\/p><h2><strong>How to Evaluate and Choose a BNPL Provider for Your Business<\/strong><\/h2><p><span style=\"font-weight: 400;\">Choose based on cost, integration, sector relevance, and risk-sharing model.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fees &amp; Margins<\/b><span style=\"font-weight: 400;\">: Understand transaction fees, merchant service charges.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer Experience<\/b><span style=\"font-weight: 400;\">: Ensure smooth UX to boost uptake.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Platform Compatibility<\/b><span style=\"font-weight: 400;\">: Must integrate with your checkout, POS, and accounting.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Support &amp; Dispute Resolution<\/b><span style=\"font-weight: 400;\">: Review SLAs and merchant support.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Risk Management<\/b><span style=\"font-weight: 400;\">: Who bears the risk, how are refunds handled?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory Readiness<\/b><span style=\"font-weight: 400;\">: Choose providers complying with the new credit regulations.<\/span><\/li><\/ul><h2><strong>Step-by-Step Implementation Checklist<\/strong><\/h2><p><span style=\"font-weight: 400;\">A clear roadmap to help merchants implement BNPL in 2025.<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Feasibility analysis<\/b><span style=\"font-weight: 400;\">: Estimate ROI based on current Average Order Value (AOV) and conversion rate.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Provider selection<\/b><span style=\"font-weight: 400;\">: Compare providers&#8217; pricing, user experience (UX), sector focus.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Integration setup<\/b><span style=\"font-weight: 400;\">: Configure ecommerce\/POS with provider plugin or API.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Staff training<\/b><span style=\"font-weight: 400;\">: Ensure teams understand workflows, refunds, and support.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Go live &amp; promote<\/b><span style=\"font-weight: 400;\">: Display BNPL options clearly on site and in-store.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Monitor metrics<\/b><span style=\"font-weight: 400;\">: Track take-rate, uplift, default rate, and customer feedback.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory compliance<\/b><span style=\"font-weight: 400;\">: Prepare for audits, disclosures, and documentation under CCA 2025.<\/span><\/li><\/ol><h2><strong>Conclusion: Is BNPL Right for Your Business?<\/strong><\/h2><p><span style=\"font-weight: 400;\">For many Malaysian businesses, BNPL is a strategic growth tool. But success requires choosing the right provider, managing costs, and preparing for regulatory shifts. Done right, it offers a win-win for both merchants and consumers.<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019re exploring BNPL or want a secure way to accept multiple payment methods, consider <\/span><b>Paydibs<\/b><span style=\"font-weight: 400;\"> as your trusted <\/span><span style=\"color: #0000ff;\"><strong><span style=\"text-decoration: underline;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/zh\/bnpl-buy-now-pay-later\/\">\u652f\u4ed8\u7ec8\u7aef<\/a><\/span><\/strong><\/span><span style=\"font-weight: 400;\"> partner to simplify integration and grow with confidence.<\/span><\/p><p><b>\u6cd5\u5f8b\u514d\u8d23\u58f0\u660e\uff1a <\/b><span style=\"font-weight: 400;\">\u672c\u7f51\u7ad9\u4e0a\u663e\u793a\u7684\u6240\u6709\u54c1\u724c\u540d\u79f0\u3001\u5546\u6807\u548c\u5fbd\u6807\u5747\u4e3a\u5176\u5404\u81ea\u6240\u6709\u8005\u7684\u77e5\u8bc6\u4ea7\u6743\u3002\u6b64\u5904\u4f7f\u7528\u8fd9\u4e9b\u5185\u5bb9\u4ec5\u7528\u4e8e\u8bc6\u522b\u76ee\u7684\uff0c\u4e0d\u4ee3\u8868\u5df2\u83b7\u5f97\u6240\u6709\u8005\u7684\u4e66\u9762\u540c\u610f\u6216\u4e0e\u5176\u6709\u76f4\u63a5\u5173\u8054\u3002<\/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><b>Frequently Asked Questions About BNPL<\/b><\/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\"> What is BNPL and how does it differ from credit cards? <\/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;\">BNPL offers short-term, interest-free instalments with fewer approval requirements compared to credit cards. It appeals especially to younger consumers and those without traditional credit access.<\/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\"> Can any merchant use BNPL in Malaysia? <\/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><span style=\"font-weight: 400;\">Yes, most BNPL providers accept applications from SMEs, subject to industry and integration compatibility.<\/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\"> How much does BNPL cost merchants? <\/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><span style=\"font-weight: 400;\">Merchant fees range from 2% to 6% per transaction, depending on transaction volume and risk profile.<\/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\"> Who bears the risk in BNPL transactions? <\/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><span style=\"font-weight: 400;\">Typically the BNPL provider, though some models involve shared liability or clawbacks.<\/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\"> Will BNPL be regulated in Malaysia? <\/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;\">BNPL is expected to come under regulation once the <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.parlimen.gov.my\/files\/billindex\/pdf\/2025\/DR\/DR%2014-BI.pdf\" rel=\"nofollow\"><b>Consumer Credit Act 2025 (CCA 2025)<\/b><\/a><\/span><span style=\"font-weight: 400;\"> takes effect. The Act will introduce <\/span><b>licensing and compliance requirements<\/b><span style=\"font-weight: 400;\"> for BNPL providers to ensure responsible lending and consumer protection.<\/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\"> What KPIs should I track after adopting BNPL? <\/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><span style=\"font-weight: 400;\"><strong>Key metrics<\/strong>: BNPL take-rate, average order value uplift, default rate, and net ROI from BNPL sales<\/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\" 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>\u5206\u4eab\uff1a<div class=\"addtoany_shortcode\"><div class=\"a2a_kit a2a_kit_size_32 addtoany_list\" data-a2a-url=\"https:\/\/paydibs.com\/zh\/bnpl-business-opportunities-risk-strategies\/\" data-a2a-title=\"BNPL Business in Malaysia: Opportunities, Risks &amp; Strategies\"><a class=\"a2a_button_facebook\" href=\"https:\/\/www.addtoany.com\/add_to\/facebook?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fbnpl-business-opportunities-risk-strategies%2F&amp;linkname=BNPL%20Business%20in%20Malaysia%3A%20Opportunities%2C%20Risks%20%26%20Strategies\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><a class=\"a2a_button_x\" href=\"https:\/\/www.addtoany.com\/add_to\/x?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fbnpl-business-opportunities-risk-strategies%2F&amp;linkname=BNPL%20Business%20in%20Malaysia%3A%20Opportunities%2C%20Risks%20%26%20Strategies\" title=\"X\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><a class=\"a2a_button_linkedin\" href=\"https:\/\/www.addtoany.com\/add_to\/linkedin?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fbnpl-business-opportunities-risk-strategies%2F&amp;linkname=BNPL%20Business%20in%20Malaysia%3A%20Opportunities%2C%20Risks%20%26%20Strategies\" title=\"LinkedIn\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b669b4d e-con-full e-flex e-con e-child\" data-id=\"b669b4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87a6368 e-con-full e-flex e-con e-child\" data-id=\"87a6368\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c0dddc elementor-widget elementor-widget-sidebar\" data-id=\"7c0dddc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"block-3\" 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\">\u8fd1\u671f\u6587\u7ae0<\/h2>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/how-pos-terminal-works\/\">POS Terminal Malaysia: How It Works and Which 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<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/paydibs-introduces-cod-that-unifies-payment-and-shipment-in-one-seamless-flow\/\">Paydibs Introduces COD That Unifies Payment and Shipment in One Seamless Flow<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/tax-reporting-payment-gateway-records\/\">Tax Reporting: How Payment Gateway Transaction Records Support<\/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; 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