{"id":28183,"date":"2025-12-08T12:00:22","date_gmt":"2025-12-08T04:00:22","guid":{"rendered":"https:\/\/paydibs.com\/?p=28183"},"modified":"2025-12-08T11:28:35","modified_gmt":"2025-12-08T03:28:35","slug":"how-payment-gateway-works","status":"publish","type":"post","link":"https:\/\/paydibs.com\/zh\/how-payment-gateway-works\/","title":{"rendered":"How A Payment Gateway Works (Malaysia SME Guide)"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"28183\" class=\"elementor elementor-28183\">\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\/12\/how-a-payment-gateway-works-malaysia-sme-guide.jpg\" class=\"attachment-full size-full wp-image-28184\" alt=\"A person holding pink credit or debit card to fill up the online payment information needed.\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/how-a-payment-gateway-works-malaysia-sme-guide.jpg 1920w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/how-a-payment-gateway-works-malaysia-sme-guide-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/how-a-payment-gateway-works-malaysia-sme-guide-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/how-a-payment-gateway-works-malaysia-sme-guide-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/how-a-payment-gateway-works-malaysia-sme-guide-1536x864.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/how-a-payment-gateway-works-malaysia-sme-guide-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><em><strong>\u514d\u8d23\u58f0\u660e<\/strong>: This article is for informational and educational purposes only. It does not constitute financial, legal, or technical advice. References to any brands or gateways do not imply endorsement unless stated otherwise.<\/em><\/p><p><span style=\"font-weight: 400;\">Each time a customer taps \u201cPay Now,\u201d multiple systems interact silently to approve, authenticate, and settle the payment. This seamless experience is made possible by one technology: the payment gateway.<\/span><\/p><p><span style=\"font-weight: 400;\">In Malaysia\u2019s digital economy, the gateway has become an essential infrastructure layer for SMEs transitioning online. It securely transmits payment data between banks and customers, ensuring that every ringgit moves safely. With Bank Negara Malaysia prioritising <\/span><b>greater e-payment adoption<\/b><span style=\"font-weight: 400;\"> (<\/span><a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/17493532\/ar2024_en_ch1e.pdf\" target=\"_blank\" rel=\"nofollow noopener\"><span style=\"font-weight: 400;\"><strong>Malaysians made<\/strong> <\/span><b>~409<\/b> <strong>e-payments<\/strong><b> per capita in 2024<\/b><\/a><span style=\"font-weight: 400;\">) <\/span><b>while keeping access to cash<\/b><span style=\"font-weight: 400;\">, understanding how a payment gateway works is now fundamental for every business owner. (Source: Bank Negara Malaysia, Annual Report 2024)<\/span><\/p><h2><b>What Is a Payment Gateway?<\/b><\/h2><p><span style=\"font-weight: 400;\">A payment gateway is a secure digital intermediary that transmits payment data between the customer, the merchant, and the banking networks involved. It verifies card information, authorises transactions, and confirms whether the payment has been approved or declined.<\/span><\/p><p><span style=\"font-weight: 400;\"><em><strong><img decoding=\"async\" class=\"alignnone wp-image-28187 size-full\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/payment-gateway-malaysia-illustration-image.jpg\" alt=\"An illustration image showing screen monitor and card indicating payment gateway\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/payment-gateway-malaysia-illustration-image.jpg 1920w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/payment-gateway-malaysia-illustration-image-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/payment-gateway-malaysia-illustration-image-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/payment-gateway-malaysia-illustration-image-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/payment-gateway-malaysia-illustration-image-1536x864.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/12\/payment-gateway-malaysia-illustration-image-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/strong><\/em><\/span><\/p><p><span style=\"font-weight: 400;\">For Malaysian SMEs, a payment gateway acts like a virtual <\/span><span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/paydibs.com\/zh\/payment-terminal\/\"><span style=\"font-weight: 400;\">point-of-sale terminal<\/span><\/a><\/span><span style=\"font-weight: 400;\">. Instead of swiping a card in-store, customers key in their details online or make <\/span><b>DuitNow Online Banking\/Wallets (DOBW)<\/b><span style=\"font-weight: 400;\"> redirections (which are replacing FPX in 2025). The gateway then encrypts, routes, and validates the information before funds move to the merchant\u2019s account.<\/span><\/p><p><span style=\"font-weight: 400;\">Modern gateways also support <\/span><b>local e-wallets<\/b><span style=\"font-weight: 400;\"> such as Touch\u2019n Go, GrabPay and Boost, and <\/span><b>DuitNow QR acceptance<\/b><span style=\"font-weight: 400;\"> (an <\/span><b>interoperable QR network<\/b><span style=\"font-weight: 400;\">, not an e-wallet), making them central to omnichannel commerce. (Sources: PayNet Malaysia; BNM Annual Report 2024)<\/span><\/p><h2><b>Why Payment Gateways Matter to Malaysian SMEs<\/b><\/h2><h3><strong>1) Enabling Digital Trust<\/strong><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In Malaysia\u2019s online marketplace, trust is everything.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customers often abandon carts if they sense insecure payment pages.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using a <\/span><b>PCI DSS-compliant<\/b><span style=\"font-weight: 400;\"> gateway with visible trust badges builds consumer confidence.<\/span><\/li><\/ul><h3><b>2) Reducing Checkout Friction<\/b><\/h3><p><span style=\"font-weight: 400;\">A gateway with seamless integration ensures that transactions process in real time, improving checkout conversion rates and lowering abandonment.<\/span><\/p><h3><b>3) Ensuring Compliance and Security<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment gateways and acquirers in Malaysia are regulated under Part II, Division 1 of the <\/span><b>Financial Services Act 2013<\/b><span style=\"font-weight: 400;\">, which empowers <\/span><b>Bank Negara Malaysia (BNM)<\/b><span style=\"font-weight: 400;\"> to license, supervise, and set operational standards for payment systems.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payments Network Malaysia (PayNet)<\/b><span style=\"font-weight: 400;\"> operates under BNM oversight as the national payment infrastructure provider.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <\/span><b>Consumer Credit Bill 2025<\/b><span style=\"font-weight: 400;\"> has passed the <\/span><b>Dewan Rakyat<\/b><span style=\"font-weight: 400;\"> and will establish a <\/span><b>Consumer Credit Commission<\/b><span style=\"font-weight: 400;\"> to regulate <\/span><b>non-bank consumer credit<\/b><span style=\"font-weight: 400;\"> once fully in force.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">(Sources: Bank Negara Malaysia; Government\/Parliament updates on the Consumer Credit Bill 2025)<\/span><\/p><h3><b>4) Unlocking Regional and Global Reach<\/b><\/h3><p><span style=\"font-weight: 400;\">For exporters and digital service providers, gateways that support multi-currency transactions (e.g., MYR, SGD, USD) enable global commerce without heavy integration overhead.<\/span><\/p><p><span style=\"font-weight: 400;\">(Source: PwC Payment Trends Report 2024)<\/span><\/p><h2><b>How Payment Gateway Works: Step-by-Step Process<\/b><\/h2><p><span style=\"font-weight: 400;\">Every online payment follows a structured workflow. Here is how it typically unfolds:<\/span><\/p><h3><strong>1. Customer Initiates the Payment<\/strong><\/h3><p><span style=\"font-weight: 400;\">The buyer submits payment details on the merchant\u2019s checkout page, selecting <\/span><b>card<\/b><span style=\"font-weight: 400;\">, <\/span><b>DuitNow Online Banking\/Wallets (DOBW; replacing FPX)<\/b><span style=\"font-weight: 400;\">, or <\/span><b>e-wallet<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3><strong>2. Data Encryption and Tokenisation<\/strong><\/h3><p><span style=\"font-weight: 400;\">The gateway encrypts sensitive cardholder data and may replace actual numbers with tokens to reduce exposure risk.<\/span><\/p><h3><strong>3. Transaction Routing<\/strong><\/h3><p><span style=\"font-weight: 400;\">The encrypted data is sent to the <\/span><b>acquiring bank<\/b><span style=\"font-weight: 400;\">, which forwards it to the <\/span><b>card network<\/b><span style=\"font-weight: 400;\"> (Visa, Mastercard, UnionPay) or to account-to-account rails such as <\/span><b>DOBW<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3><strong>4. Authorisation<\/strong><\/h3><p><span style=\"font-weight: 400;\">The <\/span><b>issuing bank<\/b><span style=\"font-weight: 400;\"> checks the customer\u2019s balance, performs risk\/fraud checks (including 3-D Secure where applicable), and approves or declines the transaction.<\/span><\/p><h3><strong>5. Response to Merchant<\/strong><\/h3><p><span style=\"font-weight: 400;\">The gateway communicates the authorisation result back to the merchant in seconds, updating the checkout interface.<\/span><\/p><h3><strong>6. Settlement and Payout<\/strong><\/h3><p><b>Settlement times vary by provider and method.<\/b><span style=\"font-weight: 400;\"> Some settle <\/span><b>weekly<\/b><span style=\"font-weight: 400;\"> (e.g., certain local providers), others on <\/span><b>T+2<\/b><span style=\"font-weight: 400;\">, and some offer <\/span><b>T+1<\/b><span style=\"font-weight: 400;\"> \u6216 <\/span><b>instant<\/b><span style=\"font-weight: 400;\"> options. Always confirm the SLA in your merchant agreement.<\/span><\/p><h2><b>Core Components of a Payment Gateway System<\/b><\/h2><table><tbody><tr><td><p style=\"text-align: center;\"><b>Component<\/b><\/p><\/td><td style=\"text-align: center;\"><p><b>Role in the Payment Flow<\/b><\/p><\/td><\/tr><tr><td><p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Merchant Account<\/span><\/p><\/td><td style=\"text-align: center;\"><p><span style=\"font-weight: 400;\">Destination account for receiving cleared funds.<\/span><\/p><\/td><\/tr><tr><td><p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Acquiring Bank<\/span><\/p><\/td><td><p style=\"text-align: center;\"><span style=\"font-weight: 400;\">The merchant\u2019s financial partner that processes payments.<\/span><\/p><\/td><\/tr><tr><td style=\"text-align: center;\"><p><span style=\"font-weight: 400;\">Issuing Bank<\/span><\/p><\/td><td><p style=\"text-align: center;\"><span style=\"font-weight: 400;\">The customer\u2019s bank that approves or declines transactions.<\/span><\/p><\/td><\/tr><tr><td style=\"text-align: center;\"><p><span style=\"font-weight: 400;\">Card Network<\/span><\/p><\/td><td><p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Connects acquirer and issuer (Visa, Mastercard, UnionPay).<\/span><\/p><\/td><\/tr><tr><td style=\"text-align: center;\"><p><span style=\"font-weight: 400;\">Gateway API<\/span><\/p><\/td><td><p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Software that encrypts, routes, and verifies payment data.<\/span><\/p><\/td><\/tr><\/tbody><\/table><p><span style=\"font-weight: 400;\">A strong gateway integrates all five with uptime guarantees and redundancy.<\/span><\/p><h2><b>Types of Payment Gateways in Malaysia<\/b><\/h2><h3><b>Hosted Gateways<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customers are redirected to a secure page hosted by the <\/span><span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/paydibs.com\/zh\/\"><span style=\"font-weight: 400;\">payment service provider<\/span><\/a><\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Popular with SMEs due to simplicity and reduced compliance burden.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Services such as PayPal and <\/span><b>toyyibPay are Hosted Gateways<\/b><span style=\"font-weight: 400;\">.<\/span><\/li><\/ul><h3><b>Integrated API Gateways<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Checkout is embedded in your website\/app for a seamless, branded experience.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One example of this is Paydibs.<\/span><\/li><\/ul><h3><b>White-Label \/ Enterprise Solutions<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customisable infrastructure for fintech platforms or large merchants who want full brand ownership.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">(Sources: Fintech Malaysia Report 2024; provider websites)<\/span><\/p><h2><b>Key Benefits for Malaysian Businesses<\/b><\/h2><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multi-Channel Acceptance: <\/b><span style=\"font-weight: 400;\">Gateways unify <\/span><b>cards, DuitNow payment rails operated by PayNet under BNM supervision (DOBW, QR), and e-wallets<\/b><span style=\"font-weight: 400;\"> in one platform, matching Malaysia\u2019s mixed payment behaviour.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Automated Accounting &amp; Reconciliation: <\/b><span style=\"font-weight: 400;\">Most modern gateways provide dashboards or integrations with accounting tools (e.g., Xero, QuickBooks), reducing manual bookkeeping.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fraud Detection &amp; Chargeback Management: <\/b><span style=\"font-weight: 400;\">Advanced rules and AI monitoring help flag suspicious transactions and reduce false declines.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cash-Flow Control:<\/b><span style=\"font-weight: 400;\"> Choose providers with settlement schedules that fit your needs (T+1\/T+2\/weekly or instant options).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Scalability &amp; Analytics:<\/b><span style=\"font-weight: 400;\"> Insights into transaction volumes, approval rates, and customer behaviour support smarter growth decisions.<\/span><\/li><\/ol><h2><b>Potential Risks and Issues<\/b><\/h2><h3><strong>1. Transaction Failures or Latency<\/strong><\/h3><p><span style=\"font-weight: 400;\">Bank\/network outages or outdated integrations can cause failed authorisations. Implement failover routing, retry logic, and health monitoring to avoid this.<\/span><\/p><h3><strong>2. High Transaction Fees<\/strong><\/h3><p><span style=\"font-weight: 400;\">Fees vary widely by method\/provider. Cards often fall around <\/span><b>~2\u20133%<\/b><span style=\"font-weight: 400;\">, while DuitNow rails and some e-wallets use per-transaction fees or lower MDRs. Always check the latest rate cards and negotiate volume tiers.<\/span><\/p><h3><strong>3. Fraud &amp; Data Security<\/strong><\/h3><p><span style=\"font-weight: 400;\">Non-compliant systems risk breaches. Ensure providers meet <\/span><b>PCI DSS<\/b><span style=\"font-weight: 400;\"> requirements and use tokenisation\/3-D Secure. All customer information must be processed in accordance with the <\/span><b>Personal Data Protection Act 2010 (PDPA Malaysia)<\/b><span style=\"font-weight: 400;\">, ensuring transparency and lawful handling of personal and financial data.<\/span><\/p><h3><strong>4. Integration Complexity<\/strong><\/h3><p><span style=\"font-weight: 400;\">Poorly tested plugins can misroute transactions or cause duplicates. Use certified SDKs, a staging environment, and end-to-end test cases.<\/span><\/p><h3><strong>5. Regulatory Shifts<\/strong><\/h3><p><span style=\"font-weight: 400;\">The <\/span><b>Consumer Credit Bill 2025<\/b><span style=\"font-weight: 400;\"> is progressing but not fully in force; payments remain primarily under <\/span><b>BNM\/FSA 2013<\/b><span style=\"font-weight: 400;\">. Monitor official notices for updates that affect disclosures and data handling.<\/span><\/p><p><span style=\"font-weight: 400;\">(Sources: The Edge Malaysia; PwC Payment Trends Report 2024; BNM\/Parliament updates)<\/span><\/p><h2><b>Future Outlook: Beyond Transactions<\/b><\/h2><p><span style=\"font-weight: 400;\">Gateways are evolving into <\/span><b>payment orchestration platforms<\/b><span style=\"font-weight: 400;\"> that unify multiple rails and providers. Expect:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Open Banking-style pay-by-bank<\/b><span style=\"font-weight: 400;\"> journeys via regulated APIs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>AI-driven fraud prevention<\/b><span style=\"font-weight: 400;\"> that detects anomalies in milliseconds.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Embedded finance<\/b><span style=\"font-weight: 400;\"> where payments, lending, and loyalty live in one experience.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">For SMEs, this means <\/span><b>more competitive fees<\/b><span style=\"font-weight: 400;\">, <\/span><b>faster settlements<\/b><span style=\"font-weight: 400;\">, and <\/span><b>greater transparency<\/b><span style=\"font-weight: 400;\"> over the next few years. (Source: Deloitte Southeast Asia Fintech Outlook 2025)<\/span><\/p><h2><b>Build a Smarter, Safer Checkout<\/b><\/h2><p><span style=\"font-weight: 400;\">A payment gateway is no longer optional, it is the digital infrastructure enabling Malaysia\u2019s online economy. By understanding how it works, SMEs can select partners that offer reliability, security, and compliance.<\/span><\/p><p><span style=\"font-weight: 400;\">The best gateways balance <\/span><b>speed, safety, and simplicity<\/b><span style=\"font-weight: 400;\">. Investing in a robust gateway integration is one of the most effective ways to reduce cart abandonment, increase customer trust, and future-proof your business in an increasingly cashless Malaysia. Explore our <\/span><a href=\"https:\/\/paydibs.com\/zh\/pricing\/\"><span style=\"font-weight: 400;\"><span style=\"text-decoration: underline; color: #0000ff;\">package pricing<\/span><\/span><\/a><span style=\"font-weight: 400;\"> today, and build a smarter, safer, payment gateway to keep your customers safe and your business growing.<\/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>Frequently Asked Questions About How A Payment Gateway Works<\/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\"> <h3>What is the primary function of a payment gateway?<\/h3> <\/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;\">To securely transmit, authorise, and confirm transactions between a customer, merchant, and banks.<\/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\"> <h3>Can one gateway handle DuitNow, e-wallets, and card payments?<\/h3> <\/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 Malaysian gateways now offer <\/span><b>multi-channel<\/b><span style=\"font-weight: 400;\"> integrations covering major payment methods (cards, DuitNow rails, and leading e-wallets).<\/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\"> <h3>How long does settlement usually take?<\/h3> <\/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;\">Anywhere from <\/span><b>T+1 to weekly<\/b><span style=\"font-weight: 400;\">, depending on your provider, risk profile, and payment method. Check your merchant agreement for the exact SLA.<\/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\"> <h3>Do I need to maintain PCI DSS certification myself?<\/h3> <\/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;\">If you use a <\/span><b>hosted<\/b><span style=\"font-weight: 400;\"> checkout, most obligations sit with the gateway, but you may still need to complete the relevant <\/span><b>PCI SAQ<\/b><span style=\"font-weight: 400;\"> and follow best practices (e.g., TLS, no card data storage).\u00a0<\/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\"> <h3>Is a gateway the same as a payment processor?<\/h3> <\/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;\">No. The <\/span><b>processor<\/b><span style=\"font-weight: 400;\"> executes the movement of funds; the <\/span><b>gateway<\/b><span style=\"font-weight: 400;\"> securely facilitates the exchange of data and connects the transaction parties.<\/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\"> <h3>How can I minimise payment failures?<\/h3> <\/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;\">Choose gateways with <\/span><b>redundant routing<\/b><span style=\"font-weight: 400;\">, monitor success rates, enable <\/span><b>3-D Secure<\/b><span style=\"font-weight: 400;\"> where applicable, and keep plugins\/APIs up to date.<\/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\/how-payment-gateway-works\/\" data-a2a-title=\"How A Payment Gateway Works (Malaysia SME Guide)\"><a class=\"a2a_button_facebook\" href=\"https:\/\/www.addtoany.com\/add_to\/facebook?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fhow-payment-gateway-works%2F&amp;linkname=How%20A%20Payment%20Gateway%20Works%20%28Malaysia%20SME%20Guide%29\" 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%2Fhow-payment-gateway-works%2F&amp;linkname=How%20A%20Payment%20Gateway%20Works%20%28Malaysia%20SME%20Guide%29\" 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%2Fhow-payment-gateway-works%2F&amp;linkname=How%20A%20Payment%20Gateway%20Works%20%28Malaysia%20SME%20Guide%29\" 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\/what-is-msic-code\/\">MSIC Code: What It Is &#038; How To Find Yours (2026)<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/fuel-price-malaysia-business-impact\/\">Fuel Price Malaysia 2026: Updates &#038; Business Impact<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/tin-mismatch-business-payments\/\">Why a Single TIN Mismatch Could Halt Your Business Payments<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/online-store-bnpl-vs-credit-card\/\">BNPL vs. Credit Card: Why Online Store Needs Both Options<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/paydibs-partners-with-great-eastern-general-insurance-to-introduce-embedded-business-protection-solution-for-msmes\/\">Paydibs Partners with Great Eastern General Insurance to Introduce Embedded Business Protection Solution for MSMEs<\/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>Ever wondered what happens behind the scenes when customers make payments online? This guide explains how a payment gateway works, step-by-step, and why understanding it matters for Malaysian SMEs embracing cashless commerce.<\/p>","protected":false},"author":3,"featured_media":28184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-28183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>How A Payment Gateway Works (Malaysia SME Guide) - Paydibs<\/title>\r\n<meta name=\"description\" content=\"Learn how payment gateways work, their process, security layers, and why they are essential for Malaysian SMEs in 2025\u2019s cashless economy.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/paydibs.com\/zh\/how-payment-gateway-works\/\" \/>\r\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"How A Payment Gateway Works (Malaysia SME Guide) - 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