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eCommercePayment Gateways

ToyyibPay Payment Gateway in Malaysia. Full Merchant Guide for Online and Offline Payments.

By January 5, 2026No Comments


Malaysia payment gateway guide

How to Accept Online Payments Using ToyyibPay

ToyyibPay is a Malaysia based payment gateway built for local and regional businesses. You can accept payments through FPX online banking, cards, and selected eWallets. This guide shows how ToyyibPay works, who it fits, and how you integrate it across popular ecommerce platforms.

Table of contents

Introduction to ToyyibPay

ToyyibPay stands as a Malaysia based payment gateway built for local and regional businesses. You use it to
accept online payments through FPX, debit cards, credit cards, and selected eWallets. The platform prioritizes
fast onboarding, simple setup, and practical tools that help you grow digital commerce.

Who owns and operates ToyyibPay

ToyyibPay operates under ToyyibPay Sdn Bhd, a Malaysian fintech company. The business emphasizes Islamic
compliant payment flows and transparent fee structures. You work with a local team, local support, and
direct settlement into Malaysian bank accounts, which reduces delays and improves clarity.

ToyyibPay Supported countries and market coverage

ToyyibPay focuses mainly on Malaysia. You get strong support for Malaysian customers using local banks and
local wallets. International businesses serving Malaysian customers also use ToyyibPay via payment links and
ecommerce integrations. This keeps checkout familiar for local buyers and improves completion.

ToyyibPay Supported currencies

ToyyibPay processes transactions in Malaysian Ringgit. Settlement occurs in MYR into local bank accounts.
This fits businesses that price products and services for the Malaysian market. It also reduces FX confusion at
checkout and keeps customer expectations aligned with your advertised pricing.

ToyyibPay Supported payment methods

ToyyibPay supports multiple payment methods designed for local usage. You control what appears at checkout,
so you can match buyer preference and reduce friction. This flexibility helps you optimize conversion by device,
product type, and customer segment without rebuilding your entire payment stack.

  • FPX online banking from major Malaysian banks
  • Debit cards and credit cards
  • Selected eWallets depending on your account setup
  • Manual bank transfer with payment verification tools

ToyyibPay without registered business in Malaysia

You can use ToyyibPay without a registered business under a special incubator structure via Dewan Ekonomi GIG
Malaysia. You register using a personal bank account. SSM registration becomes required only when you use a
company bank account, which helps you start faster with less paperwork.

Best for: fast start
Account: personal bank
Upgrade: SSM when scaling
  • Freelancers and consultants
  • Dropshippers and resellers
  • Content creators selling digital products
  • Event organizers and trainers
  • Small community sellers

ToyyibPay Supported business industry types

ToyyibPay supports a wide range of business sectors, including digital and physical commerce. You can use it
for one time payments and recurring collection workflows. This range matters if you sell across products,
services, events, and memberships, all while keeping the payment experience consistent.

  • Ecommerce retail stores
  • Digital products and downloads
  • Online courses and coaching
  • Event ticketing and workshops
  • Charities and donations
  • Food and beverage orders
  • Subscription based services
  • Professional services
  • Education institutions
  • Travel and tour operators
  • Membership platforms

ToyyibPay merchant registration process

Registration stays straightforward and online. You create an account, choose individual or company type, submit
documents, and wait for verification. You receive email updates at each stage. This reduces operational delay
and helps you go live quickly, which matters for launches and campaign timelines.

Step by step

  • Visit ToyyibPay website and create an account
  • Choose individual or company account type
  • Submit required documents
  • Wait for verification approval
  • Activate payment features

Documents for individual account

  • Malaysian IC or passport
  • Personal bank account details
  • Basic profile information

Documents for company account

  • SSM business registration documents
  • Company bank account details
  • Director or owner identification

How ToyyibPay payment process works for customers

Your customer sees a clear flow. They select the product, proceed to checkout or a payment link, choose FPX,
card, or wallet, and complete the payment. They receive confirmation. You get instant transaction notification,
then settlement goes to your registered bank account on the payout schedule.

  • Select product or service
  • Open checkout or payment link
  • Pick preferred payment method
  • Complete payment via bank or card
  • Receive confirmation

ToyyibPay integration with WordPress

ToyyibPay integrates well with WordPress stores. You can use a WooCommerce plugin, embed payment buttons, or
share direct payment links. This supports product checkout, order confirmation, and automated tracking. You
should run test transactions and confirm status mapping before you go live.

Basic steps

  • Install WooCommerce
  • Install ToyyibPay plugin
  • Enter API key and secret
  • Enable payment method
  • Run a test transaction

ToyyibPay integration with PrestaShop

PrestaShop merchants can connect using the ToyyibPay module. You configure API credentials, assign payment
status mapping, and test the checkout flow. This supports FPX and card payments inside the PrestaShop checkout
environment, which keeps customers on-site and improves purchase confidence.

  • Install ToyyibPay PrestaShop module
  • Configure merchant API credentials
  • Map payment statuses to order states
  • Test checkout flow end to end

CartDNA ToyyibPay app for Shopify

Shopify merchants can use the CartDNA ToyyibPay app for a clean integration path. You connect ToyyibPay into
Shopify workflows, support FPX and local methods, and receive reliable transaction updates. This suits Malaysian
stores selling physical goods, digital products, and services with fast operational setup.

Key features

  • Direct ToyyibPay integration for Shopify workflows
  • Support for FPX and local payment methods
  • Simple configuration inside Shopify admin
  • Reliable transaction status updates

Setup steps

ToyyibPay fees and settlement

ToyyibPay uses transaction based pricing. Fees depend on the payment method. FPX typically carries lower fees
than card payments. Settlement goes directly to your bank account based on the payout cycle. You should track
effective fees per channel, especially when you run ads or affiliate campaigns.

Security and compliance of ToyyibPay

ToyyibPay uses secure processing practices and encrypted connections to protect customer data. Payment
verification helps reduce fraud risk for merchants. You should still follow best practice on your side, like
strong admin passwords, limited staff access, and clear refund policies to reduce dispute rates.

Why businesses choose ToyyibPay

Businesses pick ToyyibPay for local focus and fast onboarding. Support for individual sellers without SSM helps
freelancers and micro sellers start quickly. The platform fits brands that need local payment acceptance, clear
pricing, and a Malaysia focused checkout experience that customers recognize and trust.

Review the registration steps

FAQ

Can you use ToyyibPay without SSM?

Yes, many small sellers start under an incubator style structure and use a personal bank account. You typically
need SSM when you move to a company bank account or scale operations. Start simple, validate demand, then formalize
when your volume makes it worthwhile.

What payment method should you prioritize for Malaysia?

Prioritize FPX first because it matches local behavior and usually costs less than cards. Then add cards if you
sell to customers who prefer them. If your buyers use wallets heavily, enable the supported eWallet options for your
account setup and test conversion by device.

What is the simplest integration path for beginners?

Use payment links or a WooCommerce plugin if you run WordPress. Payment links work fast with minimal setup. Plugins
help automate order status and tracking. Always run test payments and verify the full flow, including refunds and
confirmation emails, before you start paid traffic.

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