Understanding Billplz pricing

Billplz uses a pay-as-you-go pricing model. You pay transaction fees per payment collected, plus an optional annual subscription if you want lower rates. There are no setup fees, no hidden charges, and no minimum commitments.

This article explains how Billplz pricing works. For current rates, see the Billplz pricing page.

Membership plans

Billplz offers three membership plans. Your plan determines your per-transaction fees, higher plans unlock lower rates.

All plans use annual billing, monthly subscriptions are not available.

Basic is the default plan when you sign up. You pay per-transaction fees only, with no commitment. Upgrade to Standard at any time from your dashboard.

Standard costs MYR 999/year (exclusive of 8% SST, totalling approximately MYR 1,079). The subscription fee is deducted from your Credit Balance. Standard offers significantly lower FPX transaction fees compared to Basic.

Enterprise includes custom pricing, dedicated support, and advanced features. Contact team@billplz.com for Enterprise enquiries.

Transaction fees by payment method

Transaction fees are charged per successful payment. How fees are deducted depends on the payment method (see below).

FPX (Online Banking)

FPX fees are flat amounts (not percentages). Rates differ by transaction type:

• B2C (Business-to-Consumer): Personal bank account payments
• B2B (Business-to-Business): Corporate/business bank account payments

Standard plan offers lower FPX rates than Basic. Check the pricing page for current B2C and B2B rates.

Settlement: Next business day

Card payments (Visa, Mastercard)

Card fees are percentages of the transaction amount:

• MYR transactions: Lower percentage rate
• Non-MYR transactions: Higher percentage rate (optional feature for accepting foreign cards)

Standard plan offers lower card rates than Basic. No annual activation fee is charged.

Settlement: T+2 business days (two business days after collection)

Wallet payments

Wallet fees (DuitNow QR, Boost, GrabPay, Touch 'n Go, ShopeePay) are percentages of the transaction amount. Rates are the same for Basic and Standard plans.

Settlement: Next day

Instalment payments

Instalment payments have percentage-based fees. Rates are the same for Basic and Standard plans.

• PayLater by Grab: 4-month instalment plan
• Atome: 3-month instalment plan

Check the pricing page for current instalment rates.

Settlement: Wednesday and Friday (twice weekly)

Other fees

Payment Order (DuitNow Transfer)

Payment Order is used for disbursements (sending money out, such as refunds or vendor payments). Fees are flat amounts per transfer, deducted from your Credit Balance. Standard plan offers lower rates than Basic. Check the pricing page for current rates.

Settlement: Real-time

Shopify integration

If you use Billplz's Shopify integration, an additional 0.30% fee applies per transaction, deducted from your Credit Balance. This is on top of the standard transaction fee for the payment method used.

Catalog

Billplz does not charge additional fees for using Catalog Payment Form and Catalog Store. However, Catalog has optional premium features with their own pricing. See the Catalog documentation for details.

SST (Sales and Services Tax)

8% SST applies to:

• Standard membership subscription (MYR 999 + 8% SST = approximately MYR 1,079)
• Transaction fees (calculated on the fee amount, not the transaction amount)

How fees are deducted

Where fees are deducted depends on the payment method:

Card and e-wallet payments are processed externally (via bank and third-party providers), so fees are deducted from the payment amount before it reaches your Billplz account. FPX is processed internally, so fees are deducted from your Credit Balance instead.

FPX fees are deducted from your Billplz Credit Balance after each successful transaction. The full payment amount is transferred to your bank account during payout, fees do not reduce what you receive.

Card and wallet fees are deducted directly from the payment amount before it reaches your Billplz account. You receive the net amount (payment minus fee) in your payout.

Example:

• Customer pays MYR 100 via FPX (Basic plan rate) → You receive MYR 100 in payout, MYR 1.25 deducted from Credit Balance
• Customer pays MYR 100 via card (1.8% Basic plan rate) → You receive MYR 98.20 in payout

If your Credit Balance reaches zero, Billplz automatically deducts from your incoming FPX payments to refill your credit in multiples of MYR 100. To avoid delayed payouts, keep your Credit Balance funded.

Choosing the right plan

Start with Basic if:

• You're new to Billplz and want to test the platform
• You have low or irregular transaction volume
• You want zero commitment with no upfront costs

Upgrade to Standard if:

• You process regular monthly volume (especially FPX)
• You want access to lower per-transaction fees
• The savings from lower rates offset the annual subscription cost

You can upgrade from Basic to Standard at any time from your dashboard. There's no penalty for starting on Basic and upgrading later.