Nabeyond ltd t/a CartDNA is a CartDNA is a Shopify Payment App Development Partner
Malaysia's payment landscape is local-first. FPX bank transfers dominate, DuitNow QR is growing fast across in-person and mobile-led sales, and buyers expect Shariah-compliant options. ToyyibPay is built for exactly this market — fast to set up, priced transparently, and designed for Malaysian merchants from sole traders to NGOs.
ToyyibPay supports FPX, DuitNow QR, debit and credit cards, and eWallets — a unified payment solution for Malaysian merchants across online, social, and offline channels
ToyyibPay is a Malaysian payment gateway operated by ToyyibPay Sdn Bhd. It is built specifically for local businesses, NGOs, government-linked organisations, and individual sellers who need a straightforward, Shariah-compliant payment platform. Unlike international gateways that require entity verification, high monthly fees, or complex setup, ToyyibPay is designed to get you accepting payments quickly using familiar Malaysian payment methods.
The platform processes transactions in MYR and settles directly into Malaysian bank accounts. This removes FX confusion, reduces settlement delays, and keeps pricing transparent for both merchant and customer. Whether you are running an ecommerce store, collecting event registration fees, invoicing clients, or selling through WhatsApp and Instagram, ToyyibPay provides a unified collection point that works across online and offline scenarios.
Each payment method in ToyyibPay's stack serves a specific buyer segment in Malaysia. Getting the right mix active at checkout is the single most direct way to improve conversion.
FPX is the backbone of Malaysian online payments. It connects directly to Malaysia's major retail banks — Maybank, CIMB, Public Bank, RHB, Hong Leong, and more — allowing customers to pay from their internet banking or mobile banking app without entering card details. For most Malaysian ecommerce stores, FPX is non-negotiable. Buyers trust it because the money leaves their bank account directly, and merchants trust it because settlement risk is low.
DuitNow QR is Malaysia's national QR payment standard, interoperable across Malaysian banks and eWallets. It is increasingly used for both online and offline collection — merchants display a QR code, buyers scan with their banking app or wallet, and payment is confirmed instantly. For merchants operating at markets, pop-up events, food stalls, or accepting payment via WhatsApp links and social selling, DuitNow QR provides a low-friction collection method without a traditional POS terminal.
ToyyibPay supports Visa and Mastercard debit and credit card payments. While card usage in Malaysia is lower than FPX among domestic buyers, card acceptance is essential for international customers, corporate purchasers, and buyers who do not use Malaysian banking apps. For subscription-based services, recurring billing, and higher-AOV purchases, card support provides a critical coverage layer that FPX alone cannot deliver.
ToyyibPay supports selected eWallets depending on account setup and tier. Malaysian eWallet usage has grown significantly, particularly among younger buyers and urban consumers. Wallets like Touch 'n Go eWallet are widely adopted for everyday purchases. Enabling eWallet payment where supported adds a fast, app-based checkout option for buyers who keep funds loaded in their wallet rather than initiating a bank transfer for each transaction.
ToyyibPay positions POS terminal integration and direct debit as part of its broader payment solutions suite, making it relevant for merchants who need both an online checkout and a physical payment acceptance path. POS terminal support allows card acceptance at the counter. Direct debit facilitates recurring collection authorised by the customer, which suits membership platforms, instalment-based services, and regular donation campaigns for NGOs and charities.
One ToyyibPay merchant account can cover your online store, social selling, event collection, and in-person payments — reducing the need for separate payment providers.
ToyyibPay provides integration paths for the most widely used ecommerce and website platforms in Malaysia. Choose the route that fits your current setup and technical capacity.
| Platform | Integration Type | Technical Complexity | Best For |
|---|---|---|---|
| Shopify (via CartDNA) | Native app | Low | Malaysian Shopify merchants needing FPX and local method support |
| WordPress / WooCommerce | Plugin | Low–Medium | WordPress store owners with existing WooCommerce checkout |
| PrestaShop | Module | Medium | PrestaShop merchants wanting native FPX and card checkout |
| Custom Platform / API | Direct API | High | Developers building custom checkout flows or multi-vendor marketplaces |
| Payment Links (no-code) | No-code | Lowest | Social sellers, freelancers, event organisers, and invoice-based businesses |
CartDNA recommendation: For Shopify merchants, the CartDNA ToyyibPay app is the fastest integration path — install, connect your ToyyibPay credentials, and run a test transaction. For social sellers or businesses not yet on an ecommerce platform, ToyyibPay payment links require zero technical setup and work immediately via WhatsApp, email, or any messaging channel.
Checkout optimisation for the Malaysian market is about local trust signals, payment method ordering, and language. FPX should be prominent at checkout — it is what most Malaysian buyers expect. QR-based payment for mobile-led journeys, and card support as a fallback for international and corporate buyers, rounds out the essential stack.
Translate your store into Bahasa Malaysia if your primary audience is local. Buyers are significantly more likely to complete a purchase when product descriptions, checkout instructions, and confirmation emails are in their language. ToyyibPay's MYR-native settlement removes pricing confusion — make sure your product prices reflect this clearly.
Complete this checklist before going live with ToyyibPay on any platform.
Yes. ToyyibPay allows individual sellers to register using a personal bank account via the Dewan Ekonomi GIG Malaysia incubator structure. SSM registration is only required when you upgrade to a company bank account. This makes ToyyibPay accessible to freelancers, dropshippers, content creators, event organisers, and micro-sellers who need to start accepting payments quickly without formal business registration. You can begin collecting payments immediately and upgrade your account type when your business scales.
FPX should be your first priority. It is the most-used online payment method in Malaysia, connecting directly to all major retail banks including Maybank, CIMB, Public Bank, and RHB. Most Malaysian buyers prefer to pay via internet or mobile banking rather than entering card details, so FPX at the top of your payment method list is the single highest-impact action you can take. After FPX, enable DuitNow QR for mobile and in-person collection, then cards for international buyer coverage.
ToyyibPay provides API callback functionality that sends payment status updates to a URL you configure in your merchant dashboard. When a payment is completed, pending, or fails, ToyyibPay sends a POST request to your callback endpoint with the transaction details. This allows your platform — whether Shopify via CartDNA, WooCommerce, or a custom system — to automatically update order status without manual reconciliation. Always test your callback URL in ToyyibPay's sandbox environment before going live.
Shopify merchants use the CartDNA ToyyibPay app for the cleanest integration path. Install the app from the CartDNA platform, enter your ToyyibPay merchant credentials (API key and secret), enable the payment method in Shopify admin, and run a test transaction to confirm the flow. The CartDNA app supports FPX and other local Malaysian payment methods inside Shopify's native checkout, with reliable transaction status updates and order confirmation automation. CartDNA handles the technical bridge between Shopify and ToyyibPay so you do not need to manage API calls directly.
CartDNA connects ToyyibPay directly to your Shopify store, giving Malaysian merchants a fast, reliable path to FPX, DuitNow QR, and 720+ local payment methods across 95+ markets — without complex API setup.
