Billplz vs HitPay: fees, settlement, and support compared

Comparing Billplz vs HitPay in Malaysia comes down to fit. HitPay suits businesses that need in-person payments and a broad set of no-code tools on a pay-per-transaction model. Billplz suits organizations that collect mainly through FPX online, including government, statutory, and institutional collectors, and buyers who need a documented security and compliance stack. Both publish their pricing: Billplz pricing and HitPay pricing. This comparison covers how each gateway charges, how fast money settles, security, and support, so you can match one to your payment mix.

Billplz and HitPay at a glance

Both gateways let Malaysian businesses accept online payments through local rails. Both publish their rates. Neither is the right answer for everyone.

HitPay is a Singapore-headquartered company, HitPay Payment Solutions Pte Ltd, operating across Southeast Asia. Its published center of gravity is breadth: in-person card terminals, Tap to Pay, cross-border acceptance in multiple markets, and a set of free no-code tools including payment links, online payment forms, recurring billing, an invoice generator, and an online store builder.

Billplz is a Malaysian company, Billplz Sdn Bhd, built in Malaysia and processing payments for Malaysian organizations since 2012, with its team based in Selangor. More than 60,000 Malaysian organizations use it, a base that includes NGOs, zakat bodies, schools, and government agencies. Its documented center of gravity is Malaysia-first: FPX collection and the compliance stack that government and institutional buyers ask about. For selling without code, Catalog, its standalone commerce platform, provides a free payment form with link and a free online storefront. For billing, Billplz Collection creates bills from the dashboard with no code, one at a time or in bulk via Excel upload, each paid on a pre-built, Billplz-hosted Bill Page with automatic receipts.

How each gateway charges

The two pricing models are structured differently, and the structure matters more than any single rate.

HitPay publishes a pay-per-transaction model with no setup or monthly fees. Its Malaysia pricing page lists, as of 15 July 2026, online domestic cards at 1.2% + MYR 1.00, international cards at 3% + MYR 1.00, FPX at 1.8% + MYR 0.40, DuitNow at 1.2%, and per-brand rates for GrabPay, Boost, ShopeePay, Touch 'n Go, and Maybank QRPay. In-person rates differ from online rates.

Billplz publishes three plans: Basic, which is free, Standard, a paid annual membership, and Enterprise, which is custom. Per-transaction fees apply on every plan and are listed by payment method, with FPX charged as a flat per-transaction fee rather than a percentage: MYR 1.25 on Basic and MYR 0.75 on Standard, as published on 15 July 2026. Card rates step down on the Standard plan. Current rates for every method and plan are published at main.billplz.com/pricing. Pricing details change, so treat the live page as the source of truth; third-party summaries can lag behind current rates.

The structural difference shows most clearly on FPX. HitPay charges a percentage plus a fixed fee per FPX transaction: 1.8% + MYR 0.40 as of 15 July 2026. Billplz charges a flat fee per FPX transaction: MYR 1.25 on Basic and MYR 0.75 on Standard, as of the same date. On a MYR 500.00 collection, the published rates work out to MYR 9.40 against a flat MYR 1.25 or less. As transaction values rise, a percentage grows with the payment; a flat fee does not. At lower transaction values the gap narrows and the percentage model can cost less, so model your own typical ticket size against both published pages.

Compare live rates at main.billplz.com/pricing and HitPay's pricing page.

What this means for your payment mix

Your real cost depends on how your customers pay, not on any single headline rate. Model your own mix:

• Collect mainly through FPX bank transfer, especially at higher transaction values? Compare HitPay's percentage-based FPX rate against Billplz's flat rate at your typical ticket size.
• Card-heavy, local and international? Compare the published card percentages side by side, including foreign-currency treatment.
• Selling in person at a counter or an event? HitPay documents terminals and Tap to Pay. Billplz's documented products are built for online collection.
• High volume? Both publish custom or enterprise tiers. Talk to each team with your numbers.

Billplz vs HitPay: side by side

	Billplz	HitPay
Company	Billplz Sdn Bhd, a Malaysian company; team based in Selangor; processing payments in Malaysia since 2012	HitPay Payment Solutions Pte Ltd, headquartered in Singapore; operates across Southeast Asia
Pricing model	Three plans (Basic free, Standard annual membership, Enterprise custom) plus per-transaction fees; FPX flat at MYR 1.25 (Basic) or MYR 0.75 (Standard), as of 15 July 2026	No subscription; pay per transaction; FPX at 1.8% + MYR 0.40, as of 15 July 2026, per their published pricing page
Published pricing	main.billplz.com/pricing	hitpayapp.com/my/pricing
Payment methods	FPX (20+ Malaysian banks), DuitNow QR, Wallet (Touch 'n Go eWallet, GrabPay, ShopeePay, Boost), Card (Visa, Mastercard), Instalments (Atome, PayLater by Grab, Shopee SPayLater)	Cards, FPX, DuitNow, GrabPay, Boost, ShopeePay, Touch 'n Go, Maybank QRPay, Atome, AliPay, WeChatPay, and others
Settlement as documented	FPX next business day; Card T+2 business days; Wallet next day; Enterprise plans include real-time payout	T+2 business days for non-card payment methods; from T+3 business days for cards, final schedule set by their compliance team case by case, as of 15 July 2026
Integrations	Full API access and 30+ plugins	Shopify, WooCommerce, Wix, Xero, Google Forms, and others
No-code tools	Catalog Payment Form (payment form with link) and Catalog Store (online storefront), both free; Billplz Collection billing with no code: single or bulk bills via Excel, Billplz-hosted Bill Page, automatic receipts	Payment links, payment forms, recurring billing, invoice generator, online store builder, free

How fast each gateway settles

Settlement speed decides how quickly collections become working capital, so check the documented terms rather than assumptions.

Billplz publishes payout timing by method on its pricing page: FPX settles next business day, Card in T+2 business days, and Wallet next day. Enterprise plans include real-time payout; PDRM's MyBayar Saman collections, for example, arrive the same day.

HitPay publishes its payout schedule on its pricing page: T+2 business days for non-card payment methods, and from T+3 business days for card payments, with the final schedule set by its compliance team case by case, as of 15 July 2026.

If settlement speed matters for your cash flow, compare the published schedules directly: next business day for FPX at Billplz against T+2 for non-card methods at HitPay.

Security and compliance

Security is where procurement teams slow down, so here is what each gateway documents.

Billplz publishes its stack at main.billplz.com/security: PCI DSS Level 1, verified through annual audits. It is a certified PayNet system integrator and complies with Pekeliling Perbendaharaan Malaysia PS 2.1, the government payment standard covering real-time settlement, capped transaction costs, and transparent pricing. It inherits ISO 27001, ISO 27017, ISO 27018, and SOC 2 Type II controls from its cloud infrastructure, maintained and audited continuously, and maintains 99.9% historical uptime.

This stack matters most if you are a government agency, statutory body, or institution, or if your procurement process asks for certifications by name. PDRM's traffic summons collection through MyBayar Saman is a documented example of that kind of deployment.

HitPay publishes its security and compliance position on its trust and compliance page. As of 20 July 2026, that page lists PCI DSS certification, licensing by the Monetary Authority of Singapore, 99.99% uptime, and platform measures including AES data encryption, external penetration testing, and anti-money laundering tools. For Malaysia, it states that HitPay Payment Solutions Sdn Bhd operates as a technology service provider and partners with Stripe Payments Malaysia Sdn Bhd, a merchant acquirer registered with Bank Negara Malaysia under the Financial Services Act 2013, for regulated activities. The page does not state a PCI DSS level, so ask their team if your procurement requires one.

Which gateway fits your organization

Every organization's payment mix is different, so here is the honest split based on what each gateway documents today.

Choose HitPay if

• You sell in person and need card terminals or Tap to Pay alongside online payments.
• You sell across borders: their pages document cross-border acceptance in multiple markets and currencies.
• You want a no-subscription model where you only pay per transaction.
• You need a bundled recurring billing tool today; their published software set includes one.
• You need their published plugin list, which includes Shopify, WooCommerce, Wix, Xero, and Google Forms.

Choose Billplz if

• You prefer a Malaysian company. Billplz Sdn Bhd was built in Malaysia, has focused on Malaysian payments since 2012, and its team is based in Selangor.
• You collect mainly through FPX bank transfer online and want a flat per-transaction fee on FPX (see main.billplz.com/pricing).
• You are a government agency, statutory body, or institution collecting fines, levies, fees, zakat, or tuition. PDRM's MyBayar Saman deployment is documented at main.billplz.com/customers.
• Your procurement is security and compliance sensitive and asks for PCI DSS Level 1, a certified PayNet system integrator, or Pekeliling Perbendaharaan Malaysia PS 2.1 compliance.
• You value a long local track record: processing payments since 2012, with 60,000+ Malaysian organizations on the platform.

See what collecting with Billplz looks like at main.billplz.com/collection.

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FAQ

Is Billplz cheaper than HitPay?

It depends on your payment mix, transaction values, and whether you collect online or in person. On FPX, the published rates as of 15 July 2026 are 1.8% + MYR 0.40 per transaction at HitPay and a flat MYR 1.25 (Basic) or MYR 0.75 (Standard) at Billplz, so the gap widens as transaction values grow. For Card and Wallet payments, model your own mix against both published pages: main.billplz.com/pricing and hitpayapp.com/my/pricing.

How much does Billplz cost?

Billplz publishes current rates for every plan and payment method at main.billplz.com/pricing. There are three plans: a free Basic plan, a paid Standard annual membership, and custom Enterprise pricing. Rates differ by plan and payment method, and pricing details can change, so check the live page rather than third-party summaries.

Does HitPay support more payment methods than Billplz?

HitPay's list is longer, but core Malaysian coverage is close. Both accept FPX, DuitNow, Card, the major Wallet options (Touch 'n Go, GrabPay, ShopeePay, Boost), and instalment plans including Atome and PayLater by Grab. HitPay adds Maybank QRPay and cross-border options such as AliPay and WeChatPay. The bigger difference is product breadth: HitPay also sells in-person terminals and cross-border acceptance. For local online collection, match either list against how your customers actually pay.

Does Billplz have no-code tools like HitPay?

Yes. Catalog, Billplz's standalone commerce platform, provides Catalog Payment Form, a free payment form with link, and Catalog Store, a free online storefront. Billplz Collection covers billing without code: create bills one at a time or in bulk via Excel upload, each paid on a Billplz-hosted Bill Page with automatic receipts. That plays the role of HitPay's invoice generator; their bundled set still adds a recurring billing tool. For selling online without code, the two are closer than the product lists suggest.

Is Billplz safe and compliant?

Yes. Billplz is PCI DSS Level 1 certified, audited annually. It is a certified PayNet system integrator, complies with Pekeliling Perbendaharaan Malaysia PS 2.1, and maintains 99.9% historical uptime. The full stack is published at main.billplz.com/security.

How fast does Billplz settle?

Billplz publishes payout timing by method at main.billplz.com/pricing: next business day for FPX, T+2 business days for Card, and next day for Wallet. Enterprise plans include real-time payout, so collections can arrive the same day.

Can I use either gateway for government or institutional collection?

Billplz documents a public-sector deployment (PDRM's MyBayar Saman) and compliance with Pekeliling Perbendaharaan Malaysia PS 2.1, the Malaysian government's payment standard. HitPay's site does not currently document an equivalent public-sector deployment; review their pages for their institutional offering.

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Choosing between two capable gateways

Both gateways keep evolving, and the right choice depends on how your organization collects. Compare the published pricing, check the documented settlement terms against your cash flow needs, and weigh the compliance stack your procurement requires. If FPX-first collection for a Malaysian organization is your starting point, review the numbers at main.billplz.com/pricing.