PayHalal
World's first Shariah-compliant payment gateway
Fees
| FPX (online banking) | 2.00% or RM1.50 (Basic) |
|---|---|
| Card (local credit/debit) | 3.00% credit / 2.60% debit (Basic) |
| International card | 5.00% + USD0.30 (Basic) |
| E-wallet | 1.50% |
| DuitNow QR | 1.50% |
| BNPL | 6.50% |
| Setup fee | Free (Basic); up to RM1,500 (higher tiers) |
| Monthly / annual fee | Free (Basic); RM300–RM3,000/year (higher tiers) |
| Minimum transaction | — |
| Settlement | Contact sales |
Features
- No-code (links/forms)✓
- Developer API✓
- Recurring / subscription✓
PayHalal is a Malaysian Shariah-compliant online payment gateway operated by Souqa Fintech, regulated by Bank Negara Malaysia, PCI-DSS compliant and supervised by Amanie Advisory for Shariah governance. Merchants can accept FPX, credit/debit cards, Shariah-screened e-wallets, DuitNow QR and Islamic BNPL via hosted checkout, payment links (Email/Social Pay), APIs/SDKs and CMS plugins.
It targets Muslim-market and halal-conscious businesses (e-commerce, SMEs, enterprises) that need every transaction free of riba, gharar and haram elements.
PayHalal is one of the few here with a fully published rate card. Figures shown are the free Basic tier (FPX from 2.00% or RM1.50, credit card 3.00%, debit 2.60%, foreign card 5.00% + USD0.30, e-wallet 1.50%, BNPL 6.50%, no setup or annual fee); paid tiers (Plus/Pro/Advanced) offer progressively lower rates with setup fees up to RM1,500 and annual fees of RM300–RM3,000. Settlement period is not published — contact sales.