OCTIS vs CHIP — summary
CHIP is a strong, transparent gateway: FPX from RM1.00, local credit cards 2.0%, and no setup, monthly or annual fee. If collection is the only job, that is hard to fault. OCTIS covers collection too, via licensed partners, and also runs the Sdn Bhd behind it, for 10–30% below your current bill or their quote. 3E Accounting offers no payments of its own.
- Collection plus the whole company in one system
- Built-in CRM, automation and Otty AI agents
- FX, corporate card and international account via licensed partners
- 10–30% below your current bill or their quote
Is OCTIS cheaper than CHIP?
Yes. Send CHIP's quote or your current bill on WhatsApp, and OCTIS prices the same work 10–30% lower than it. Incorporation is at least 10% below their published price. Every price comes with the Lowest Price Guarantee and a 30-day money-back guarantee, terms apply, and licensed professionals check every filing. There is no list price to compare against: your quote or bill is the starting point, so the saving is measured against what you would actually pay.
Can I keep CHIP and still use OCTIS?
Yes. Tell us what you collect through CHIP today and we will confirm what to move and what to leave before quoting.
Is OCTIS a bank or payment licence holder?
No. Payments, FX, the corporate card and the international business account are provided by licensed partners, and OCTIS connects them to your company workspace.
Does 3E Accounting take payments?
Not as its own service. On its Malaysia pages 3E offers a bank referral and a bank-opening resolution, not a payment gateway.