OCTIS vs Stripe vs Billplz for Malaysian online businesses
Billplz is cheaper per FPX payment. Stripe is stronger for subscriptions and global cards.
Last checked · 2 sources
Otty's short answer
For a Malaysian shop where most customers pay by FPX, Billplz costs less: RM1.25 per B2C FPX payment on the free plan, against Stripe's 3% + RM1.00. Stripe suits SaaS and sellers who need international cards, subscriptions and developer tools. Many merchants run Billplz for local bank transfers and Stripe for cards.
Side by side
Swipe to see every column
| What matters | OCTISSdn Bhd + OCTIS | Stripe | Billplz |
|---|---|---|---|
| Setup fee | Set by our licensed partner; quoted before you commit | RM0 | RM0 on Basic |
| Monthly or annual fee | Set by our licensed partner; quoted before you commit | RM0 | RM0 Basic, RM999 per year Standard |
| FPX fee | Included, via licensed partners; rates set from your current bill | 3% + RM1.00 | RM1.25 B2C, RM3.00 B2B |
| Domestic cards | Included, via licensed partners | 3% + RM1.00 | 1.8% (MYR cards) |
| International cards | Included, via licensed partners | +1% and +2% FX | 3.8% non-MYR cards |
| E-wallets | Included, via licensed partners | GrabPay 3% | 1.5% (TNG, Boost, GrabPay) |
| DuitNow | Included, via licensed partners | Not listed | DuitNow QR 1.5% |
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Sdn Bhd + OCTIS
Choose OCTIS if you want collecting and sending payments, a multi-currency business account and bookkeeping arranged together, via licensed partners.
Stripe
Choose Stripe if you sell software or subscriptions to international customers and want strong developer tools.
Billplz
Choose Billplz if most buyers pay by FPX or DuitNow and you want the lowest per-payment fee.
What the table does not show
The fee gap
On a RM100 FPX order, Billplz Basic takes RM1.25 and Stripe takes RM4.00. On a RM1,000 order the gap is RM1.25 against RM31.00. FPX is Malaysia's most-used online payment, so this matters. Billplz Standard drops FPX to RM0.75 but costs RM999 per year. Taxes may apply on top, so confirm on each pricing page.
Cards and global sales
Stripe adds 1% for international cards plus 2% for currency conversion. Billplz lists 1.8% for MYR cards and 3.8% for non-MYR cards on Basic. Billplz card, wallet and auto-deduct methods need a separate application, and approval timelines vary.
Which licence
Neither pricing page states a Bank Negara licence number, so ask each provider for its current licence status before you integrate. Payment gateways that hold merchant funds are regulated differently from banks, and neither is a PIDM-protected deposit taker.
Where OCTIS fits
Payment fees hit your margin and your books at the same time. OCTIS bookkeeping matches gateway payouts to bank deposits and sales, so fees are booked correctly before tax filing. OCTIS is not a payment gateway and has no partnership with Stripe or Billplz. Ask about 10–30% off your current bill.
Frequently asked questions
Is Billplz cheaper than Stripe in Malaysia?
For FPX and local cards, yes, based on published rates: RM1.25 per B2C FPX payment and 1.8% for MYR cards on Basic, against Stripe's 3% + RM1.00. For international cards the gap is smaller.
Does Stripe support FPX in Malaysia?
Yes. Stripe's Malaysia pricing lists FPX at 3% + RM1.00. It does not list DuitNow on that page.
Do Billplz and Stripe charge monthly fees?
Stripe charges none. Billplz Basic is free, and Billplz Standard is RM999 per year in the page's layout. Stripe also charges US$10 per month for an optional custom checkout domain.
How fast do I get my money?
Billplz settles FPX the next business day and cards in T+2. Stripe lets you choose rolling, weekly or monthly payouts, with instant payouts at 1% (minimum RM2.00).
Sources
Checked on the date above. Links open the provider's or regulator's own page.