CardBizPay

CardBizPay: Online Payment Gateway For Malaysian Merchants

CardBizPay is an online payment gateway that enables merchants to accept digital payments through a single platform. CardBizPay is presented for website checkout, payment links used in social and remote selling, and API-based in-app payments. In the broader CardBiz Payment Services portfolio, in-person acceptance is supported through POS terminals.

CardBizPay Overview

CardBizPay is positioned as a unified payment service platform that combines payment acceptance with operational tooling. Highlighted functions include payment links, recurring payments and subscriptions, card tokenization for stored card details, a merchant portal and dashboard for real-time monitoring, reporting and data export, and transaction alerts via SMS, email, or app notifications. CardBizPay also references dedicated customer support.

Payment Acceptance Channels

CardBizPay describes the following acceptance channels:

• E-Commerce Platform: online payments from websites and web stores

• Social Media And Blogs: payment links for merchants without a full web store

• Mobile Apps: in-app payments supported through API integration

• Retail Payment: in-store payments supported with POS terminals

Supported Payment Methods And Schemes

CardBizPay supports cards, FPX online banking, and e-wallets.

Cards

Supported card schemes include:

• Visa

• Mastercard

• MyDebit

Online Banking And FPX

CardBizPay supports online banking and FPX. A published fee schedule lists per-transaction pricing for FPX B2C and B2B payments and additional per-transaction charges for settlement, refunds, and chargebacks.

Digital Wallets

CardBizPay lists support for multiple e-wallet options, including Touch ‘n Go Digital, Boost, GrabPay, ShopeePay, Maybank QRPay, DuitNow, WeChat Pay, and Alipay+. A CardBizPay rate table also publishes MDR rates for WeChat Pay (Malaysia) and cross-border Alipay and WeChat Pay options.

Checkout And Billing Flows

Payment Links

Merchants can create a payment page and share it via email, WhatsApp, or SMS for customers to pay through a link.

Recurring Payments And Subscriptions

CardBizPay supports recurring billing operations for subscription and repeat-payment models.

Saved Cards And Tokenization

CardBizPay includes card tokenization to store customer card details for faster future payments, with developer materials referencing payment pages that support saved credit cards. In the CardBizPay feature description, tokenization is framed as replacing sensitive data with unique identifiers called tokens.

MOTO And Remote Orders With eMOTO

CardBizPay also offers eMOTO (e-Mail Order / Telephone Order) for transactions where the customer places an order through email or telephone calls. eMOTO is presented as supporting secure transactions with encryption and fraud prevention controls, and as providing APIs and plugins to incorporate payment processing into an online store or application.

Merchant Portal, Alerts, And Reporting

CardBizPay describes a merchant portal and dashboard that supports real-time transaction tracking, data export, and report generation, including reporting framed around tax filing and claims. Transaction alerts are described as available via SMS, email, or app notifications, with SMS and email delivery of e-receipt notifications described as delivered within seconds.

Developer Integration

CardBizPay supports app integration through API-based payments and publishes developer documentation. The developer area includes Merchant API and Open Payment API sections and references items such as transaction flow diagrams, hash signature security controls, and payment APIs including payment, enquiry, void, refund, and MDR enquiry functions.

Security And Compliance

CardBizPay states compliance with PCI DSS security standards, assessed and certified by external Payment Application Qualified Security Assessors (PA QSA). It also states that processes adhere to Bank Negara guidelines and that it is compliant with standards and guidelines by PayNet and MyDebit. The product highlights security measures intended to reduce fraud risk and includes chargeback prevention positioning linked to tracking of payment processes.

Pricing And Fees Snapshot

CardBizPay publishes a fee schedule with the following commercial terms:

• Setup fees: waived

• Annual fees: waived for the first year

• No minimum transaction volume requirements are stated

Published MDR and fee examples include:

Cards

• Visa and Mastercard credit: 1% to 2.0%

• Visa and Mastercard debit: 1% to 2.0%

• Overseas premium card: 2.40%

E-Wallets

• Boost: 1.2%

• GrabPay: 1.2%

• Maybank QRPay (push): 1.2%

• ShopeePay: 1.2%

• Touch ‘n Go Digital: 1.2%

• WeChat Pay (Malaysia): 1%

• Alipay cross-border (China): 1.5%

• WeChat Pay cross-border (China): 1%

FPX

• B2C: RM1.00 per transaction

• B2B: RM1.50 per transaction

• Settlement: RM1.00 per transaction

• Refund: RM1.00 per transaction

• Chargeback: RM1.00 per transaction

Payment Processing Times

CardBizPay guidance states that most payments are processed instantly, with timing varying by method. Card payments are usually instant but may take up to 24 hours in some cases; e-wallets are typically instant; and FPX and bank transfer payments are usually within minutes but can take up to 1 to 2 business days.

Industries And Merchant Fit

CardBizPay is presented as suitable for businesses of all sizes, with solutions described across industries such as retail, e-commerce, financial institutions, tourism, government, and entertainment. The feature set is aligned with merchants that want to support Malaysian payment preferences across cards, FPX, and local wallets, and that benefit from link-based collection, subscription billing, and centralized monitoring through a merchant portal.

POS Terminals For In-Person Acceptance

CardBiz Payment Services describes POS terminals for in-person payments that support swipe, tap, or scan, including scanning a QR code or tapping a phone, with plug-and-play setup.

Conclusion

CardBizPay is a Malaysia-focused payment gateway supporting cards (Visa, Mastercard, MyDebit), FPX online banking, and multiple e-wallets. It covers web checkout, payment links, API-based in-app payments, and MOTO-style orders through eMOTO for email and telephone transactions. Merchant operations are centered on a portal and dashboard with real-time tracking, reporting and export, e-receipt notifications, and transaction alerts. CardBizPay also describes PCI DSS alignment assessed by external PA QSA and references guideline alignment with Bank Negara, PayNet, and MyDebit. It also highlights fraud reduction and chargeback prevention measures.