Paydibs

Paydibs: Payment Acceptance Overview For Merchants

Paydibs is a payment service provider focused on helping merchants accept and manage payments across online and in-person channels. Paydibs supports card payments, bank-based payment options, QR-based payments, and a range of local and regional payment methods. It also offers merchant-facing tooling for monitoring transactions and settlements, along with security features such as tokenisation and 3D Secure.

What Paydibs Offers

Paydibs positions its offering around two primary acceptance environments:

• Online payments for websites and mobile app sales

• In-person payments using a smart payment terminal

The platform is designed to support common merchant needs such as payment acceptance, settlement reporting, and operational monitoring through a merchant dashboard or web portal.

Paydibs Coverage And Currencies

Paydibs is established in Malaysia and supports payment channels that are widely used in the Malaysian market, including card networks, DuitNow QR, FPX online banking, and local e-wallets.

Supported currencies explicitly referenced include:

• MYR

• SGD

• USD

Paydibs also references additional currencies beyond these, without providing a complete published list.

Payment Acceptance Channels

Online Payments (Web And In-App)

Paydibs supports online payment acceptance for:

• Websites (web checkout)

• Mobile applications (in-app or mCommerce flows)

This is relevant for merchants that sell through ecommerce storefronts, booking flows, subscriptions, or digital services delivered through web and app environments.

POS Terminal Payments

For in-person acceptance, Paydibs provides an in-person payment solution using a smart terminal. The terminal capability includes support for QR payments and contactless payments, which is relevant for retail counter payments, service businesses, and other face-to-face transactions.

Supported Payment Methods And Schemes

Paydibs supports multiple payment types, including cards, bank payments, QR rails, e-wallets, and buy now, pay later products.

Cards

Card schemes and card-related methods referenced include:

• Visa

• Mastercard

• MyDebit

• UnionPay

Bank And Real-Time Payment Options

Paydibs references both online banking payments and real-time payment rails, including:

• FPX (online banking)

• DuitNow and DuitNow QR (real-time payment system and QR payments)

Digital Wallets And QR Payments

E-wallets and wallet-like methods referenced include:

• Touch ‘n Go eWallet

• GrabPay

• Boost

• MAE

• S Pay Global

• ShopeePay

In addition, Paydibs references several regional and cross-border wallet and local method brands, including:

• Alipay

• WeChat Pay

• PayNow

• Dragonpay

• VTC

Paydibs also references upcoming or planned support for additional methods such as Alipay+ and PromptPay.

Buy Now, Pay Later

Buy now, pay later options referenced include:

• Shopee PayLater

• Atome

• Grab PayLater

Checkout And Billing Flows

Paydibs supports QR-based acceptance flows. For example, QR code payments are supported in terminal contexts and in payment app flows where customers and merchants use scanning interactions.

Paydibs also references hosted payment page capability as part of its online acceptance and integration model. This can be relevant for merchants that prefer a redirect or hosted checkout flow rather than collecting card details directly in their own environment.

Integrations And Developer Options

Paydibs supports multiple approaches to implementation, including:

• Plugin-based integrations for select ecommerce platforms

• API-based integrations for custom websites and custom platforms

• A hosted payment page model

Ecommerce Platform Plugins

Third-party platform integrations referenced include:

• Magento

• WooCommerce

• Shopify

• EasyStore

This is relevant for merchants that want a packaged integration path rather than building a payment flow from scratch.

API Integration

Paydibs references API integrations and the existence of API documentation. If you plan to build a custom checkout or integrate Paydibs into a bespoke platform, validate the specific API scope you need (payments, refunds, settlements, reconciliation, dispute workflows) during implementation planning.

SDK Support

Paydibs references mobile SDK availability for:

• Android SDK (coming soon)

• iOS SDK (coming soon)

Merchants building native mobile experiences should confirm current availability and implementation details as part of technical due diligence.

Pricing And Fees

Paydibs publishes some pricing components, while other commercial terms are not expressed as a public schedule.

Published Fees

Published elements include:

• Signup fee for local merchants: free

• Signup fee for foreign merchants: USD 120.00

• Yearly maintenance fee (online): RM 300

• Yearly connection fee (terminal): RM 120

Transaction Pricing

For in-person acceptance, Paydibs references MDR rate, but a specific percentage is not disclosed in the publicly accessible pricing information. Where transaction fees or MDR rates are not published, merchants should treat pricing as merchant-specific and confirm the full commercial schedule during onboarding.

Settlement And Payout Timing

Paydibs references fast payouts with different settlement timelines depending on the specific processing arrangement:

• T+2 when Paydibs is the acquirer

• T+1 when Paydibs is the payment gateway

The payout timing is described as subject to approval. Merchants should confirm which model applies to their account, and whether different payment methods settle on different timelines.

Compliance, Security, And Risk Controls

Paydibs references several security and operational controls relevant to merchant risk and compliance.

Security Controls

Security and payment protection capabilities referenced include:

• PCI DSS compliance

• Tokenisation for card data

• 3D Secure support

These capabilities are typically used to reduce card data exposure, improve security posture, and support authenticated card transactions.

Fraud And Dispute Controls

Risk and operations capabilities referenced include:

• Real-time fraud monitoring

• Risk rules and controls such as IP filtering

• Built-in chargeback management

Merchants should confirm how these controls are configured, what defaults apply, and whether advanced rules require additional setup or review.

Reporting And Merchant Operations

Paydibs references merchant-facing tools to manage activity and reporting, including:

• A merchant dashboard or web portal

• Real-time operational data

• Settlement reporting

For finance and operations teams, settlement visibility and downloadable settlement reports are key to reconciliation and accounting workflows. Confirm export formats and settlement detail granularity if you have strict reconciliation requirements.

Support And Onboarding

Paydibs references:

• 24/7 hotline help desk support

• Email support

• Phone support

For onboarding and implementation timing, Paydibs references quick deployment in the range of 3 to 7 days. This is best treated as a typical deployment window rather than a guaranteed onboarding SLA.

Partner And Referral Options

Paydibs references a reseller program that includes recurring commission, described as up to 30% recurring commission. This is relevant for agencies, consultants, or platform providers that refer merchants or embed payments as part of a broader solution.

Conclusion

Paydibs provides merchants with payment acceptance across online (web and in-app) and in-person (smart terminal) channels, with support for cards, FPX online banking, DuitNow QR, multiple e-wallets, and buy now, pay later options. The platform includes merchant tooling for monitoring and settlement reporting, plus security features such as tokenisation, 3D Secure, and PCI DSS compliance.