senangPay

senangPay Payment Gateway Overview for Merchants

senangPay is a payment gateway that enables merchants to accept online payments in Malaysia, with an expansion narrative tied to a cross-border ecosystem between Malaysia and Indonesia after joining forces with DOKU in 2022. It supports multiple local payment methods in a single integration, including FPX online banking, cards, e-wallets, and Buy Now, Pay Later options. This overview explains how senangPay works for merchants, including payment methods, checkout flows, integrations, pricing, settlement timelines, security controls, onboarding requirements, and operational tools.

What Is senangPay

senangPay provides payment acceptance capabilities for merchants selling through websites, ecommerce platforms, and social channels. It supports use cases for merchants with a full online store as well as merchants who sell without a website using payment links and invoicing. For larger businesses, senangPay offers an Enterprise package positioned for higher transaction volumes, more advanced features, and tailored requirements.

senangPay also states it empowers more than 160,000 local and international businesses as part of its current positioning alongside DOKU.

Payment Methods Supported

senangPay supports a mix of bank transfer, card, e-wallet, and deferred payment methods that are commonly used in Malaysia.

Core payment types supported include:

• Bank transfer: FPX online banking.
• Cards: Visa, Mastercard, and JCB are referenced as supported card schemes.
• Digital wallets: GrabPay, Touch n Go, Boost, and ShopeePay are referenced as supported wallet options.
• Buy Now, Pay Later: Atome, SPayLater, and PayLater by Grab are referenced as supported BNPL options.

Currency support

• Payments are supported in Malaysian Ringgit (MYR). International customers can still pay when using Visa or Mastercard, even though the transaction is processed in MYR.

Checkout And Billing Flows

senangPay offers multiple ways to collect payment, depending on how a merchant sells.

Common checkout flows include:

• Hosted payment form: A checkout flow that collects payment details through senangPay’s payment form.
• Payment links: A shareable link suitable for social selling and messaging-based commerce.
• Invoices with embedded payment options: A billing flow for merchants who want to collect payment without a full storefront.
• Embedded payment button: A merchant can embed a payment button that routes a customer to a payment form.
• Recurring payments: Tools for subscriptions and installment-style schedules, with support for schedules such as daily, weekly, monthly, and annually.
• Split payments and split settlement: A capability intended to allocate settlement to multiple parties in certain use cases.

Developer Integration Options

senangPay provides integration methods that range from basic redirect flows to more streamlined checkout implementations.

Integration approaches include:

• Manual integration API (Open API): A merchant-facing integration option that uses merchant credentials from the dashboard and configured return and callback URLs.
• Direct API: An advanced integration that can streamline checkout by skipping the traditional payment form, using a client session and a JavaScript Web SDK.
• Tokenisation API: Tokenisation to enable charging a customer’s card without repeatedly entering card details, typically used in scenarios such as repeat billing.
• Recurring API: API support designed for recurring payment use cases, including enhancements and schedule management.
• Refund API and refund guidance: API tooling and operational guidance around refunds, including timelines.
• Payout API: An automation-focused API for sending funds, positioned for reducing manual errors and operational workload.
• 3D get token: A developer-facing element related to 3D Secure flows.

Ecommerce And Third-Party Platform Integrations

senangPay references integrations for common ecommerce environments and shopping carts.

Examples of platforms and ecosystems referenced include:

• Shopify
• WooCommerce
• Adobe Magento
• OpenCart
• Joomla with Hikashop
• PrestaShop

These options are relevant when a merchant prefers a plugin-based integration rather than a custom build.

senangPay Pricing And Fees

senangPay uses a pricing model that combines a subscription fee with per-transaction charges that vary by payment method.

Subscription Plans

• Starter: RM 199 per year.
• Advance: RM 349 per year.
• Enterprise: Custom rate.

Transaction Fees By Method

senangPay publishes method-specific pricing with a minimum fee or percentage fee structure.

Examples of published rates include:

• FPX: RM 1 or 1.5% (whichever is higher).
• Credit and debit cards: RM 0.65 or 2.5% (whichever is higher).
• E-wallets: RM 0.65 or 1.5% (whichever is higher).
• BNPL: 2.0% to 6.0% depending on product.

senangPay also states the transaction rate is payable to senangPay and the payment providers as part of the payment processing service.

Settlement Time And Fund Availability

Settlement timing depends on the payment method.

• FPX next working day: FPX settlements are credited to the merchant’s bank account on the next working day, with working days defined as Monday to Friday excluding public holidays.
• Other payment methods: A T+2 working-day cycle is described as upcoming, with an implementation timeframe starting in January 2026. Until that change takes effect, settlement for other methods is processed on a Wednesday and Friday cadence under specified cutoffs.

Refunds, Disputes, And Risk Controls

Operational controls vary by payment method and may carry method-specific limitations.

• Refund availability: Refunds are not available for FPX transactions. For card refunds, a fee may apply in certain scenarios.
• Fraud controls and transaction cancellation: senangPay states it may cancel transactions it reasonably considers potentially fraudulent, unlawful, or in breach of prohibited items and service terms.
• 3D Secure: senangPay supports 3D Secure for card payments, using OTP-based verification. It also describes benefits including shifting fraud risk to the bank in certain cases.

Merchant Onboarding And Verification

senangPay describes a registration and verification flow that includes documentation checks and review.

Typical steps include:

• Completing sign-up and payment.
• Submitting required documents through the merchant dashboard.
• Verification by senangPay and its acquiring bank.

Examples of required documents referenced for registration include:

• Company SSM certification
• Director identification document
• Latest bank statement

For regulated environments and underwriting, this verification step can be a meaningful part of implementation planning, particularly for merchants with more complex setups.

Security, Compliance, And Governance Signals

senangPay references multiple governance and security indicators relevant to merchants assessing payment risk.

Examples include:

• PCI DSS compliance: senangPay states it is fully in compliance with PCI DSS Level 1 standards and references external vulnerability scan validation.
• Bank Negara Malaysia guidelines: senangPay states it follows Bank Negara Malaysia guidelines and references measures including transparency, consumer protection, and anti-money laundering controls.
• PayNet membership: senangPay references PayNet membership and alignment with Malaysia’s national payment network.
• Malaysia Digital status: senangPay references Malaysia Digital status (formerly MSC Status).

Merchant Operations, Reporting, And Support

senangPay provides a merchant dashboard for operational management and references reporting and transaction management capabilities, including transaction status checks and transaction lists via API.

Support channels referenced include:

• 24/7 support availability
• Live chat via the dashboard
• Ticket-based support via the dashboard
• Email and phone contact options

Conclusion

senangPay is structured around MYR-denominated online payment acceptance for merchants in Malaysia, with support for key local methods such as FPX, e-wallets, cards, and BNPL. It offers multiple checkout flows, including hosted payment forms, payment links, invoicing, and recurring payments, plus API-driven options like Direct API, tokenisation, payouts, and split settlement.