Best Payment Gateways for Shopify Stores in Malaysia

You’ve built your Shopify store, perfected your product photos, and crafted compelling descriptions. You’re ready to start selling to customers across Malaysia. But before you launch, you need to answer a critical question: how will you get paid? The choice of a payment gateway is one of the most important decisions a Shopify merchant can make.

A payment gateway is the technology that securely connects your store to your customers’ banks, allowing you to accept online payments. The right gateway can significantly boost your sales by offering the payment methods Malaysians trust, while the wrong one can lead to lost customers and a complicated checkout experience.

This guide will walk you through the essential features to look for in a Shopify payment gateway in Malaysia and explain how a modern solution can streamline your operations and help your business grow.

Key Takeaways

• Local Payment Methods are Non-Negotiable: To succeed in Malaysia, your Shopify store must accept FPX and DuitNow QR. These are the most trusted and preferred online payment methods for Malaysian consumers.
• Ease of Integration Matters: The best gateways offer a simple, “plug-and-play” Shopify app that you can install and configure in minutes, with no coding required.
• Look Beyond Just Fees: While transaction fees are important, also consider the gateway’s security, reliability, and the quality of its customer support.
• Security is Paramount: A gateway must be PCI DSS compliant to protect your business and your customers from fraud and data breaches.
• A Unified Solution is Best: A modern payment gateway like Razorpay Curlec provides a single, unified platform to accept all key payment methods, with automated reconciliation to simplify your finances.

5 Essential Features to Look for in a Shopify Payment Gateway

Choosing a gateway isn’t just about finding the lowest rate. For a Malaysian Shopify store, these five features are critical for success.

1. Acceptance of Local Malaysian Payment Methods

This is the most important factor. If customers don’t see their preferred payment option at checkout, they will abandon their cart. Your gateway must support:

• FPX (Financial Process Exchange): The leading online payment method in Malaysia, allowing customers to pay directly and securely from their online banking accounts.
• DuitNow QR: Malaysia’s national QR code standard, allowing customers to pay instantly from their mobile banking and e-wallet apps.
• Credit/Debit Cards: Essential for accepting payments from a wide range of local and international customers.

2. Simple and Seamless Shopify Integration

You shouldn’t need to be a developer to connect your payment gateway. Look for a provider that offers a dedicated Shopify app. A good integration should be:

• Easy to Install: A simple one-click installation from the Shopify App Store.
• On-Site Checkout: The payment process should happen directly on your website, without redirecting customers to an external, unbranded page, which can erode trust.

3. Transparent and Competitive Fees

Processing fees directly impact your profit margins. A good gateway will offer a clear and transparent pricing structure, with no hidden charges. While costs are a factor, remember that a slightly higher fee for a more reliable and feature-rich gateway is often a worthwhile investment.

4. Top-Tier Security and Compliance

When you accept payments, you are handling sensitive customer data. Your payment gateway is your first line of defence. Ensure your provider is PCI DSS compliant, which is the global standard for payment data security. This protects your business from the immense financial and reputational risk of a data breach.

5. Automated Reconciliation and a Unified Dashboard

A modern payment gateway does more than just process payments. It should act as a financial tool that simplifies your operations. A provider like Razorpay Curlec offers a single dashboard where you can see all your transactions from all payment methods (FPX, cards, DuitNow) in one place, with automated reconciliation that saves you hours of manual accounting work.

Did You Know?

According to a Shopify report, stores that offer local payment methods can see a significant increase in their conversion rates. For Malaysian merchants, simply adding FPX as a checkout option has been shown to boost sales, as it taps into the deep trust consumers have in their local banking system.

How to Integrate a Razorpay Curlec Payment Gateway with Your Shopify Store: A Step-by-Step Guide

With a modern payment gateway like Razorpay Curlec, the process is incredibly simple and takes just a few minutes, with no coding required.

Step 1: Sign Up with Razorpay Curlec

First, create your merchant account with Razorpay Curlec to get access to your dashboard and complete your business verification.

Step 2: Install the Razorpay Curlec App from the Shopify App Store

Go to the Shopify App Store, search for the official “Razorpay Curlec” app, and add it to your Shopify store.

Step 3: Generate Your API Keys

Log in to your Razorpay Curlec dashboard. Navigate to the API settings section to generate your unique Key Id and Key Secret. These keys are the secure credentials that will link your store to the payment gateway.

Step 4: Configure the Gateway in Your Shopify Settings

In your Shopify Admin panel, go to Settings > Payments. Under “Supported payment methods” or “Additional payment methods”, search for and select “Razorpay Curlec”. In the configuration screen, enter the Key Id and Key Secret that you generated from your dashboard.

Step 5: Activate Payments

After entering your keys, review the settings and click “Activate”. Your Shopify store is now connected and ready to securely accept all major Malaysian payment methods.

Ready to Power Your Shopify Store with Malaysia’s Top Payment Methods?

Don’t let a poor payment experience limit your sales. Give your customers the seamless and secure checkout they deserve.

Learn how Razorpay Curlec‘s Shopify Payment Gateway can work for you.

Conclusion

Choosing a payment gateway for your Shopify store is a strategic decision. By prioritizing local payment methods, ease of integration, and robust security, you are not just setting up a way to get paid; you are building a foundation of trust with your customers and creating an efficient operational backbone for your business. The right payment gateway acts as a true partner in your growth journey.

Frequently Asked Questions (FAQs) for Malaysian Shopify Merchants

Can I use more than one payment gateway on my Shopify store?

While Shopify allows for multiple payment providers, it’s generally best to consolidate your payments through a single, unified gateway. This simplifies your financial reconciliation, gives you a single point of contact for support, and can help you secure better rates as your volume grows.

What is the difference between Shopify Payments and a third-party gateway?

Shopify Payments is Shopify’s own built-in payment processor. However, its support for local Malaysian payment methods like FPX and DuitNow can be limited. A third-party gateway like Razorpay Curlec is a specialized local provider that ensures you can offer all the payment options your Malaysian customers expect.

How long does it take for money to reach my bank account?

This is known as the settlement time. For most payment gateways in Malaysia, the standard settlement cycle for transactions is T+2, meaning the funds from a sale will be deposited into your business bank account two business days after the transaction.

Do I need to be PCI compliant myself if I use a secure payment gateway?

Using a PCI DSS compliant gateway like Razorpay Curlec drastically reduces your own PCI compliance burden. Because the gateway handles the sensitive cardholder data in its secure environment, you avoid the complexity and cost of achieving and maintaining full compliance yourself.