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0% Instalment Payment Plan

Spike up sales with credit & debit card instalment, no terminal required.

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0% credit card instalment

In partnership with EZBeli. The first and only in Malaysia, up to 60 months instalment from 9 banks. No terminal needed, so you can close sales anywhere with simple payment links & QR codes.

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Debit card & Grab instalment

Need debit card instalment? Try our buy-now-pay-later plan.

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0% credit card instalment plan

Create an instalment payment link or QR code on our partner platform, Ezbeli, and let your customers pay by credit card installment via 9 major banks in Malaysia.

Suitable for SMEs as well as corporates

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Housing Contractor

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Furniture Business

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Beauty & Skincare

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Wedding Business

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Online Business

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FB Live Entrepreneurs

Why choose Payex instalment payment plan?

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No terminal required

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Partnered with 9 banks

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Licensed by Bank Negara

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Tenure of up to 60 months

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Max amount based on credit limit

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Easy-to-use payment link

Learn more →

Credit card instalment fees imposed by banks

6 mos
12 mos
18 mos
24 mos
36 mos
48 mos
60 mos
RHB
4.00%
5.00%
7.50%
8.00%
AmBank
4.00%
4.50%
7.00%
8.00%
8.50%
9.00%
Public Bank
5.00%
6.00%
7.00%
7.50%
OCBC Bank
4.00%
5.00%
7.00%
8.00%
CIMB
6.00%
6.50%
8.00%
8.50%
9.00%
12.00%
UOB
4.00%
5.00%
6.50%
7.00%
Maybank
4.50%
5.20%
6.50%
8.00%
8.50%
Affin Bank
3.80%
5.00%
6.00%
7.50%
Hong Leong Bank
5.00%
5.50%
6.50%
8.00%

Credit card instalment minimum eligible amount (RM)

6 mos
12 mos
18 mos
24 mos
36 mos
48 mos
60 mos
RHB
500.00
1,000.00
1,500.00
2,000.00
AmBank
500.00
1,000.00
1,500.00
2,000.00
2,500.00
3,000.00
Public Bank
500.00
500.00
500.00
500.00
OCBC Bank
500.00
1,000.00
2,000.00
2,000.00
CIMB
600.00
1,200.00
2,400.00
3,600.00
4,800.00
6,000.00
UOB
500.00
500.00
1,000.00
2,000.00
Maybank
500.00
1,500.00
2,000.00
2,500.00
2,500.00
Affin Bank
500.00
1,000.00
1,000.00
1,000.00
Hong Leong Bank
500.00
1,000.00
1,000.00
2,000.00

Frequently Asked Questions

No, you must have a company registered with Suruhanjaya Syarikat Malaysia (SSM) to register for a Payex account.

For example, for an item priced at RM41,000, with a 24-month instalment with Public Bank:

Instalment fees: RM41,000 x 7% = RM2,870

Settlement to merchant: RM41,000 – RM2,870 = RM38,130

Monthly charges by bank to your customer: RM41,000 / 24 months = RM1,708.33

Please refer to this table for the minimum eligible amount for each bank.

For small ticket size purchases, we are also partnered with PayLater by Grab, Atome and Riipay for 3-month instalment plans.

Customers pay via your payment link or by scanning your QR code.

Learn more about our Payment Link & QR Code feature here.

Nope! We guarantee that there is no setup fee or other hanky panky hiding in the corner.

UOB bank: 7 working days

All other banks: 3 working days

The seller bears the instalment fees.

Applications will be processed within 3 working days.

Click here to register for a Payex account.

If you have further questions, feel free to leave us a message on Facebook and we will respond to you soonest possible.

Debit card & Grab instalment

Need debit card instalment? Try our buy-now-pay-later plan.

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BNPL options offered by Payex

Tenure
Max amount (RM)
Starter plan (transaction fees)
SME plan (transaction fees)
via debit card
3 months
1,500.00
5.50%
5.00%
via credit card
3 months
5,000.00
5.50%
5.00%
3 months
1,600.00
6.50%
6.25%
instalment
4 months
4,000.00
8.00%
7.50%
postpaid
1 month
4,000.00
6.00%
5.50%

Need automated deductions?

To explore instalment by auto-deducting customers’ bank account, see our subscription payment feature.

Kickstart your account for free

Sign up in just a few minutes and start accepting payments in a few days. No setup fee or other hanky panky hiding in the corner.

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Subscription Payment

Auto deduct from customers’ bank accounts or cards at whatever timeline suits you best. No more late payments and manual processes.

Learn more →

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Payment Link & QR Code

Create your own payment link & QR code to collect payment from anywhere. Don’t be held back by a single platform — maximise your sales potential and reach as many customers as possible.

Learn more →

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