Payment gateway Available
Hosted checkout page or REST API for websites, apps and marketplaces. Plugins and SDKs for common web and app stacks.
Fintech payment gateway for Asia
Your bank. Our gateway. One integration.
Papaya Pay is the payment gateway technology that connects your website, app or store directly to the bank you already trust. Keep your own merchant account with AmBank, Bank Islam, Maybank, Public Bank or RHB Bank; Papaya provides the software and integration. Headquartered in Malaysia, covering every country in Asia.
Payment solutions
Available now, in partnership with your bank.
Every Papaya Pay solution runs on our own gateway technology and settles through your merchant account at a partner bank. Papaya supplies the software; your bank holds the money.
Bank-partnered settlement Available
Funds settle to your own merchant account at AmBank, Bank Islam, Maybank, Public Bank or RHB Bank.
Cards, online banking, QR, e-wallets Available
All major local payment methods through a single connection.
Booking payments Available
Collect fares, deposits and service fees inside the Papaya booking app.
Cross-border and FX Available
Accept payments from every Asian country and settle in your own currency with clear rates.
Supplier and salary payouts Available
Send money out too: pay your suppliers in Malaysia on your behalf, and pay salaries to employees across Asia.
Banking partners
Choose your bank. Papaya connects it.
You open or keep your merchant account with the bank you prefer. Papaya Pay supplies the gateway software and integrates it directly, so you get Papaya's technology with your bank's settlement.
AmBank
Merchant account integration
Bank Islam
Merchant account integration
Maybank
Merchant account integration
Public Bank
Merchant account integration
RHB Bank
Merchant account integration
Pick your bank
Open or keep a merchant account with any of our five banking partners.
Papaya integrates
We connect your bank merchant account to the Papaya gateway and your website, app or store.
Settle to your account
Customer payments flow through Papaya's software and settle directly to your bank.
Where we operate
Every country in Asia. One gateway.
Papaya Pay covers all Asian countries, not only Malaysia. Merchants anywhere in Asia can accept payments through our gateway, and customers can pay across borders throughout the region. Malaysia is our headquarters.
MalaysiaHeadquarters
SingaporeCovered
ThailandCovered
IndonesiaCovered
PhilippinesCovered
VietnamCovered
Hong KongCovered
ChinaCovered
JapanCovered
South KoreaCovered
IndiaCovered
BruneiCovered
+ every other Asian countryAll of Asia is covered
Headquarters coverage in Malaysia: every state and federal territory
JohorKedahKelantanMelakaNegeri SembilanPahangPenangPerakPerlisSabahSarawakSelangorTerengganuKuala LumpurPutrajayaLabuan
Papaya Booking
Book, ride, deliver and pay, all in one app.
Alongside the gateway, Papaya runs an on-demand booking service. Customers book a ride, a delivery or a service in the app and pay through Papaya Pay, with the fare settled to the provider's bank account.
Rides
Book a driver, track the trip live and pay in-app.
Deliveries
Send parcels and food orders with real-time tracking.
Services
Book appointments and on-site services with upfront payment.
Built on Papaya Pay
Every booking is paid through the same gateway and bank partners.
Payouts
Pay your suppliers and your staff, across Asia.
Papaya Pay doesn't only collect payments. We send them too: we pay your suppliers in Malaysia on your behalf, and pay salaries to your employees in Malaysia and across the Asia region, all from one account.
Supplier payments on your behalf
Tell us who to pay and how much. Papaya sends the money straight to your suppliers' bank accounts in Malaysia, so you don't have to make each transfer yourself.
Salary payouts across Asia
Pay employees in Malaysia and in other Asian countries from one place, instead of arranging separate transfers in every country.
Bulk payouts
Pay many suppliers, or a whole payroll, in one batch.
Clear records
Track the status of every payout and keep a record for your accounts.
How it works
Start accepting payments in three steps.
From sign-up to your first settlement.
Sign up
Create your account and submit your business details for verification.
Integrate
Papaya connects your bank merchant account and adds checkout to your site, app or store.
Get paid
Track every payment in your dashboard and receive settlement in your own bank account.
Security
Your money and your customers' data, protected.
Security is built into every layer of the platform.
Encrypted end to endPayment data is encrypted in transit and at rest.
Tokenised card dataCard numbers are replaced with tokens, so you never store them.
Fraud monitoringSuspicious transactions are flagged before they cost you.
For developers
Integrate in an afternoon.
Copy-ready examples for the most common integrations. Endpoints and keys shown are examples only.
FAQ
Questions about Papaya Pay
Quick answers about the company, our bank partners and how the gateway works.
What is Papaya Pay Berhad?
Papaya Pay Berhad (company registration no. 20241035111 / 1580958-H) is a fintech payment gateway company headquartered in Malaysia. It provides payment gateway software and direct bank integration for merchants in every country in Asia.
How does Papaya Pay work with my bank?
You keep your own merchant account with your chosen partner bank. Papaya Pay provides the payment gateway software and integrates it directly with that account, so customer payments flow through Papaya's technology and settle into your own bank account.
Which banks does Papaya Pay partner with?
Papaya Pay's banking partners are AmBank, Bank Islam, Maybank, Public Bank and RHB Bank.
Which countries does Papaya Pay cover?
Papaya Pay is headquartered in Malaysia, with coverage of every state and federal territory, and serves merchants and cross-border payments in all Asian countries, including Singapore, Thailand, Indonesia, the Philippines, Vietnam, Hong Kong, China, Japan, South Korea, India and Brunei.
What payment methods can merchants accept?
Through one integration, merchants can accept cards, online banking, QR payments and e-wallets, plus cross-border payments from across Asia.
Can Papaya Pay pay my suppliers and employees?
Yes. Papaya Pay pays suppliers in Malaysia on your behalf, sending the money directly to their bank accounts, and pays salaries to employees in Malaysia and across the Asia region from one account.
What is Papaya Booking?
Papaya Booking is Papaya's on-demand booking service, similar to Grab. Customers book rides, deliveries or services in the app and pay through Papaya Pay.
Is Papaya Pay Berhad related to Papaya Global or the US bill-payment app Papaya?
No. Papaya Pay Berhad is a separate Malaysian company. It is not affiliated with Papaya Global, the payroll company, or with Papaya (papayapay.com), the US bill-payment app.
How do I open a merchant account with Papaya Pay?
Send an enquiry through the contact form on papayapayberhad.com.my. Tell us your bank, your country and what you sell, and the Papaya Pay team will guide you through setup and integration.
Company
About Papaya Pay Berhad
A fintech company headquartered in Malaysia, building payment gateway technology for merchants in every Asian country, in partnership with leading banks.
- Legal name
- Papaya Pay Berhad
- Website
- papayapayberhad.com.my
- What we do
- Fintech payment gateway technology: checkout software and direct bank integration for merchants across Asia, plus supplier payments in Malaysia and salary payouts across Asia
- Banking partners
- AmBank, Bank Islam, Maybank, Public Bank, RHB Bank
- Markets
- All Asian countries (headquarters in Malaysia)
- Products
- Papaya Pay gateway, Papaya Payouts and Papaya Booking app
- Who we serve
- Enterprises, SMEs, e-commerce merchants, marketplaces, shops, freelancers and individuals
- Company registration no.
- 20241035111 (1580958-H)
Contact us
Bring your bank. We'll bring the technology.
Open an account, request a demo or ask a question. Our team will get back to you.
Thanks, we've got your enquiry.
The Papaya Pay team will be in touch soon.