Boost your revenue by 30%

AhaPay is a buy now, pay later solution designed for merchants in Malaysia, enabling customers to purchase goods in installments at offline and online stores. We seamlessly integrate with your sales process, allowing your customers to spread the cost of their purchases over time.

Key benefits for merchants: a) Secured transaction with guaranteed full payment and upfront cash flow. b) Promote loyalty & retention among your customers. c) Stand out from your competitors by having more payment choices. d) Have a push factor to close a sale by making the amount affordable. e) Ability to sell more often and sell at higher ticket size f) Ability to lock down the customer for a period to gain the opportunity to upsell and cross sell. Conclusion: You want to be able to sell more and sell more often. Key benefits for customers: a) Alternative payment channel/choice i.e., better than cash, cheque etc. b) Flexibility to pay on a monthly basis or to settle the entire amount in full at customer’s discretion. c) Purchases becomes more affordable and ability to control budget. d) Enjoy 3 months FREE INTEREST and no upfront fees repayment scheme

AhaPay is an alternative to traditional financial services as it provides customers with interest-free payments over 3 months. 0% interest means customers will never pay more than the amount of their purchase as long as payments are made on time. AhaPay provides a win-win situation for both costomers, who benefit from financial flexibility and affordability, and merchants, who experience increased sales, average order amount and improved customer loyalty.

Basic eligibility requirements: 1. Business must be legal, non-gambling, non-alcoholic, not within the high-risk categories and subject to risks approval. 2. Documents needed: - SMM report; - PnL for the last 3-6 months or; - transactions statement for the last 3-6 months

Signing up is simple. Visit our website, click on "For Business", sign up, and fill in the required details. Our team will review your application and get in touch with further steps.

We only charge Merchant Discount Rate (MDR). Effective from 1st June 2026, an 8% SST will be applied on the MDR amount as required by applicable law. Example of the transaction: Transaction amount: RM 2,000. AhaPay fee (MDR): 6%. SST: 8% on the MDR amount. Tabulation: RM 2,000 – (6% MDR + 8% SST on MDR) = RM 1,870.40. Payout amount you will receive in your bank account: RM 1,870.40. What is included in the fee: Internet acquiring costs; promotion through the AhaPay customer base in the AhaPay application; marketing promotion in joint promotions; risks of non-return.

We consider several factors; including the nature of your business, the products or services you offer, the volume of monthly transactions, and the average purchase price. Based on these factors, we'll determine the transaction limit that best suits your needs.

No special equipment is required. Our platform can be accessed from any internet-connected device, such as a smartphone.

We offer flexible payment option for your clients with limits from RM 50 up to RM 3,500. Limits may vary by merchant.

We offer 24/7 customer support via email and live chat. You'll also find extensive resources and guides in our Help Center. Email: [email protected] Help Center: https://merchant-help.ahapay.my/hc/en-my

Based on an agreed schedule, you will receive the money for the items sold via AhaPay into your bank account.

When a customer chooses to pay through AhaPay, simply enter the purchase amount in the Agent app and show generated QR code to the customer.. The customer will complete the transaction on their device by scanning QR code and you’ll receive instant confirmation.

Yes, our merchant dashboard allows you to track all sales but we do not show payments as we finance the customer and he repays to us. Suggested revision: Our merchant dashboard provides comprehensive tracking of all your sales transactions. However, we don't display individual customer payment records, as we handle the financing and repayment process directly with the customers. What you'll see on the dashboard are your sales figures and the disbursements from AhaPay to you as the merchant.

If a customer chooses to request a refund, it should first be approved by the merchant and then AhaPay will send the money back to the customer. For more details, please see our refund policy

The service takes upon itself all risks of non-return. In any case, you will receive the full amount for the order.

There could be multiple reasons why your customer is unable to complete their PayLater purchase. 1. They have exceeded their AhaPay spending limit 2. They are not eligible for AhaPay 3. They have missed AhaPay repayment and their plan is frozen