0% Credit Card
Instalment Payment Plan
The fastest and simplest way for Malaysian merchants to offer multi-bank 0% IPP to Customers.
One application. Nine major banks. Access 60% of credit cardholders in Malaysia — all through CommercePay.
Multi-Bank Coverage
One Application, 9 Major Banks
CommercePay aggregates Malaysia's top banks under a single sign-up — no separate applications needed.
Simple Onboarding
Up and Running in ~1 Week
Minimal effort, maximum reach. Here's how you get started with 0% IPP.
Submit One Application
Apply once through CommercePay and get access to all 9 participating banks simultaneously — no redundant paperwork.
Fast Approval Process
Our streamlined verification means you can be fully approved and ready to go in as fast as one week.
Start Offering 0% IPP to customers
Your customers can immediately split purchases into interest-free monthly instalments right at checkout.
Why CommercePay
The Fastest & Simplest Way
Everything you need to offer 0% IPP — without the complexity.
Single Application
One form covers all 9 banks. No chasing multiple banks, no redundant paperwork, no wasted time.
60% Market Reach
Instantly reach 60% of Malaysian credit cardholders across all major issuing banks in one go.
Go Live in ~1 Week
The fastest onboarding in the industry — get you accepting IPP payments in days, not months.
0% for Customers
Customers pay zero interest — making big purchases more accessible and boosting your conversion rate.
Flexible Repayment
Available Tenures & Rates
MDR per transaction, charged once for the entire instalment period.
Click a tenure card to highlight the table below
Ready to Get Started?
Offer 0% IPP to Your
Customers Today
Get started with CommercePay and give your customers the flexibility to pay in interest-free instalments across 9 major Malaysian banks.