eGHL still works. The name is fading.
Malaysian sellers who search “eGHL payment gateway” land on a gateway that now sits under NTT DATA’s ADAPTIS brand, with fees quoted rather than published. Here is what the older rate card said, what to ask for today, and when Billplz or Senangpay costs less.
What Is the eGHL Payment Gateway, and Is It Still Called eGHL?
eGHL is an online payment gateway from GHL Systems Berhad that lets Malaysian merchants take cards, FPX online banking, and e-wallets through one integration. NTT DATA agreed to buy 58.7% of GHL Systems on 27 May 2024, per NTT DATA’s press release. The gateway is now marketed as ADAPTIS Payment Gateway.
GHL Systems built its name on payment terminals, with over 480,000 installed across Malaysia, the Philippines, and Thailand, per NTT DATA’s announcement. eGHL was its online gateway. After the deal, GHL Systems became NTT DATA Payment Services. In 2025 the group unveiled ADAPTIS as its payments brand, per CRN Asia.
NTT DATA already owned iPay88, which it bought in 2015, per its own release. At the ADAPTIS launch, NTT DATA’s Shinichiro Nishikawa spoke of “bringing together Asian payments industry leaders under the NTT DATA Payment Services umbrella.” Some reviews read that as eGHL and iPay88 merging. We found no public notice that spells out what changes for an existing contract, so treat “merged” as unconfirmed until your account manager confirms it in writing.
The clearest sign that eGHL now trades as ADAPTIS is the merchant FAQ. It says “ADAPTIS Payment Gateway” throughout and still lists an eghl support address.
What that changes for you:
- Ask for ADAPTIS on the sales call. Quotes, contracts, and dashboards may carry the new name.
- Expect old names in old guides. Plugin pages and blog posts may still say eGHL.
- Check the date on any table that lists eGHL and iPay88 as separate rivals. Our own iPay88 fees breakdown covers the iPay88 rate card in full.
How Much Does eGHL Cost in Malaysia?
The last eGHL rate card we found, from a reseller listing, put card fees at 1.4% to 2.4% and FPX at 1.6% to 2.4% or RM 0.60 minimum, depending on plan, with setup fees of RM 499 to RM 5,000. A 2026 review puts ADAPTIS at an indicative 2.8% to 3.2%. Neither is an official quote.
Lead with the caveat: NTT DATA Payment Services does not publish gateway pricing on the pages we checked. The eGHL figures below come from an older reseller listing that returned a “not found” error when we re-checked it on 25 September 2026. Use them as history, not as a quote.
| Gateway | Percentage fee | Fixed fee | Settlement |
|---|---|---|---|
| eGHL (older reseller listing) | Cards 1.4% to 2.4%. FPX 1.6% to 2.4% | FPX minimum RM 0.60. Setup RM 499 to RM 5,000 by plan | W+4, as listed |
| ADAPTIS (indicative band) | 2.8% to 3.2% on cards and online banking | Setup and annual fees have historically applied | Not published |
| iPay88 SME plan | FPX and local credit cards 2.7%. E-wallets 1.5% | FPX minimum RM 0.60. Setup RM 527 and RM 540 a year, with SST | Twice a week |
| Billplz Basic | Cards 1.80% | RM 1.25 per FPX transaction | Next business day (FPX), T+2 (cards) |
| Senangpay | Cards 2.50%. FPX 1.50% | Minimum RM 0.65 (cards), RM 1.00 (FPX) | Twice a week |
Sources: eGHL from the older reseller listing described above. ADAPTIS band from Cravings in Malaysia, September 2026, which calls it indicative and subject to change. iPay88, Billplz, and Senangpay from our own breakdowns of iPay88 fees and Malaysian gateways. Confirm every rate with the gateway before signing.
The older listing split eGHL into Standard, Premium, and Corporate plans, with setup fees of RM 499, RM 2,500, and RM 5,000. It also showed RM 25 a month on the lower plans when monthly transactions stayed under RM 15,000, and it added 8% SST on top of its fees.
Want the same fee math for Malaysia, Singapore, and the UAE? Download the Payment Gateway Fee Comparison Matrix. Free. No pitch.
What do the fees add up to at RM 50,000 a month?
At RM 50,000 a month, split across 350 FPX and 150 card orders of RM 100, Billplz Basic costs about RM 708 in transaction fees. Senangpay is about RM 900, iPay88 SME about RM 1,350, and the older eGHL card RM 770 to RM 1,200. ADAPTIS at its indicative band lands at RM 1,400 to RM 1,600.
Here is the arithmetic from the rates above. It excludes setup fees, annual fees, and SST.
| Gateway | Monthly transaction fees |
|---|---|
| Billplz Basic | RM 708 |
| eGHL, older listed rates | RM 770 to RM 1,200 |
| Senangpay | RM 900 |
| iPay88 SME | RM 1,350 |
| ADAPTIS, indicative band | RM 1,400 to RM 1,600 |
Between Billplz Basic and the ADAPTIS band, the gap is RM 692 to RM 892 a month. Over a year, roughly RM 8,300 to RM 10,700.
One exception matters for low-ticket stores. Billplz charges a flat RM 1.25 per FPX order. At the bottom of the older eGHL FPX range, 1.6%, the percentage fee is cheaper for any basket below about RM 78 (RM 1.25 divided by 1.6%). The RM 0.60 minimum applies below about RM 37.50. If most of your orders are RM 30 to RM 70, ask for an eGHL or ADAPTIS quote before defaulting to Billplz.
How fast does eGHL settle?
The older listing showed W+4 and did not define it. Ask which day the weekly cycle closes and how many business days follow. Billplz’s next-business-day FPX settlement is the benchmark, per our Malaysian gateway comparison.
Settlement speed is a cash-flow cost. Cravings in Malaysia notes that Malaysian gateways range from next business day to ten working days. At RM 1,000 in daily sales, that is the difference between RM 1,000 and RM 10,000 of your own money sitting with the provider.
Which Payment Methods Does eGHL Support?
Older reseller listings name Visa and Mastercard, FPX, Touch ’n Go eWallet, Boost, GrabPay, MAE, and ShopeePay. NTT DATA’s merchant FAQ refers to cards, online banking, and e-wallets without naming them. The lists we found do not mention DuitNow QR, so confirm it in writing if your buyers use it.
Payment methods are a margin decision, not a feature checklist. On iPay88’s SME plan, an e-wallet costs 1.5% and FPX costs 2.7%, per our iPay88 breakdown. If eGHL or ADAPTIS prices by method too, the mix your buyers choose sets your real rate. Ask for a per-method rate sheet, not one blended number.
GHL’s roots are in card terminals, and ADAPTIS sells in-store, online, financing, and enterprise services under one brand, per CRN Asia. That is useful if you sell online and at a pop-up stall or shop counter. It is irrelevant if you only sell online.
Before you sign, ask for these in writing:
- The rate for each method you plan to enable: cards, FPX, each e-wallet.
- Setup, annual, and monthly fees, and whether SST is shown separately.
- The chargeback fee and the dispute window.
- The settlement cycle and cut-off day.
- Minimum monthly volume, contract length, and exit terms.
Is eGHL Secure, and How Do Refunds and Support Work?
NTT DATA Payment Services’ merchant FAQ says an internal risk team reviews every transaction, refunds run through the API or the admin portal by transaction ID, and card details can be tokenised for recurring billing. Merchant-facing material describes eGHL as PCI DSS Level 1, but we could not find the attestation itself.
Treat PCI DSS Level 1 as a claim to verify. Ask for the current Attestation of Compliance and check that the company name on it matches the company on your contract. Names have changed since 2024, so a mismatch is worth a question.
Check regulatory status the same way. Bank Negara Malaysia publishes entity pages for payment providers on its website, so look up the exact company named on your contract.
From the same FAQ:
- Refunds. Start them through the API or the Admin Portal using the transaction ID.
- Recurring billing. Tokenisation stores card details securely and charges them when payment is due.
- SSL. Not mandatory, but the FAQ recommends it for your store.
- Declines. Common causes include a card not enabled for online payments or 3-D Secure not activated on the buyer’s card.
How Do You Set Up eGHL on WooCommerce, Shopify, or a Custom Store?
Onboarding looks sales-led. We found no self-serve signup or public price page, so plan on a quote call first.
- Gather your documents. Expect SSM registration, a business bank account, and director identification, as with any licensed gateway. Our FPX setup guide lists the usual KYC set.
- Get the written quote. Use the checklist above. Compare it against the payment gateway fees tool at your real order volume.
- Ask for a demo or sandbox. The FAQ points merchants to a support address for a demo website. Test a successful payment, a failed one, and a cancelled one.
- Connect your cart. The FAQ points to NTT DATA’s e-commerce page for supported carts, and reseller pages mention WooCommerce integrations. Shopify Payments is not available in Malaysia, so any gateway on Shopify runs as a third-party gateway. Sources disagree on whether a native eGHL app exists, so ask your rep for the exact app or workaround.
- Go live and test a refund. Place one small real order, then refund it through the portal.
Verdict: Should You Use eGHL, or Choose Something Else?
Already on eGHL? Stay, but ask for your current rate card, the exact company name on your contract, and what the ADAPTIS brand change means for your plugin and settlement. If you process more than about RM 100,000 a month, that is the moment to renegotiate.
New seller under about RM 100,000 a month, mostly FPX? Start with Billplz Basic. In our RM 50,000 example it costs about RM 708 in fees against RM 1,400 to RM 1,600 at the ADAPTIS indicative band. Cravings in Malaysia calls ADAPTIS “worth the conversation above roughly RM100,000 monthly volume, rarely worth it below.” Read our iPay88 vs Billplz comparison for the head-to-head.
Selling low-ticket items, baskets under about RM 78? Get an eGHL or ADAPTIS quote before you commit. Percentage pricing on FPX can beat Billplz’s flat RM 1.25.
Need cards, e-wallets, and in-store terminals under one contract? ADAPTIS is the one to quote. The trade-off is negotiated pricing and a sales-led setup.
Rates change. We checked the sources named here on 25 September 2026. Confirm every figure with the gateway before you sign.
Frequently Asked Questions
What is the eGHL payment gateway?
eGHL is an online payment gateway from GHL Systems Berhad that lets Malaysian merchants accept cards, FPX online banking, and e-wallets through one integration. NTT DATA agreed to buy 58.7% of GHL Systems on 27 May 2024, and the gateway now appears as ADAPTIS Payment Gateway in NTT DATA Payment Services’ merchant FAQ.
How much does eGHL charge per transaction in Malaysia?
No current rate card is public. An older reseller listing gave 1.4% to 2.4% for cards and 1.6% to 2.4% for FPX with a RM 0.60 minimum, depending on plan. A September 2026 review puts ADAPTIS at an indicative 2.8% to 3.2%. Get a written quote before you sign.
Is eGHL the same as iPay88?
Both sit under NTT DATA. It bought iPay88 in September 2015 and agreed to buy 58.7% of GHL Systems in May 2024. ADAPTIS now brands the group’s payments business, and some reviews call eGHL and iPay88 merged. NTT DATA has not published contract details, so ask your account manager in writing.
Is Billplz cheaper than eGHL?
Usually, for baskets above about RM 78. At RM 50,000 a month, split 350 FPX and 150 card orders of RM 100, Billplz Basic costs about RM 708 in fees. The older eGHL rate card works out to RM 770 to RM 1,200. Below RM 78 per FPX order, percentage pricing can win.