How to Enable FPX Payment in WooCommerce?

Online shoppers in Malaysia are increasingly choosing FPX as their go-to payment option. Its popularity is no accident; FPX provides a fast, secure, and efficient online banking solution that simplifies the way people pay for goods and services.

So, what is FPX? Powered by PayNet, FPX (Financial Process Exchange) is a real-time online payment gateway that connects customers directly with their bank accounts. It supports a broad range of banks in Malaysia, making it one of the most accessible payment methods in the country.

If you’re looking to boost WooCommerce conversion rates, offer more localized payment methods, or simply give your customers a secure payment experience, this guide to adding FPX to your WooCommerce store is just what you need.

Ready to enable FPX payments in your WooCommerce store? Let’s start!

FPX, or Financial Process Exchange, is an online payment gateway managed by PayNet, Malaysia’s national payments network. It allows users to make real-time bank transfers directly from their online banking accounts when shopping online. By bypassing credit cards entirely, FPX offers a more accessible and secure payment method for users who prefer online banking.

Supported by most Malaysian banks, FPX connects customers and merchants through bank-to-bank transfers. FPX payment gateway is used for eCommerce purchases, bill payments, and even government transactions. As the digital payment ecosystem continues to expand, FPX remains a cornerstone of the payment system in Malaysia.

What makes FPX payment so appealing is its streamlined process. Customers select FPX during checkout, choose their bank from the FPX bank list, log in securely, and authorize the transfer. The funds are moved almost instantly, and both parties receive confirmation.

Whether you’re operating an SME or a large WooCommerce store, offering FPX Malaysia as a checkout option means you’re leveraging an established and trusted payment infrastructure.

FPX is an online banking system that connects users to their bank accounts, enabling fast and secure transactions. Here’s a step-by-step look at how an FPX transaction flows:

➞ Customer Selects FPX at Checkout

During the checkout process, shoppers can choose FPX from the list of available payment options. The FPX payment method is integrated into eCommerce platforms like WooCommerce via a plugin like Stripe Payment Gateway.

➞ Choose From the FPX Bank List

Once FPX is chosen as the payment method, the customer is presented with a list of participating banks. With support from major institutions in the FPX bank list, this makes it convenient for users regardless of which Malaysian bank they use.

➞ Redirect to Bank Portal

After selecting their FPX bank from the list, the customer is redirected to their bank’s online login page. This step keeps all sensitive login details confidential. The merchant never sees the customer’s banking credentials.

➞ Login and Authorize FPX Payments

Customers log in using their usual credentials and review transaction details. To approve the transfer, most banks take additional security measures, often a one-time password (OTP), to prevent unauthorized use.

➞ Real-Time FPX Fund Transfer

Once approved, the funds are transferred from the customer’s bank account to the merchant’s account. FPX immediately confirms the payment to both parties, allowing businesses to begin order fulfillment without delay.

This process not only supports rapid WooCommerce customer checkout but also reduces failed payment rates, thanks to real-time validation and confirmations.

FPX’s ability to facilitate secure online banking and its support across numerous banks make it one of the most efficient Malaysia payment methods available. Whether it’s used for shopping, business payments, or tax submissions (like LHDN FPX payment), it provides a reliable alternative to cards or eWallets.

Now that you understand how it works, you might be wondering how to integrate FPX into your WooCommerce store. If you’re ready to enable FPX in WooCommerce, the next section will walk you through the entire process to activate WooCommerce FPX payments.

Adding FPX to your WooCommerce store is easy when you use the Stripe payment gateway. Stripe supports FPX out of the box, allowing you to accept real-time FPX bank transfers. We will guide you through the process, from installing the Stripe plugin to enabling FPX payment for your Malaysian customers.

The Stripe Payment Gateway plugin doesn’t just enable FPX payment; it also lets you accept credit/debit cards, Google Pay, Alipay, and over 20 other payment methods within your WooCommerce store. You can also enable Stripe Checkout, a prebuilt payment page hosted by Stripe to deliver a fast, secure, and conversion-optimized checkout experience. 

Let’s walk through the process and how you can configure the FPX payment method using the free plugin in WooCommerce step by step.

Step 1: Install and Activate the Stripe Plugin for WooCommerce

Go to your WordPress dashboard, navigate to Plugins > Add Plugin, and search for “Stripe Payment Plugin for WooCommerce”. Install and activate the plugin developed by WebToffee.

Step 2: Connect Your Store to Stripe

• Once activated, go to WebToffee Stripe in the WordPress dashboard, and click on Connect to Stripe. Follow the on-screen steps to link your WooCommerce store to your Stripe account. 

If you don’t have a Stripe account yet, you can register one during this process. 

Once connected, you’ll see a screen (like the one shown below), indicating that your store is successfully linked. Keep in mind, you’re in test mode. You can click Switch to live mode at any time from the top right.

Once connected, enabling FPX in WooCommerce becomes easy and just a few clicks away.

Step 3: Enable the FPX Payment in WooCommerce

Next, in the WebToffee Stripe dashboard,

• Go to Local Gateways and click on FPX to enable WooCommerce FPX.
• Tick the checkbox to enable FPX.
• Optionally, edit the title, description, and button text that will appear to your customers during checkout.
• Click Save changes to update the WooCommerce Stripe settings.

That’s it! Setting up FPX payments in WooCommerce is as easy as that. Now, let’s see how WooCommerce FPX payment is activated in your store.

Step 4: Test the FPX Payment Flow

This is an optional but recommended step when setting up different payment methods in WooCommerce. Before going live, switch your Stripe account to “Test Mode” and simulate a FPX payment. This ensures everything works smoothly before accepting real payments.

Step 5: Go Live and Accept WooCommerce FPX Payments

Once you’ve confirmed everything is working, switch back to “Live Mode” and you’re ready to start accepting FPX payment in WooCommerce. Customers will see FPX as a payment option at checkout. 

Upon selection, they’ll be presented with the FPX bank list, allowing them to choose their preferred bank.

By following these steps, you can easily set up WooCommerce FPX payments and offer more flexibility to your Malaysian-based users.

That’s all it takes to set up FPX payments in WooCommerce! Once live, your store will be equipped to accept one of Malaysia’s most popular payment methods, opening up new opportunities for local conversions and customer trust.

If you’re targeting the Malaysian market, enabling FPX payments in WooCommerce is a smart move, not just for convenience, but for conversion. Here’s why more merchants are choosing FPX bank transfer as a preferred payment method:

• Many Malaysians rely on online banking rather than credit cards. With FPX Malaysia, you can cater to users who prefer or exclusively use online banking, including those who don’t have credit cards.
• FPX transfers are processed in real time. The moment a customer authorizes a payment, the money is moved to your account. This helps improve cash flow management.
• Compared to traditional credit card transactions, FPX charges lower processing fees. For businesses with narrow profit margins, this can make a notable difference over time.
• WooCommerce FPX transactions occur through the customer’s banking portal, complete with multi-factor authentication. Since FPX payment systems don’t expose sensitive information to the merchant, there is a reduced risk of fraud and unauthorized access.
• Offering FPX as a payment gateway signals to your customers that your store supports a widely trusted, bank-backed system. Displaying the FPX logo can immediately boost confidence, especially among first-time buyers, and position your brand as credible.
• WooCommerce FPX online banking offers a faster, more intuitive experience than other alternatives. This smooth payment flow can help reduce abandoned carts and enhance customer satisfaction.

By now, you should have a clear understanding of what FPX is, how it works, and most importantly, how to enable FPX in your WooCommerce store. With its real-time processing, lower fees, and broad bank support across Malaysia, FPX payment is an excellent option for merchants looking to offer a more localized and secure checkout experience.

Thanks to the Stripe Payment Gateway plugin, integrating FPX into your store doesn’t require complicated setups. In just a few steps, you can start accepting payments through a method trusted by Malaysian shoppers.

That brings us to the end of this guide to adding FPX to a WooCommerce store. Thanks for following along. We hope you found this article helpful! Let us know in the comments what you think or if there’s anything else you’d like to explore.