Orijin Gerbang · Online payment gateway
Accept every common Malaysian payment method through one gateway.
Orijin’s online payment gateway (OPG) lets organisations collect payments on the web, in apps and at physical counters. It has been used by government agencies and large corporates since 2012 and processes more than 5 million transactions worth around RM6 billion every year.
Why it exists
The problem it solves
In a traditional set-up, merchants stitch together a gateway, a payment service provider, an acquirer and separate risk tools. Each hand-off adds cost, delays settlement and makes reconciliation harder.
Who uses it
- Government agencies
- Large corporates
- SMEs & e-commerce
- E-wallet operators
Benefits
- Better checkout experience for customers
- Lower processing costs
- Faster settlement
- One report across online and in-store payments
Features
What it does
Online banking & DuitNow
FPX, DuitNow and eMandate (direct debit) through the national payment network.
Card payments
Visa and Mastercard with 3-D Secure, non-3D, pre-authorisation, saved cards and card binding.
E-wallet aggregation
Connect to e-wallet providers and accept their customers through the same checkout.
Offline gateway
The same platform drives in-store EDC and Soundbox terminals, so online and offline sales are reported together.
Fraud management
Integrated fraud monitoring and a risk-first architecture, built and operated to PCI DSS.
Reconciliation & monitoring
Built-in reconciliation and transaction monitoring, with ready integration into SELARI®.
API integration
Designed for easy integration with clients’ existing IT systems, web portals and mobile apps.
Modular implementation
Deploy only the modules you need, with business rules and payment flows customised per client.
In use
Product in use
Workflow
How it works
Customer pays
On your website, app, hosted payment page or an Orijin terminal.
Orijin processes
Risk checks, routing and processing in one payment engine.
Networks & acquirers
Routed to FPX/DuitNow, card schemes, e-money issuers or the acquiring bank.
Reconciled & settled
Transactions are reconciled and monitored; settlement reports feed your finance systems.
Redefining payment flows
Fewer hand-offs between merchant and issuer
In a traditional set-up each role is a different provider. Orijin combines gateway, risk management, processing and acquiring, fraud management, reconciliation and monitoring in one payment engine.
Traditional platform
- Merchant
- Gateway
- Payment service provider
- Risk management
- Acquirer
- Scheme
- Issuer
Orijin payment system
- Merchant
- Orijin payment engine (gateway, risk, processing & acquiring, fraud management, reconciliation, monitoring)
- Scheme
- Issuer
Deployment
Where it runs today
Used by government agencies and large corporates since 2012, including MARAeps (since 2017) and a national telco (since 2021). More than 5 million transactions worth around RM6 billion a year.
Integrations
- FPX
- DuitNow
- eMandate
- Visa
- Mastercard
- E-wallets
- Acquiring banks
- SELARI®
FAQ
Questions from enterprises & agencies
Which payment methods does the Orijin gateway support?
FPX, DuitNow and eMandate; Visa and Mastercard (3-D Secure, non-3D, pre-authorisation, saved card and card binding); e-wallets; and in-store payments through Orijin EDC and Soundbox terminals.
Can SELARI® work with our existing banks and accounting system?
Yes. SELARI® is channel-agnostic: it connects host-to-host with banks, retrieves MT940 statements automatically and reconciles against your accounting ledger. Business rules and process flows can be customised.
Is the platform built in-house?
Yes. Our gateway, wallet, reconciliation and treasury products run on our own proprietary payment technology, built on a single code base.
What security standards do you follow?
Our gateway is PCI DSS compliant, and our services are designed to comply with ITSEC, ISO/BS/MS and PCI requirements, backed by intelligent fraud prevention and a risk management policy.
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View Orijin EDC & Soundbox terminalsNext step
Tell us what you need to run without cash.
Whether you are rolling out a cashless school, adding card payments at a counter or automating reconciliation, we will show you how it works with your systems.