Axaipay’s AxaiCart+ Bundles a Website Builder and Payment Gateway for Malaysian MSMEs
Malaysian payment provider Axaipay has teamed up with Italian software maker Incomedia to launch AxaiCart+, a package that bundles a website builder with a ready-connected payment gateway. The aim is simple: let small sellers build an online shop and start taking cards, online banking and e-wallet payments without stitching separate tools together.
The product went on sale on 22 October 2026 and targets Malaysia’s micro, small and medium enterprises (MSMEs), many of which still sell mainly through social media chats and marketplaces.
Key facts
- AxaiCart+ combines Incomedia’s WebSite X5 Pro desktop website builder with the Axaipay payment gateway, run by Axai Digital Sdn Bhd.
- Shops built on it can accept credit and debit cards, FPX online banking, DuitNow QR, Touch ‘n Go eWallet, ShopeePay and Boost.
- Merchants do not need to sign up with a separate payment processor, and they can host their site independently rather than on a rented platform.
- Axaipay is registered with Bank Negara Malaysia (BNM), the central bank, as a non-bank merchant acquirer, according to Fintech News Malaysia.
- No prices were published; the companies say introductory packages and early-adopter promotions are available through Axaipay’s website.
What is being launched
A payment gateway is the behind-the-scenes service that takes a customer’s payment on a website, checks it and passes the money to the merchant. Usually, a small business that builds its own site has to pick a website tool, then find a gateway, then make the two talk to each other through plug-ins or code. AxaiCart+ packages both pieces together.
WebSite X5, Incomedia’s flagship product, is a drag-and-drop editor that runs on a desktop computer rather than in the browser. Users design pages without coding, and the sites adjust automatically for mobile screens. Incomedia, founded in Ivrea, Italy, in 1998, says the code it produces is light, which helps pages load quickly and show up in search results.
Axaipay’s chief executive, Dr Terry Yee, said the tie-up is meant to remove the technical hassle of opening an online store, including compatibility problems between site builders and payment processors. Incomedia chief executive Federico Ranfagni said the goal is to make professional e-commerce and local payment options reachable for every business.
What it means for Malaysians
- For small sellers: a shop owner who has relied on WhatsApp orders and manual bank transfers gets a way to run a proper storefront with checkout. Supporting FPX, the online banking network run by PayNet, and DuitNow QR, the national QR standard, covers the methods most Malaysian shoppers already use.
- For costs: the pitch is aimed squarely at subscription website platforms that charge monthly fees. Owning the site and hosting it independently can cut recurring bills, but merchants should still compare the gateway’s per-transaction fees, which were not disclosed, against what they pay today.
- For shoppers: buying from a small brand’s own website with familiar payment options such as Touch ‘n Go eWallet, ShopeePay or Boost should feel similar to checking out on a big marketplace.
- For the gateway market: the launch shows how Malaysian gateways are competing on convenience, not only on fees, by bundling software that brings merchants in through the front door.
There are trade-offs. A desktop builder suits owners who are comfortable managing their own site, but it means more do-it-yourself work on updates and hosting than an all-in-one online platform. Sellers who depend on marketplace traffic may still need to keep their marketplace stores running alongside a new website.
What to watch
- Published pricing for the bundle and the transaction fees merchants will pay per payment method.
- How many MSMEs sign up, and whether Axaipay adds more Malaysian payment options such as instalment plans.
- Whether rival gateways respond with their own website-plus-payments bundles for small businesses.
Related on FinDeskAsia: How payment gateways work in Malaysia and DuitNow explained.
Sources: Fintech News Malaysia (October 2026); Axaipay and Incomedia via PR Newswire (October 2026).
