Touch 'n Go eWallet vs ArifPay — Lowest fees

Touch 'n Go eWallet

Malaysian Digital Payments

ArifPay

Ethiopian Digital Payments

Fees from

Free P2P, merchant 0.7-1% vs Transaction-based

Features

1 shared

1 unique to Touch 'n Go eWallet · 1 unique to ArifPay

Regions

0 shared

1 unique to Touch 'n Go eWallet · 1 unique to ArifPay

Pay methods

0 shared

1 unique to Touch 'n Go eWallet · 4 unique to ArifPay

On fees

Touch 'n Go eWallet publishes Free P2P, merchant 0.7-1% from. ArifPay publishes Transaction-based from. Verify directly with each provider before signing.

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3 features · 5 payment methods · 2 regions. We don't rank these — they're here for reference.

Touch 'n Go eWallet

ArifPay

Quick Facts

Fees

Standard transaction rate

Free P2P, merchant 0.7-1%

Transaction-based

Settlement

Time to receive funds

—

1–2 business days

Founded

2018

2021

Headquarters

Kuala Lumpur, Malaysia

Addis Ababa, Ethiopia

Sandbox / Test Mode

—

✓

Webhook Support

✓

Features

Instant Payout

✓

Low Fees Unique

✓

—

Startup Friendly Unique

—

✓

Payment Methods

ArifPay leads (4 vs 1)

Bank Transfer Unique

—

✓

M Pesa Unique

—

✓

Mastercard Unique

—

✓

Mobile Money Unique

✓

—

Visa Unique

—

✓

Regions

Africa Unique

—

✓

Southeast Asia Unique

✓

—

Touch 'n Go eWallet is best when you...

Malaysian Digital Payments

Need Low Fees

Not available with ArifPay

Want coverage in Southeast Asia

ArifPay doesn't cover this region

View Touch 'n Go eWallet

ArifPay is best when you...

Ethiopian Digital Payments

Need Startup Friendly

Not available with Touch 'n Go eWallet

Want coverage in Africa

Touch 'n Go eWallet doesn't cover this region

View ArifPay

Frequently Asked Questions

What is the difference between Touch 'n Go eWallet and ArifPay?

They share 0 payment methods and 0 regions. Touch 'n Go eWallet adds Mobile Money that ArifPay does not list; ArifPay adds Bank Transfer, M-Pesa, Mastercard and 1 more that Touch 'n Go eWallet does not list; Touch 'n Go eWallet also covers Southeast Asia; ArifPay also covers Africa.

Which is cheaper, Touch 'n Go eWallet or ArifPay?

Touch 'n Go eWallet has published rates from Free P2P, merchant 0.7-1%; ArifPay has published rates from Transaction-based. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.

Where can I use Touch 'n Go eWallet and ArifPay?

Touch 'n Go eWallet lists 1 region and 1 payment method; ArifPay lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

How do Touch 'n Go eWallet and ArifPay compare on integration and settlement?

ArifPay offers a sandbox, Touch 'n Go eWallet does not list one; both support webhooks; ArifPay publishes a settlement time of 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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