Kuala Lumpur, Malaysia– AhaPay, a Malaysian buy now, pay later (BNPL) provider, has formed an alliance with Share Commerce to make its instalment service available across more than 5,000 merchant terminals nationwide. AhaPay is part of fintech holding company Fingular.
The companies announced the tie-up in Kuala Lumpur on 29 September. Share Commerce is a digital payment solutions provider in Malaysia.
Under the arrangement, merchants already using Share Commerce terminals can accept AhaPay through a dynamic QR code generated on the terminal screen. All transactions are processed on the same device.
As a result, participating merchants do not need to buy or install new equipment.
The move places AhaPay’s BNPL layer on top of Share Commerce’s existing infrastructure. According to AhaPay, the combined offering could raise basket sizes, improve conversion rates and strengthen customer loyalty.
The service is aimed at businesses in food and beverage, healthcare and retail, giving customers payment options to suit different financial circumstances. AhaPay says participating merchants have recorded sales uplifts of more than 20% in selected implementations.
Looking ahead, AhaPay is working on deeper data integration with Share Commerce. The aim is to enable automated credit pre-approvals for repeat customers.
If delivered, shoppers across the Share Commerce merchant network could make purchases without repeated credit checks.
Harold Chen, CEO of AhaPay, said, “Our alliance with Share Commerce marks a significant step in bringing flexible payment solutions to everyday Malaysians.”
“Our mission is not just to provide a BNPL service but to provide consumers a smarter financial management tool, taking stress out of bigger purchases and managing routine financial expenses effectively—and this partnership is the extension of that mission,” Chen added.
Meanwhile, Reeve Tan, CEO of Share Commerce, said, “Today’s customers expect greater choice, convenience and flexibility at the point of payment, and merchants need the right tools to meet those expectations.”
“Our alliance with AhaPay expands the capabilities of the Share Commerce ecosystem, enabling merchants to offer more flexible payment options while supporting stronger customer engagement and business growth. Together, we are creating a more seamless payment experience that delivers greater value to both merchants and consumers,” Tan concluded.
