2Checkout.com is a global online payment processing service that helps you accept credit cards, PayPal and debit cards. Its customers can choose from eight different payment methods, 15 languages and 26 different currencies. 2Checkout also serves merchants in 25 other countries other than the United States. Some basic features of 2Checkout are Debit and credit card processing, International processing, Hosted online shopping cart with integration for third-party carts),PCI-compliant gateway, Dashboard with multi-level user access, Foreign language and currency support, Virtual terminal (activation required),Recurring billing and Mobile apps.
eGHL (GHL Solutions) is a secure internet payment solution that covers both cards & non-cards payments channels in Malaysia charges the lowest transaction fees. It has two plans – Starter and Small Business. The starter planPayment Gateways (Malaysia)
Your need for two-factor authentication feature can be met by Paypal and 2checkout who provide this feature in Malaysia. For more details and a comparison between the two, visit: http://www.analyzo.com/compare/299/8,9,Payment Gateways (Malaysia)