# Curlec (by Razorpay) > Curlec is Malaysia's payment gateway, part of the Razorpay Group. Regulated by Bank Negara Malaysia and a member of PayNet (Payments Network Malaysia), Curlec enables Malaysian businesses to accept payments via FPX online banking (Maybank, CIMB, Hong Leong, RHB and other Malaysian banks), credit and debit cards (Visa, Mastercard), e-wallets (Touch 'n Go, GrabPay, Boost), DuitNow, UPI, Apple Pay, Alipay+, and Buy Now Pay Later (Atome). The platform offers a full-stack payments suite: payment gateway, payment links, payment pages, payment buttons, invoices, subscriptions with direct debit mandates, and payouts with split settlements via Route. ## Metadata - Company: Curlec (Razorpay Curlec Sdn. Bhd., formerly Curlec Sdn. Bhd.) - Website: https://curlec.com - Region: Malaysia - Currency: MYR (Malaysian Ringgit) - Parent: Razorpay (https://razorpay.com) - Regulated by: Bank Negara Malaysia (BNM) - Member of: PayNet (Payments Network Malaysia) ## Products & Solutions ### Payment Gateway - [Payment Gateway](https://curlec.com/payment-gateway/): Accept online payments on your website or app. Supports FPX (Maybank, CIMB, Hong Leong, RHB and other Malaysian banks), Visa, Mastercard, GrabPay, Touch 'n Go, Boost, DuitNow, Apple Pay, Alipay+, and UPI. Features Flash Checkout with 4M+ saved cards across businesses, customisable branded checkout, powerful merchant dashboard with real-time reporting, and PCI DSS Level 1 security. SDKs for Android, PHP, Python, Ruby, Java. Plugins for Shopify, WooCommerce, Opencart, Magento. Setup fee: RM0 (Basic) or RM999 (Premium). Domestic card rates from 2.0%, FPX from 1.0%, e-wallets from 1.3%. ### Payment Links - [Payment Links](https://curlec.com/payment-links/): Create shareable payment links and accept payments via email, SMS, WhatsApp, Telegram, and chatbots. Supports batch upload via CSV/XLSX for hundreds of links at once, partial payments against large orders, personalised branded payment pages, API-driven automation, and webhook notifications for payment events. Valid for 6 months from creation. Ideal for businesses without a website, social media sellers, and alternatives to cash-on-delivery. ### Payment Pages - [Payment Pages](https://curlec.com/payment-pages/): No-code payment collection pages — create a custom-branded online store in minutes without coding. Use cases: event registration, donation collection, product sales, and fee collection. Features 5 customisable templates, custom fields, mobile-optimised responsive design, automated receipts, memorable custom URLs, real-time payment tracking, and multiple product listings per page. ### Payment Buttons - [Payment Buttons](https://curlec.com/payment-buttons/): Embeddable payment buttons — copy a single line of code onto any website or blog to accept payments. Compatible with Wix, GoDaddy, WordPress, and any website builder. Used by NGOs, SMEs, freelancers for donations, fees, and one-off payments. No integration or gateway setup required. ### Invoices - [Invoices](https://curlec.com/invoices/): Online invoice generator with built-in payment links. Create and send professional invoices, customers pay directly from the invoice. Features SST tax compliance, partial payments, reusable line item templates, PDF download, accounts receivable tracking, and dashboard reporting. Included with your payment gateway account at no separate add-on charge; standard transaction fees apply. ### Subscriptions & Recurring Billing - [Subscriptions](https://curlec.com/subscriptions/): Automated recurring billing for Malaysian businesses. Multiple billing models: fixed schedule, quantity-based, and usage-based. Supports trial periods, upfront charges, add-ons, plan upgrades/downgrades with proration. Payment methods: credit/debit cards and Direct Debit (e-Mandate via online banking, RM1 verification). Convert paper mandates to eMandates in bulk. Card subscriptions: standard card pricing (domestic / international) applies per transaction; there is no separate subscription fee. BNM-compliant. ### Payouts & Route - Payouts: Automate real-time payouts and manage disbursements. Available via payouts.curlec.com portal. - Route: Full control over multi-party payments and split settlements for marketplaces and platforms. ### Buy Now Pay Later - Atome BNPL: Offer flexible instalment plans to customers at checkout (6.0% Basic / 5.0% Premium per transaction). ### Cross-Border Payments - UPI Acceptance (subject to merchant activation): First-in-Malaysia UPI payment acceptance via NPCI International partnership — Indian visitors can pay Malaysian merchants using UPI apps, settled instantly in Ringgit. - International Cards: Accept foreign Visa/Mastercard at 3.1–3.3% per transaction. - Alipay+: Accept Alipay+ payments at 2.5–2.7% per transaction. ## Pricing - [Pricing](https://curlec.com/pricing/): Two plans — Basic (RM0 setup) and Premium (RM999 setup, lower per-transaction rates). Enterprise pricing available for volumes over RM1 million/month. - FPX: 1.5% or RM1 (Basic) / 1.0% or RM1 (Premium), whichever is greater - Domestic Cards: 2.4% (Basic) / 2.0% (Premium) - Foreign Cards: 3.3% (Basic) / 3.1% (Premium) - E-Wallets (TNG, Boost): 1.5% (Basic) / 1.3% (Premium) - GrabPay: 1.5% (both plans) - DuitNow: 1.2% or RM0.30 (Basic) / 1.0% or RM0.30 (Premium) - Apple Pay: Standard card pricing applies - Atome BNPL: 6.0% (Basic) / 5.0% (Premium) - Alipay+: 2.7% (Basic) / 2.5% (Premium) - Payment Links, Payment Pages, Payment Buttons, Invoices: Included at no extra cost ## Page Markdown Plain-text versions of curlec.com pages for AI agents. - [Home](https://curlec.com/home.md) - [Payment Gateway](https://curlec.com/payment-gateway.md) - [Payment Links](https://curlec.com/payment-links.md) - [Payment Pages](https://curlec.com/payment-pages.md) - [Payment Buttons](https://curlec.com/payment-buttons.md) - [Subscriptions](https://curlec.com/subscriptions.md) - [Invoices](https://curlec.com/invoices.md) - [Pricing](https://curlec.com/pricing.md) - [About](https://curlec.com/about.md) - [Support](https://curlec.com/support.md) ## Developer Resources - [Documentation Hub](https://curlec.com/docs): Full developer documentation — API reference, payment guides, webhook setup, security standards, partner integration. - [API Reference](https://curlec.com/docs/api): API reference guide for integrating Curlec Payment Gateway into your website, e-commerce store, or mobile app. Covers payments, orders, customers, subscriptions, invoices, and payouts. Sandbox environment available. - [API Sandbox Setup](https://curlec.com/docs/api/sandbox-setup): Test integrations before going live with sandbox API keys and test mode. - [Webhooks](https://curlec.com/docs/webhooks): Event-driven notifications for payments, refunds, settlements, disputes, and subscriptions. Separate URLs for test and live mode. - [Payments Guide](https://curlec.com/docs/payments): End-to-end payments documentation — gateway setup, payment methods, orders, invoices, settlements, refunds, recurring payments, and international payments. - [Payments Gateway Docs](https://curlec.com/docs/payments/payment-gateway): Server integration guide, payment method configuration, checkout customisation. - [Settlements](https://curlec.com/docs/payments/settlements): How Curlec settles funds to your bank account — settlement cycles, states, and dashboard actions. - [Recurring Payments](https://curlec.com/docs/payments/recurring-payments): Create authorisation transactions and charge customers on recurring schedules. - [International Payments](https://curlec.com/docs/payments/international-payments): Accept payments from foreign-issued cards across all Curlec products. - [Refunds](https://curlec.com/docs/payments/refunds/normal): Issue normal refunds to customers — process, timing, and fees. - [Orders](https://curlec.com/docs/payments/orders): Create and manage payment orders, states, and dashboard actions. - [Invoices Docs](https://curlec.com/docs/payments/invoices): Invoice API and dashboard guide — create, send, track invoices. - [Subscriptions FAQs](https://curlec.com/docs/payments/subscriptions/faqs): Frequently asked questions about subscription plans, billing, and management. - [Security](https://curlec.com/docs/security): Security standards, vulnerability disclosure programme, business security checklist, IP whitelists, and SSL certificates. - [Security Checklist](https://curlec.com/docs/security/checklist): Best practices and security measures for merchants using Curlec. - [Partner Documentation](https://curlec.com/docs/partners): Partner programme — service partners, technology partners (marketplaces/platforms), commission structures. - [Partner APIs](https://curlec.com/docs/partners/apis): APIs for onboarding sub-merchants and managing partner integrations. ## Blog & Knowledge Base - [Blog](https://curlec.com/blog/): Insights on online payments, Malaysian fintech, compliance, and business operations. - [FPX Payments Guide](https://curlec.com/blog/fpx-payments-guide/): How FPX works as Malaysia's primary online banking payment method — differences from DuitNow, bank support, integration guide. - [PCI DSS Compliance Guide](https://curlec.com/blog/pci-dss-compliance/): Guide to PCI DSS compliance requirements and obligations for Malaysian businesses. - [Payment Fraud Prevention](https://curlec.com/blog/payment-fraud/): Identifying and preventing common payment fraud types in Malaysia — CNP fraud, FPX fraud, receipt fraud. - [Preventing Receipt Fraud for B2B](https://curlec.com/blog/preventing-payment-receipt-fraud-for-malaysian-b2b-sellers/): How Malaysian B2B sellers can prevent fake payment receipt scams. - [TIN Number Malaysia](https://curlec.com/blog/tin-number-malaysia/): Guide to Tax Identification Numbers — how to check TIN via LHDN MyTax portal for individuals and companies. - [GST vs SST Malaysia](https://curlec.com/blog/gst-vs-sst/): Differences between GST and SST in Malaysia — tax rates, filing rules, registration thresholds. - [MSIC Code Malaysia](https://curlec.com/blog/msic-code-malaysia/): Finding your 5-digit MSIC code for SSM registration and tax compliance. - [Case Studies](https://curlec.com/blog/case-studies/): How Malaysian businesses use Curlec — Elevete Patisserie, Funding Societies, Cheng & Co, RentGuard, Mahzan Sulaiman. - [Knowledge Base](https://curlec.com/blog/knowledge-base/): Product guides and frequently asked questions about Curlec's payments suite. - [Xero Integration](https://curlec.com/blog/xero/): Curlec + Xero — first payments provider to offer Direct Debit and FPX to Xero users in Malaysia. Automate payment collections and reconciliation. ## Company - [About Curlec](https://curlec.com/about/): Full-stack payments solution, part of the Razorpay group. Founding team built the integrated Direct Debit mandate processing system at PayNet (Bank Negara subsidiary), live since 2010 across all major Malaysian banks. HQ: Level 18, The Gardens South Tower, Lingkaran Syed Putra, Mid Valley City, 59200 Kuala Lumpur. Awards: Forbes 30 Under 30 Asia (2020), Malaysian FinTech Company of the Year (2021), VISA Accelerator Programme (2021), EY Foundry Programme (2021). Featured in DealStreetAsia, Tech In Asia, E27, Reuters, Forbes. - [Support](https://curlec.com/support/): Dedicated customer support for inquiries, technical issues, and integration help. Local Malaysian team available by email and phone, 7 days a week. - [Sign Up](https://curlec.com/onboarding/my/): Create a Curlec merchant account — online onboarding with minimum documentation (business website URL and latest bank statement required). - [Careers](https://curlec.com/blog/careers/): Career opportunities at one of Malaysia's fastest-growing fintech startups. - [Privacy Notice](https://curlec.com/blog/s/privacy/): Privacy and data handling policy.