Curlec

What is Razorpay Curlec

Razorpay Curlec is an online payment solution designed for businesses in Malaysia. It is part of Razorpay, a major payment and banking platform from India. The main purpose of Razorpay Curlec is to help companies of all sizes accept, process, and manage online payments easily. Its core functions include a payment gateway that supports various methods like FPX, credit/debit cards, and e-wallets. The platform also offers tools for creating payment links, managing recurring subscriptions, and automating payouts. It aims to provide a complete payment infrastructure for Malaysian businesses, from startups to large enterprises, helping them manage their cash flow and grow their online sales.

Razorpay Curlec Features

Razorpay Curlec offers a suite of tools to handle different payment needs.

• Payment Gateway: Integrate a secure checkout system on your website or app. This allows customers to pay using their preferred methods, including FPX online banking, Visa/Mastercard credit and debit cards, and popular e-wallets.
• Payment Links: Generate and share payment links via email, SMS, or social media. This is useful for businesses that do not have a website, allowing them to collect payments for services or products instantly.
• Payment Pages: Create simple, custom-branded online storefronts without any coding. You can list products or services and accept payments directly on these pages.
• Recurring Payments: Automate subscription billing and recurring collections. This feature supports direct debit from bank accounts, recurring card payments, and auto-debits from e-wallets like TNG Digital.
• Payouts and Route: Manage and automate vendor payments, customer refunds, and other disbursements. The 'Route' feature allows for splitting incoming payments among multiple parties, which is ideal for marketplaces.
• E-commerce Plugins: Easily integrate with popular e-commerce platforms. Ready-made plugins are available for Shopify, WooCommerce, Magento, and Opencart, making setup fast and simple.
• Buy Now Pay Later (BNPL): Offer customers flexible payment options through BNPL providers like Atome. This can help increase conversion rates by making purchases more affordable.
• Invoice Payments: Create and send digital invoices to your customers. The invoices include a payment link, making it easier for clients to pay you quickly.

Razorpay Curlec Pricing Plans

Razorpay Curlec primarily operates on a transaction-based pricing model. There are generally no setup fees or monthly charges for a standard account. Instead, businesses pay a small percentage and/or a fixed fee for each successful transaction. The exact rates differ based on the payment method used by the customer; for example, FPX transactions typically have a different fee structure than international credit card payments. For large businesses with high transaction volumes, Razorpay Curlec offers custom enterprise plans with tailored pricing, dedicated support, and access to advanced features.

Razorpay Curlec Free Plan

Razorpay Curlec does not have a traditional free plan with limited features. However, it is free to sign up and create an account. There are no annual maintenance fees or setup costs. You only pay when you receive a payment from a customer. This pay-as-you-go model allows businesses of any size to start using the platform without any upfront investment. It functions like a free plan where the cost is directly tied to usage.

How to use Razorpay Curlec

Getting started with Razorpay Curlec is a straightforward process.

1. Sign Up: Go to the Razorpay Curlec website and register for a new account by providing your business details.
2. Onboarding: Complete the online onboarding process. This involves submitting necessary business documents (like SSM registration) for verification, which is a standard procedure for financial services.
3. Account Activation: Once your documents are verified, your account will be activated, usually within a short period.
4. Integration: Choose how you want to accept payments. You can install a plugin on your e-commerce store (e.g., Shopify, WooCommerce), integrate using their API for a custom solution, or start using no-code tools like Payment Links and Payment Pages immediately.
5. Go Live: After integration, you can start accepting payments from your customers in Malaysia. All transactions and reports can be viewed and managed from your Razorpay Curlec dashboard.

Pros and Cons of Razorpay Curlec

Pros:

• Multiple Payment Methods: Supports a wide range of local payment options, including FPX, which is very popular in Malaysia.
• Comprehensive Feature Set: Offers more than just a payment gateway, with tools for subscriptions, payouts, and invoicing.
• Easy E-commerce Integration: Provides simple plugins for major platforms like Shopify and WooCommerce.
• Quick Onboarding: The activation process is fully online and relatively fast.
• Strong Subscription Tools: Excellent features for businesses that rely on recurring revenue.

Cons:

• Malaysia-Focused: While excellent for the Malaysian market, it may not be the best choice for businesses with a large global customer base.
• Transaction Fees: Like all payment gateways, the fees can impact profit margins, especially for low-price items.
• Support Can Be Slow: During peak times, customer support response may be delayed for non-enterprise users.

Razorpay Curlec Integrations

Razorpay Curlec provides official plugins for easy integration with major e-commerce platforms, allowing businesses to add a payment gateway to their online stores without needing to write code.

• Shopify Integration: Add Razorpay Curlec as a payment provider in your Shopify store settings to accept payments seamlessly.
• WooCommerce Integration: A dedicated WordPress plugin allows you to connect your WooCommerce store to the payment gateway.
• Magento Integration: An extension is available for Magento 1 and Magento 2 stores to process payments.
• Opencart Integration: Integrate the payment gateway into your Opencart-based website to offer various payment methods.

Razorpay Curlec Alternatives

• Stripe: A global payment processing giant known for its powerful API, extensive developer documentation, and wide range of features. It is a strong competitor for tech-savvy businesses and those selling internationally.
• Billplz: A Malaysian payment gateway that focuses on simplicity and low costs, especially for FPX transactions. It is a popular choice for small businesses and startups that need a basic, affordable solution.
• eGHL: An established payment gateway in Southeast Asia with a strong presence in Malaysia. It offers a wide array of payment channels and serves many large corporations in the region.
• iPay88: Another long-standing and widely trusted payment gateway in Malaysia, offering services to a large number of online merchants with reliable payment processing.

Razorpay Curlec API

Yes, Razorpay Curlec provides a robust and well-documented API for developers. This allows for deep, custom integrations into websites, mobile apps, and other software systems. Developers can use the API to create custom checkout experiences, manage subscriptions, process refunds, and automate payouts.

To get started, you need to sign up for a Razorpay Curlec account. Once your account is activated, you can find your API keys (Key ID and Key Secret) in your dashboard, usually under a 'Settings' or 'API Keys' section. These keys are used to authenticate your API requests.

Here is a basic cURL example of how you might create a Payment Link using the API:

curl -u YOUR_KEY_ID:YOUR_KEY_SECRET \
-X POST https://api.razorpay.com/v1/payment_links/ \
-H "Content-Type: application/json" \
-d '{ 
  "amount": 1000, 
  "currency": "MYR", 
  "accept_partial": false, 
  "description": "For test payment", 
  "customer": { 
    "name": "John Doe", 
    "email": "johndoe@example.com", 
    "contact": "+60123456789" 
  }, 
  "notify": { 
    "sms": true, 
    "email": true 
  } 
}'

For complete details, it is best to consult the official Razorpay API documentation on their website.

Razorpay Curlec Affiliate program

Information about a formal, public affiliate program for Razorpay Curlec is not readily available on their website. Many B2B financial technology companies handle partnerships on a case-by-case basis. If you are interested in becoming a partner, reseller, or promoting their services as an influencer, the best approach is to contact their business development or partnerships team directly. You can usually find a 'Contact Us' or 'Partner with Us' section on their website to send an inquiry about potential collaboration opportunities.