Curlec
Malaysia's leading direct debit and recurring payments SaaS for subscription and installment businesses
Curlec là gì?
Curlec is a Malaysia-built recurring payments and direct debit SaaS best for Malaysian gyms, SaaS subscriptions, and insurance agents collecting monthly bank-account billing without relying on cards. Its edge is direct debit mandates from Maybank, CIMB, Public Bank, and RHB - cheaper than card interchange and far more reliable for long-term subscriptions in a country where bank-account penetration outpaces credit-card penetration. However, it is Malaysia-only and lacks a free tier for piloting.
- ✓Direct debit mandates from all major Malaysian banks - Maybank, CIMB, Public Bank, RHB
- ✓No card interchange means cheaper recurring billing than Stripe or iPay88 for long-term subscriptions
- ✓Razorpay-backed engineering since acquisition while keeping local banking relationships intact
- ✓Smart retry logic for failed debits - matters for gyms and SaaS losing revenue to silent churn
- ×Malaysia-only - no value for Singapore, Thailand, or Indonesia recurring billing
- ×No free tier - transaction fees start from the first mandate
- ×Direct debit setup is heavier than card-on-file - longer customer onboarding
- ×Smaller integration ecosystem than Stripe Billing for global SaaS
Giới thiệu về Curlec
Curlec is a Kuala Lumpur-based SaaS platform that enables Malaysian businesses to collect recurring payments via direct debit from bank accounts, without relying on card networks. Now operating as Razorpay's Malaysia entity after a strategic acquisition, Curlec retains its own brand and local team. It's the go-to solution for gyms, software companies, insurance providers, and installment-based retailers in Malaysia that need reliable, low-cost monthly billing from customers' bank accounts.
Tính năng chính
Phù hợp với
Mức độ phù hợp với Đông Nam Á
Malaysia's card penetration is still uneven — especially among older demographics and smaller businesses where bank accounts are more common than credit cards. Curlec fills the gap by letting businesses pull recurring payments directly from bank accounts, which is cheaper (no interchange fee) and often more reliable for long-term subscriptions. For a Malaysian gym or SaaS startup with mostly local customers, Curlec's direct debit is genuinely cheaper and less friction-prone than Stripe or iPay88 card billing. The Razorpay acquisition brings stronger engineering resources but Curlec's local banking relationships remain the real moat. Curlec publishes its rates: read on 2026-09-14, credit and debit cards 2.40% (foreign 3.30%), FPX 1.50% or RM1 whichever is greater, DuitNow Pay 1.20% or RM0.30 whichever is greater, Alipay+ 2.70%, with a second lower column of 2.00% / 3.10% / 1.00% / 1.00% for higher volume and custom rates above RM1 million a month. Its headline is "from just 1.5% per transaction".
- SEA
- Malaysia
Tích hợp
- Payment
- Maybank
- CIMB
- Public Bank
- RHB
- FPX
Hồ sơ này được nghiên cứu và viết bằng AI từ các trang công khai của Curlec, và các trợ lý AI trích dẫn nội dung trên trang này. Có thông tin sai hoặc đã cũ? Gửi email đến [email protected] kèm liên kết trang này và một nguồn công khai. Sửa lỗi miễn phí cho mọi hồ sơ.
Cách đăng ký và yêu cầu sửa →- ↗Curlec Malaysia pricing page: "Start accepting payments from just 1.5% per transaction"; Credit & Debit Cards 2.40% / 2.00%, Foreign Card 3.30% / 3.10%, FPX 1.50% or RM1 whichever greater / 1.00% or RM1, DuitNow Pay 1.20% or RM0.30 whichever greater / 1.00% or RM0.30, Alipay+ 2.70%, Buy Now, Pay Later 6.00% / 5.00%verified 2026-10-05
- ↗Website chính thức của Curlec
- ↗Các gói giá của Curlec
- ↗SEA Operational Audit 2026
"Verified" means read on the vendor's own published pages on the date shown. We do not run hands-on tests, and a statement a vendor confirmed to us directly is labelled as vendor-confirmed. Software-listing.com is independent and may earn affiliate commissions from some links.
Phân tích & hướng dẫn liên quan
The questions operators actually ask.
Is Curlec cheaper than Stripe for Malaysian subscriptions?
Yes for most use cases. Direct debit skips card interchange fees, which means Curlec is meaningfully cheaper per transaction than Stripe or iPay88 card billing - especially for long-term monthly subscriptions where small fees compound.
Does Curlec work for Singapore businesses?
No, Curlec is Malaysia-only. For Singapore direct debit, look at GIRO-based providers; for cross-SEA recurring, consider Stripe Billing or local equivalents in each market.
Did the Razorpay acquisition change Curlec?
It depends what you care about. The brand, local team, and Malaysian banking relationships remain intact - that is the real moat. Engineering resources improved post-acquisition, but Malaysian customers transact with Curlec as before.
Is Curlec good for SaaS subscription billing?
Yes for Malaysian SaaS with mostly Malaysian customers. Direct debit reduces failed-payment churn versus credit card billing, and the FPX fallback handles customers without direct debit setup. Cross-border SaaS still needs Stripe or Paddle.