How to Set Up a Payment Link in Malaysia with Razorpay Curlec

For a modern Malaysian business, sales don’t just happen on a website. They happen everywhere: in a WhatsApp chat, on an Instagram DM, or after sending an invoice via email. In these moments, you need a way to collect payment that is fast, professional, and incredibly simple for your customer.

Asking for a bank transfer is slow and hard to track. A full e-commerce checkout is often unnecessary. The perfect solution is a Payment Link.

A payment link is a unique URL that you can generate and share with a customer, taking them directly to a secure checkout page to complete their payment. It is one of the most powerful and versatile tools for any SME, freelancer, or social seller. This guide will provide a step-by-step walkthrough of how to create and use payment links with Razorpay Curlec to get paid instantly.

Key Takeaways

• What It Is: A payment link is a simple, shareable URL that takes your customer to a secure page to pay for a specific order or invoice.
• The Fastest Way to Pay: It eliminates the friction of manual bank transfers, allowing customers to pay in seconds using their preferred method.
• Accept All Payment Methods: Through a single link, you can accept payments via FPX, DuitNow, credit/debit cards, and e-wallets.
• Perfect for Modern Commerce: Ideal for businesses that sell through social media, messaging apps, email invoices, or over the phone.
• Easy to Create and Track: You can generate a payment link in under a minute from your payment gateway dashboard, with all payments automatically tracked and reconciled.

Why Use Payment Links? The Benefits for Malaysian SMEs

Moving beyond manual bank transfers to using payment links is a major upgrade for any business.

1. Professionalism and Trust: Sending a branded, secure payment link looks far more professional than just sending your bank account number. It gives customers confidence that they are paying a legitimate business.
2. Speed and Convenience: For the customer, paying is as easy as clicking a link and choosing their preferred payment method. For you, the payment is confirmed instantly, meaning you can ship your product or provide your service faster.
3. Enhanced Security: All payments are processed through a secure, PCI DSS compliant payment gateway. This protects both you and your customer from fraud, a risk that is much higher with unverified bank transfers.
4. Automated Tracking: Every payment made through a link is automatically recorded and reconciled in your dashboard. This completely eliminates the manual, error-prone work of checking your bank statement to see who has paid.

How to Create a Payment Link in 4 Simple Steps

With the Razorpay Curlec Payment Gateway, creating a payment link is a fast and simple process that requires no technical skills.

Step 1: Log in to Your Razorpay Curlec Dashboard

This is your central hub for managing all your transactions. Navigate to the “Payment Links” section in the main menu.

Step 2: Click on “Create Payment Link”

This will open a simple form where you will enter the details for this specific transaction.

Step 3: Fill in the Payment Details

• Amount: Enter the exact amount the customer needs to pay.
• Customer Details: Add the customer’s phone number or email address. The system can then automatically send the link to them.
• Description: Add a clear description, such as “Invoice #1234” or “Payment for Custom Kek Lapis”. This helps both you and the customer identify the transaction.
• Set an Expiry Date (Optional): You can set a deadline for when the link will expire, which is useful for creating urgency for time-sensitive offers.

Step 4: Create and Share the Link

Click “Create Payment Link.” The system will instantly generate a unique URL. You can then:

• Let the system automatically send it via email or SMS.
• Copy the link yourself and share it instantly through any channel: WhatsApp, Telegram, Instagram DM, Facebook Messenger, or on a digital invoice.

Did You Know?

Social commerce is one of the biggest drivers of e-commerce growth in Malaysia. A recent industry study revealed that over 60% of Malaysian online shoppers have made a purchase directly through a social media platform. Payment links are the essential tool that makes these social media transactions possible.

Real-World Use Cases for Payment Links in Malaysia

• An Instagram Tudung Seller: After a customer confirms their order in the DMs, the seller creates a payment link for the specific order and shares it directly in the chat.
• A Freelance Consultant: After sending a PDF invoice to a client via email, they include a payment link in the email body for immediate, easy payment.
• A Home Baker: A customer places a custom cake order via WhatsApp. The baker creates a payment link to collect a 50% deposit before starting the work.
• A Service Centre: After a car repair is complete, the service centre sends a payment link to the customer via SMS, allowing them to pay remotely before they come to pick up their vehicle.

Ready to Start Getting Paid in Seconds?

Stop chasing payments and make it incredibly easy for your customers to pay you. Create your first payment link today.

Learn how Razorpay Curlec‘s Payment Links can work for your business.

Conclusion: The Ultimate Tool for Modern, Flexible Sales

Payment links are a simple but incredibly powerful tool for any Malaysian SME. They bridge the gap between conversation and conversion, providing a secure, professional, and highly efficient way to get paid, no matter where you sell. By incorporating payment links into your workflow, you can reduce payment friction, improve your cash flow, and offer a world-class experience to your customers.

Frequently Asked Questions (FAQs) for Malaysian Businesses

What payment methods can my customers use on a payment link?

Your customers can use all the popular Malaysian payment methods that you’ve enabled in your payment gateway account, including FPX, DuitNow QR, credit/debit cards, and major e-wallets.

Are payment links safe for my customers to use?

Yes, absolutely. The link takes them to a checkout page that is hosted on your payment gateway’s secure, PCI DSS compliant servers. All transaction data is encrypted, ensuring the payment is completely safe.

Can I create a payment link where the customer enters the amount?

This is a great use case for donations or flexible service payments. This is typically a feature of Payment Pages, which are designed to be reusable and can be configured to allow customers to input the amount. Payment Links are usually created for a specific, pre-determined amount.

What happens after my customer pays using the link?

You will receive an instant notification of the successful payment. The transaction will be automatically recorded and reconciled in your Razorpay Curlec dashboard, and you can proceed with fulfilling the order.