Many Malaysian businesses encounter the same situation: a customer confirms an order, the conversation concludes, and the payment does not follow. Following up takes time, and by then the moment has passed.
The issue is rarely the customer’s willingness to pay. More often, it comes down to how the payment request was set up and when it was sent. Getting these two things right makes a measurable difference to whether the transaction is completed or left unresolved.
Key Takeaways
- What a Payment Link Does: A payment link directs customers to a secure, pre-loaded checkout page, removing the need for manual bank transfers or a website.
- What to Include: A clear amount, a short description, and an optional expiry date keep transactions organised and reduce customer hesitation.
- Where to Share It: Payment links can be distributed via WhatsApp, email, Instagram DM, Telegram, and Facebook Messenger.
- Customer Experience Matters: Timing, context, and a clear description directly influence whether a customer completes the payment or abandons the link.
- Security Is Built In: Payment links from regulated providers are PCI DSS-compliant and processed under Bank Negara Malaysia’s oversight.
Why the Payment Request Experience Matters
Consider two approaches to the same situation. A customer confirms an order over WhatsApp. In the first approach, the business shares a bank account number and requests a transfer screenshot. In the second, a payment link is sent. The customer selects a payment method, completes the transaction, and both parties receive confirmation immediately.
The end result is the same, but the customer experience is markedly different. For businesses managing multiple orders daily, the second approach also removes the need for manual reconciliation, follow-up chasing, and receipt matching.
Understanding how to create a payment link for customers in Malaysia effectively is one part of the equation. Understanding what makes customers confident enough to complete the payment without hesitation is equally important.
What Goes Into a Well-Configured Payment Link
Before generating a link, several fields directly shape how the customer experiences the checkout:
- Amount: Pre-loaded into the checkout page. Confirming this before sending avoids discrepancies and the need to cancel and reissue the link.
- Description: A clear, specific description, such as “Deposit for Custom Cake Order” or “Consultation Fee for 3 May”, gives the customer the context they need to pay with confidence. Ambiguous descriptions are a common source of hesitation.
- Customer details: Including a phone number or email allows the system to send the link directly and maintains a record of who was billed.
- Expiry date: Particularly useful for deposits or time-sensitive requests. It sets a clear deadline without requiring a manual follow-up.
- Partial payments: For transactions requiring an upfront deposit, this option allows the customer to pay a portion initially, with the balance collected at a later stage.
All of these are configured from the Razorpay Curlec dashboard. No technical background is required.
Steps to Create a Payment Link for Business
The steps to create payment links for businesses through Razorpay Curlec are as follows:
- Log in to your Razorpay Curlec dashboard.
- Navigate to Payment Links in the main menu.
- Enter the payment amount.
- Add a description that clearly identifies the transaction.
- Include the customer’s phone number or email if you wish the system to send the link automatically, or leave this blank to share it manually.
- Set an expiry date if applicable.
- Click Create. The link is generated immediately.
- Share via WhatsApp, email, Telegram, Instagram DM, or any other channel.
Once payment is completed, both parties receive confirmation and the transaction is logged automatically in the dashboard. No manual reconciliation is required.
Sharing the Link Effectively
Generating the link is straightforward. How and when it is shared has an equally significant impact on whether the customer follows through.
- Timing. A payment link is most effective when sent immediately after the customer has confirmed the order or agreed to a price. Links sent hours later, after the conversation has ended, are more likely to be overlooked.
- Channel consistency. If the order was discussed via WhatsApp, the link should be sent through the same channel. If via email, it belongs in the same thread. Customers are more likely to act when they do not need to switch platforms or piece together context from separate conversations.
- Message clarity. A brief accompanying message is sufficient. Something direct, such as “Please find the payment link for your order below,” is enough. Lengthy explanations around a simple link can introduce doubt rather than reassurance.
For businesses that need to create pay-by-link for online sales across multiple platforms, the underlying principle is consistent: reduce the number of steps between the customer receiving the link and completing the payment.
Common Reasons Customers Do Not Complete Payment
A correctly generated link can still underperform if the surrounding context is not right. The following are worth addressing:
- Unclear descriptions: A link labelled only “Payment” without further detail gives the customer little to go on. Specificity builds confidence.
- Late delivery: Links sent well after a conversation has gone quiet are easy to overlook. Timing matters as much as content.
- Incorrect amounts: Sending a link with the wrong figure creates friction on both ends. A refund must be processed and a new link issued, which unnecessarily delays fulfilment.
- No follow-up process: The Razorpay Curlec dashboard displays the status of all payment links, including those that remain unpaid. A brief follow-up with the link resent is typically sufficient for pending transactions.
Addressing these consistently does not require additional tools. It is primarily a matter of establishing a clear internal process whenever a payment link is issued.
Collect Payments With Less Friction
Create a payment link through Razorpay Curlec and give your business a structured, secure way to collect payments across any channel. Customers access an encrypted checkout page operating under PCI DSS compliant infrastructure, regulated by Bank Negara Malaysia, with support for FPX, credit and debit cards, e-wallets, and DuitNow QR.
Explore Razorpay Curlec today to see if it can work for your business and start getting paid without the back-and-forth.
Frequently Asked Questions About Creating Payment Links
Do I need a website to use payment links?
No. Payment links operate independently of a website. Once generated, the link can be shared via WhatsApp, email, Instagram DM, or Telegram. The customer completes payment on a secure, hosted checkout page.
Can I set an expiry date on a payment link?
Yes. An optional expiry date and time can be set when creating a link. Once the link expires, it can no longer be used to process a payment.
What information should a business include when sending a payment link?
A: At minimum, the link should include the correct payment amount and a clear description of what is being paid for.
What is the difference between a payment link and a payment page?
A payment link is generated for a specific transaction amount and sent directly to a customer. Once paid, the link is marked as complete. A payment page, on the other hand, is a reusable hosted page that can accept multiple payments over time, making it more suitable for businesses that sell the same product or service repeatedly.
How soon should a payment link be sent after a customer confirms an order?
Ideally, the link should be sent as soon as the order is confirmed and the price is agreed upon. Sending it while the customer is still engaged in the conversation significantly increases the likelihood of immediate payment. Links sent hours or days later are more likely to be overlooked.
