{"id":19639,"date":"2026-06-30T06:44:13","date_gmt":"2026-06-30T06:44:13","guid":{"rendered":"https:\/\/curlec.com\/blog\/?p=19639"},"modified":"2026-06-30T06:44:13","modified_gmt":"2026-06-30T06:44:13","slug":"pay-by-link-how-service-businesses-get-paid-in-malaysia","status":"publish","type":"post","link":"https:\/\/curlec.com\/blog\/pay-by-link-how-service-businesses-get-paid-in-malaysia\/","title":{"rendered":"Pay by Link: How Service Businesses Get Paid in Malaysia"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For most service businesses in Malaysia, the toughest part of getting paid is not the work itself, but what comes after. The job is agreed over WhatsApp or a quick call, the rate is confirmed, and then comes the familiar request for a bank transfer. From there, the wait begins. Yet, customers often forget to transfer, screenshots get buried in chat threads, and the business owner ends up chasing payments alongside running everything else.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, there is a faster way that does not involve building a website or running an online store. <\/span><span style=\"font-weight: 400;\">Pay by link in Malaysia<\/span><span style=\"font-weight: 400;\"> has become a practical default for freelancers, consultants, tutors, photographers, and home-based service providers who need to collect payments online without the overhead of an e-commerce setup, using a single secure URL. Here\u2019s how that works.<\/span><\/p>\n<div style=\"background: #E8EDF4; border-left: 4px solid #1A73E8; padding: 24px; border-radius: 4px; margin: 30px 0;\">\n<h3 style=\"color: #1a73e8; font-size: 24px; font-weight: bold; margin: 0 0 16px 0;\">Key Takeaways<\/h3>\n<ul style=\"margin: 0; padding-left: 20px;\">\n<li><strong>Pay by Link Simplifies Online Payments:<\/strong> Pay by link lets a business collect online payments through a single shareable URL, with no website or checkout page required.<\/li>\n<li><strong>Suitable for a Wide Range of Use Cases:<\/strong> The link works for booking deposits, consultation fees, project milestones, final invoicing, and one off sales over WhatsApp or social media.<\/li>\n<li><strong>Supports Malaysia&#8217;s Preferred Payment Methods:<\/strong> Customers can pay using FPX from over 22 Malaysian banks, Visa and Mastercard cards, including international cards, and e-wallets such as GrabPay, Touch &#8216;n Go eWallet, and Boost.<\/li>\n<li><strong>Quick to Create and Easy to Scale:<\/strong> A link can be generated in three steps through the dashboard, or created in bulk through batch upload and APIs for higher volume needs.<\/li>\n<li><strong>Secure and Fully Compliant:<\/strong> Every transaction is processed through infrastructure regulated by Bank Negara Malaysia and certified to PCI DSS.<\/li>\n<li><strong>Manage Everything from One Dashboard:<\/strong> Links are valid for up to six months by default, with real time payment status, reminders, and refunds managed from the same dashboard.<\/li>\n<\/ul>\n<\/div>\n<h2><b>What <\/b><b>Pay by Link<\/b><b> Actually Means<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A payment link is a secure, shareable URL that takes a customer to a hosted checkout page where they can complete payment in seconds. The business generates the link, sets the amount, and shares it through WhatsApp, email, SMS, Telegram, or social media. The customer taps the link, chooses their preferred payment method, and the transaction completes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There is no website to build, no plugin to install, and no integration work. The payment provider hosts the checkout page, so the business never sees or stores the customer&#8217;s payment details. Funds settle into the business account in line with the provider&#8217;s standard settlement schedule.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From the customer&#8217;s perspective, it works exactly like any other online checkout: enter details, confirm, and it\u2019s done.<\/span><\/p>\n<h2><b>Why Service Businesses Do Not Need a Checkout Page<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A full website with a built-in checkout makes sense for product-based businesses with a catalogue, stock levels, and a steady stream of orders. But for service providers, the maths is different, as sales usually happen through conversation, like a tutor agreeing on lesson timings with a parent, a consultant scoping a project over a Zoom call, or a photographer talking through deliverables in a WhatsApp chat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In that context, a checkout page adds friction rather than removing it. A <\/span><span style=\"font-weight: 400;\">payment link for service business<\/span><span style=\"font-weight: 400;\"> use fits into the existing conversation, where the client receives the link in the same channel they have been using to communicate, taps it once, and pays. There is no catalogue browsing, no cart, and no checkout journey to abandon halfway through.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It also fits how service businesses tend to bill, which is rarely uniform. Some invoice irregularly based on when projects close, while others collect deposits upfront and the balance on completion, or bill against milestones over the course of a retainer. With a link, payment can be handled flexibly, without the rigidity of a system built around fixed prices and settling payment instantly.<\/span><\/p>\n<h2><b>When to Use a <\/b><b>Payment Link in a Service Business<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Here are several use case scenarios where payment links are especially advantageous:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Booking deposits:<\/b><span style=\"font-weight: 400;\"> Lock in a wedding shoot, a tuition slot, or a service appointment by collecting a non-refundable deposit at the point of booking.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consultation fees:<\/b><span style=\"font-weight: 400;\"> Charge for a discovery call, a one-hour advisory session, or a paid quote before the work starts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Project milestones:<\/b><span style=\"font-weight: 400;\"> Split a larger fee into instalments tied to scope delivery, with a fresh link sent at each stage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Final invoicing:<\/b><span style=\"font-weight: 400;\"> Replace the bank transfer request with a payment link sent alongside the invoice, so the client can pay immediately rather than queuing it for later.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>One-off sales over WhatsApp or social media:<\/b><span style=\"font-weight: 400;\"> Capture impulse buys from a Facebook post, an Instagram story, or a customer DM without losing them to a multi-step checkout.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In each case, the link removes a step, and that\u2019s where the value lies. The client does not need to find your bank details, type them into an app, transfer, screenshot, and send. They just tap and pay.<\/span><\/p>\n<h2><b>How to Create a Payment Link<\/b><b> in Three Steps with Razorpay Curlec<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The process for <\/span><span style=\"font-weight: 400;\">how to create a payment link<\/span><span style=\"font-weight: 400;\"> is not complicated. For instance, you can create yours in minutes with Razorpay Curlec through the dashboard:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Generate the link.<\/b><span style=\"font-weight: 400;\"> Log in to the dashboard, open the Payment Links section, and enter the amount, a description, and any customer details you want attached.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enter customer contact details.<\/b><span style=\"font-weight: 400;\"> Add the customer&#8217;s name, mobile number, and email so the link can be sent directly via your preferred channel, including SMS, WhatsApp, or email.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Share and accept payment.<\/b><span style=\"font-weight: 400;\"> Send the link, and receive real-time notifications as soon as the customer pays. <\/span><a href=\"https:\/\/curlec.com\/docs\/payments\/refunds\/\"><span style=\"font-weight: 400;\">Refunds<\/span><\/a><span style=\"font-weight: 400;\">, partial payments, and status updates are managed from the same dashboard.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you\u2019re running a higher-volume business, links can also be generated through the API or through batch upload, where hundreds of links are created at once from a CSV or XLSX file. Webhooks keep accounting systems in sync, and you can set reminders to nudge customers who have not paid yet.<\/span><\/p>\n<h2><b>Three Mini Use Cases for Malaysian Service Providers<\/b><\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-19641 size-full\" src=\"https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-2.37.13-PM.png\" alt=\"A home tutor calculates her earnings. Pay-by-link methods are ideal for this line of work.\" width=\"1702\" height=\"1128\" srcset=\"https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-2.37.13-PM.png 1702w, https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-2.37.13-PM-300x199.png 300w, https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-2.37.13-PM-1024x679.png 1024w, https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-2.37.13-PM-768x509.png 768w, https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-2.37.13-PM-1536x1018.png 1536w\" sizes=\"(max-width: 1702px) 100vw, 1702px\" \/><\/p>\n<h3><b>Tutors running classes from home<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many home-based tutors take bookings directly through WhatsApp, with parents confirming slots one term or one month at a time. Rather than collecting cash fees at the end of each session, the tutor can send a payment link for the full month&#8217;s lessons once the schedule is locked in.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Parents pay via FPX or their preferred e-wallet, and the tutor sees the payment appear in the dashboard before the first class begins, with no need to chase a screenshot afterward.<\/span><\/p>\n<h3><b>Photographers locking in shoot deposits<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Wedding and event photography in Malaysia is typically booked weeks or months in advance, and deposits are part of the standard agreement. Instead of asking clients to make a manual bank transfer, the photographer can share a payment link for the deposit via the same channel used to confirm the booking. Clients can settle with cards, FPX, or e-wallets in one step, and the booking is locked once payment clears.<\/span><\/p>\n<h3><b>Consultants billing against retainers and milestones<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Marketing, IT, and management consultants often work on monthly retainers or milestone-based scopes, which can make collections messy when invoices are sent in arrears. Sending a payment link at the start of each cycle, or at each agreed milestone, replaces the wait-and-chase pattern with something more predictable. The client pays in seconds, and the consultant has clearer visibility on cash flow without needing a finance team to follow up on outstanding invoices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each of these works without a website, without a developer, and without sharing personal bank details over chat.<\/span><\/p>\n<h2><b>Get Paid Without Building a Checkout Page<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re running a service business or freelancing, you might be familiar with the friction of getting paid, where a gap often sits between agreeing on a price and actually receiving the money. Fortunately, a payment link closes that gap without forcing you to invest in a full e-commerce setup.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Razorpay Curlec, our <\/span><a href=\"https:\/\/curlec.com\/payment-links\/\"><span style=\"font-weight: 400;\">payment links<\/span><\/a><span style=\"font-weight: 400;\"> let Malaysian service providers like you collect payments through a single shareable URL, with support for FPX from over 22 banks, Visa, and Mastercard, and the e-wallets customers already use day-to-day. Setup takes minutes through the payment links dashboard, and every transaction runs through infrastructure regulated by Bank Negara Malaysia and certified to PCI DSS.<\/span><\/p>\n<div style=\"background: #f0f8ff; padding: 30px; margin: 35px 0; border-radius: 8px; font-family: Arial, sans-serif; text-align: center; border: 1px solid #D6E9FF;\">\n<h2 style=\"margin-top: 0; color: #007bff; font-size: 24px;\">Ready to Start Accepting Payments by Link?<\/h2>\n<p style=\"margin: 15px 0; color: #333; font-size: 16px; line-height: 1.6;\">Start collecting payments without building a checkout page. Discover how to <a href=\"https:\/\/curlec.com\/payment-links\/\" target=\"_blank\" rel=\"noopener noreferrer\">pay by link<\/a> with Razorpay Curlec today.<\/p>\n<\/div>\n<h2><b>Frequently Asked Questions About Pay by Link in Malaysia<\/b><\/h2>\n<h3><b>Is <\/b><b>pay by link<\/b><b> safe for both businesses and customers?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Razorpay Curlec payment links direct customers to a hosted checkout page that is PCI DSS compliant. You don\u2019t see or store the customer&#8217;s card or bank details, and every transaction is processed through infrastructure regulated by Bank Negara Malaysia. From the customer&#8217;s side, the experience is the same as any standard online checkout, with secure encryption applied throughout.<\/span><\/p>\n<h3><b>How do refunds work for payments collected through a payment link?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Refunds are processed from the Razorpay Curlec dashboard. You log in, locate the payment, and issue either a full or partial refund. The amount is returned to the original payment method, typically within 5 to 7 working days. Batch refunds for high-volume businesses can also be processed by uploading a CSV file.<\/span><\/p>\n<h3><b>How long is a payment link valid before it expires?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">By default, a Razorpay Curlec payment link is valid for six months from the date it is created. You can set a shorter expiry where needed, for example to enforce a deposit deadline. Expired links can be regenerated through the dashboard in seconds.<\/span><\/p>\n<h3><b>What payment methods can customers use to pay through a Curlec link?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Customers can pay using FPX online banking from more than 22 Malaysian banks, Visa and Mastercard debit or credit cards, and major e-wallets. International card payments are also supported, which is useful if you are dealing with overseas clients.<\/span><\/p>\n<h3><b>Do I need a registered business to start using payment links in Malaysia?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. To start accepting payments through Razorpay Curlec, the account must be linked to a registered Malaysian business, including sole proprietorships and partnerships registered with the Companies Commission of Malaysia (SSM). The onboarding process verifies business details and bank account information before the account is activated.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do refunds work for payments collected through a payment link?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Refunds are processed from the Razorpay Curlec dashboard. You log in, locate the payment, and issue either a full or partial refund. The amount is returned to the original payment method, typically within 5 to 7 working days. 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The job is agreed over WhatsApp or a quick call, the rate is confirmed, and then comes the familiar request for a bank transfer. From there, the wait begins. Yet, customers often forget to [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":19640,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-19639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"_links":{"self":[{"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/posts\/19639","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/comments?post=19639"}],"version-history":[{"count":1,"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/posts\/19639\/revisions"}],"predecessor-version":[{"id":19642,"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/posts\/19639\/revisions\/19642"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/media\/19640"}],"wp:attachment":[{"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/media?parent=19639"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/categories?post=19639"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/curlec.com\/blog\/wp-json\/wp\/v2\/tags?post=19639"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}