Key Takeaways<\/h2>\r\n\r\n- Infrastructure is the starting point.<\/strong> The real measure of DuitNow Pay’s success is whether merchants adopt it and customers use it.<\/li>\r\n
- Merchant simplicity matters.<\/strong> Businesses want more payment options without managing more integrations, systems and operational processes.<\/li>\r\n
- Banks do not have to build every layer.<\/strong> Technology partnerships can help banks extend DuitNow Pay while retaining ownership of their merchant relationships.<\/li>\r\n
- Distribution drives adoption.<\/strong> The opportunity is to move from payment availability to merchant activation, transactions and repeat usage.<\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n\r\n\r\n
What Is DuitNow Pay?<\/b><\/h2>\r\n\r\n\r\n\r\n
DuitNow Pay<\/a> is part of Malaysia’s real-time payments (RPP) ecosystem operated by PayNet<\/a>. It enables businesses to offer online payments directly from customers’ accounts, including one time, repeat and recurring payments.<\/p>\r\nBehind this experience is a wider ecosystem.<\/p>\r\n
PayNet provides the underlying infrastructure. Financial institutions participate as issuers and acquirers. Payment technology providers connect this infrastructure to merchant environments. Merchants then bring the payment experience to customers.<\/p>\r\n
That final connection is where the next opportunity lies.<\/p>\r\n\r\n\r\n\r\n
Malaysia Has Built the Rails. Now Comes the Last Mile.<\/h2>\r\n\r\n\r\n\r\n<\/ul>\r\nInfrastructure availability and merchant adoption are two different milestones.<\/p>\r\n
For businesses, DuitNow Pay needs to work within existing checkout, transaction management, reporting and reconciliation processes.<\/p>\r\n
The challenge is that merchant needs vary.<\/p>\r\n
A large ecommerce platform may have dedicated engineering teams and require greater control. An SME may prioritise a faster implementation with fewer technical requirements.<\/p>\r\n
The same payment capability therefore needs to work across very different merchant environments.<\/p>\r\n
The easier this complexity is to manage, the easier it becomes for businesses to adopt DuitNow Pay.<\/p>\r\n\r\n\r\n\r\n
Merchants Do Not Want Another Payment Integration<\/h2>\r\n\r\n\r\n\r\n
A merchant’s goal is rarely to integrate DuitNow Pay.<\/p>\r\n
They want to give customers more ways to pay, improve checkout and manage payments efficiently.<\/p>\r\n
Yet businesses already manage cards, FPX, wallets and other payment methods. If every new method requires another integration, reporting environment and operational process, innovation creates more complexity.<\/p>\r\n
DuitNow Pay becomes more useful when it can sit alongside the payment methods merchants already accept.<\/p>\r\n
For banks, this changes the question from: how do we make DuitNow Pay available? To: how do we make it easy for merchants to adopt and manage?<\/p>\r\n
The Banking Challenge: Build, Partner or Both?<\/h2>\r\n
\r\n\r\n<\/p>\r\n
Banks already bring trust, financial infrastructure, distribution and strong customer relationships.<\/p>\r\n
But extending a new payment capability to merchants can require more than access to the payment rail. There is merchant onboarding, checkout integration, transaction management, reporting, reconciliation and ongoing operations.<\/p>\r\n
Banks can build these capabilities internally. They can also work with payment technology providers for selected parts of the merchant experience.<\/p>\r\n
The two approaches are not mutually exclusive.<\/p>\r\n
Banks can retain ownership of their merchant relationships and commercial proposition while using specialised technology behind the scenes.<\/p>\r\n
The strategic question is therefore not whether banks can build every layer.<\/p>\r\n
It is where should banks build, and where can partnerships create greater value?<\/strong><\/p>\r\nWhat Does Successful Adoption Look Like?<\/h2>\r\n
\r\n\r\n<\/p>\r\n
Availability is important, but it is not the end goal.<\/p>\r\n
The goal is to ensure that DuitNow Pay moves closer to becoming part of everyday commerce.<\/p>\r\n
Success should therefore be measured not only by how many merchants can access DuitNow Pay, but by how many activate it, transact with it and continue using it.<\/p>\r\n
![\"\"](\"https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/10\/Codex-Image-Oct-16-2026-02_12_22-PM-1024x341.png\")
<\/p>\r\n
Bringing DuitNow Pay to Merchants with Razorpay Curlec<\/h2>\r\n
\r\n\r\n<\/p>\r\n
DuitNow Pay creates the opportunity. Razorpay Curlec helps banks bring that opportunity to their merchants under their own brand.<\/p>\r\n
With our white label payment technology, banks can extend DuitNow Pay to their merchant base without having to build every layer themselves.<\/p>\r\n
Razorpay Curlec provides the technology behind integration, payment orchestration, testing and merchant management, while the bank retains ownership of the merchant relationship and experience.<\/p>\r\n
This means banks can offer a merchant facing payment proposition powered by Razorpay Curlec, but delivered under their own brand.<\/p>\r\n
Because enabling DuitNow Pay is only the beginning. Making it easy for merchants to adopt is what drives usage.<\/p>\r\n
![\"\"](\"https:\/\/curlec.blog.razorpay.in\/wp-content\/uploads\/2026\/10\/Middle-1024x553.jpg\")
<\/p>\r\n
From Infrastructure to Everyday Usage<\/h2>\r\n
Malaysia has built the rails. The next opportunity is getting those rails closer to businesses.<\/p>\r\n
PayNet provides the infrastructure. Banks bring reach, trust and merchant relationships. Payment technology providers can help bridge the technology gap.<\/p>\r\n
When these layers work together, DuitNow Pay can move from infrastructure availability to merchant adoption and everyday transactions.<\/p>\r\n\r\n\r\n\r\n
\r\nDiscover Razorpay Curlec Banking Solutions<\/h2>\r\n
Interested in exploring how Razorpay Curlec can help your bank bring DuitNow Pay to more merchants under your own brand? Get in touch with our team.<\/p>\r\n
What Is DuitNow Pay?<\/b><\/h2>\r\n\r\n\r\n\r\n
DuitNow Pay<\/a> is part of Malaysia’s real-time payments (RPP) ecosystem operated by PayNet<\/a>. It enables businesses to offer online payments directly from customers’ accounts, including one time, repeat and recurring payments.<\/p>\r\n Behind this experience is a wider ecosystem.<\/p>\r\n PayNet provides the underlying infrastructure. Financial institutions participate as issuers and acquirers. Payment technology providers connect this infrastructure to merchant environments. Merchants then bring the payment experience to customers.<\/p>\r\n That final connection is where the next opportunity lies.<\/p>\r\n\r\n\r\n\r\n Infrastructure availability and merchant adoption are two different milestones.<\/p>\r\n For businesses, DuitNow Pay needs to work within existing checkout, transaction management, reporting and reconciliation processes.<\/p>\r\n The challenge is that merchant needs vary.<\/p>\r\n A large ecommerce platform may have dedicated engineering teams and require greater control. An SME may prioritise a faster implementation with fewer technical requirements.<\/p>\r\n The same payment capability therefore needs to work across very different merchant environments.<\/p>\r\n The easier this complexity is to manage, the easier it becomes for businesses to adopt DuitNow Pay.<\/p>\r\n\r\n\r\n\r\n A merchant’s goal is rarely to integrate DuitNow Pay.<\/p>\r\n They want to give customers more ways to pay, improve checkout and manage payments efficiently.<\/p>\r\n Yet businesses already manage cards, FPX, wallets and other payment methods. If every new method requires another integration, reporting environment and operational process, innovation creates more complexity.<\/p>\r\n DuitNow Pay becomes more useful when it can sit alongside the payment methods merchants already accept.<\/p>\r\n For banks, this changes the question from: how do we make DuitNow Pay available? To: how do we make it easy for merchants to adopt and manage?<\/p>\r\n \r\n\r\n<\/p>\r\n Banks already bring trust, financial infrastructure, distribution and strong customer relationships.<\/p>\r\n But extending a new payment capability to merchants can require more than access to the payment rail. There is merchant onboarding, checkout integration, transaction management, reporting, reconciliation and ongoing operations.<\/p>\r\n Banks can build these capabilities internally. They can also work with payment technology providers for selected parts of the merchant experience.<\/p>\r\n The two approaches are not mutually exclusive.<\/p>\r\n Banks can retain ownership of their merchant relationships and commercial proposition while using specialised technology behind the scenes.<\/p>\r\n The strategic question is therefore not whether banks can build every layer.<\/p>\r\n It is where should banks build, and where can partnerships create greater value?<\/strong><\/p>\r\n \r\n\r\n<\/p>\r\n Availability is important, but it is not the end goal.<\/p>\r\n The goal is to ensure that DuitNow Pay moves closer to becoming part of everyday commerce.<\/p>\r\n Success should therefore be measured not only by how many merchants can access DuitNow Pay, but by how many activate it, transact with it and continue using it.<\/p>\r\n \r\n\r\n<\/p>\r\n DuitNow Pay creates the opportunity. Razorpay Curlec helps banks bring that opportunity to their merchants under their own brand.<\/p>\r\n With our white label payment technology, banks can extend DuitNow Pay to their merchant base without having to build every layer themselves.<\/p>\r\n Razorpay Curlec provides the technology behind integration, payment orchestration, testing and merchant management, while the bank retains ownership of the merchant relationship and experience.<\/p>\r\n This means banks can offer a merchant facing payment proposition powered by Razorpay Curlec, but delivered under their own brand.<\/p>\r\n Because enabling DuitNow Pay is only the beginning. Making it easy for merchants to adopt is what drives usage.<\/p>\r\n Malaysia has built the rails. The next opportunity is getting those rails closer to businesses.<\/p>\r\n PayNet provides the infrastructure. Banks bring reach, trust and merchant relationships. Payment technology providers can help bridge the technology gap.<\/p>\r\n When these layers work together, DuitNow Pay can move from infrastructure availability to merchant adoption and everyday transactions.<\/p>\r\n\r\n\r\n\r\n Interested in exploring how Razorpay Curlec can help your bank bring DuitNow Pay to more merchants under your own brand? Get in touch with our team.<\/p>\r\nMalaysia Has Built the Rails. Now Comes the Last Mile.<\/h2>\r\n\r\n\r\n\r\n
<\/ul>\r\n
Merchants Do Not Want Another Payment Integration<\/h2>\r\n\r\n\r\n\r\n
The Banking Challenge: Build, Partner or Both?<\/h2>\r\n
What Does Successful Adoption Look Like?<\/h2>\r\n
<\/p>\r\nBringing DuitNow Pay to Merchants with Razorpay Curlec<\/h2>\r\n
<\/p>\r\nFrom Infrastructure to Everyday Usage<\/h2>\r\n
Discover Razorpay Curlec Banking Solutions<\/h2>\r\n