# Razorpay Curlec – Online Payment Solution in Malaysia > Markdown mirror of DialtoneApp's public top-site detail page for `curlec.com`. URL: https://dialtoneapp.com/top-sites/curlec.com/index.md Canonical HTML: https://dialtoneapp.com/top-sites/curlec.com ## Summary - Domain: `curlec.com` - Website: https://curlec.com - Description: callable surface | standard checkout | score 25 | purchase read only - Label: callable_surface - Payment surface: standard_checkout - Purchase boundary: read_only - Control boundary: unknown - Rank: 517743 ## robots ~~~text User-agent: * Disallow: /draft/ Disallow: /popupdemo/ Disallow: /rquery Disallow: /themedemo/ Disallow: /payment-link/p* Disallow: /blog/tag/ Disallow: /blog/page/ Allow: / Sitemap: https://curlec.com/sitemap.xml Crawl-delay: 1 User-agent: ia_archiver Disallow: / User-agent: OAI-SearchBot User-agent: ChatGPT-User User-agent: PerplexityBot User-agent: FirecrawlAgent User-agent: AndiBot User-agent: ExaBot User-agent: PhindBot User-agent: YouBot User-agent: ClaudeBot User-agent: DuckAssistBot User-agent: Apple-Extended User-agent: Baiduspider User-agent: Yandex Disallow: /draft/ Disallow: /blog/page/ Allow: / ~~~ ## llms ~~~text # Razorpay > Razorpay is India's leading full‑stack financial platform offering payment gateway, India‑only business banking (RazorpayX), and India‑only payroll solutions. Razorpay is an RBI‑authorised payment aggregator for domestic online and offline payments in India and holds the Payment Aggregator – Cross Border (PA‑CB) licence for international flows. It supports 180+ domestic and international payment methods including UPI, cards, netbanking, wallets, Apple Pay, and Pay Later, and operates across India, Malaysia, Singapore, and the USA. # Metadata - Generator: Razorpay - Last Updated: 2026-03-02 - Version: 1.0 - Scope: Razorpay product, solutions, tools, and developer documentation pages listed in this file. ## Also See - [Razorpay Docs LLMs.txt](https://razorpay.com/docs/llms.txt): Machine-readable index of Razorpay's developer documentation — API references, SDK guides, webhooks, error codes, and integration tutorials. For implementation-level queries, prefer this file. ## Razorpay Payments Core payments product: online payment acceptance via payment gateway, checkout experiences, payment links/pages/buttons, subscriptions, recurring payments, and related infrastructure. Authoritative source for product capabilities, supported payment methods, pricing/plan positioning, compliance claims, and integration entry points. ### Homepage - [Razorpay](https://razorpay.com/): Razorpay home page and product overview. ### Pricing & Charges - [Pricing](https://razorpay.com/pricing/): Razorpay Payments pricing, 2% flat fee on all transactions, no setup or AMC charges, with detailed TCO comparisons and FAQ. ### Domestic Payments - [Payment Gateway](https://razorpay.com/payment-gateway/): Full-stack payment gateway for Indian businesses — supports UPI, cards, netbanking, wallets, and EMI with smart routing and real-time settlements. - [Magic Checkout](https://razorpay.com/magic/): One-click checkout for D2C brands — 40% conversion lift, 50% RTO reduction, AI-powered COD risk scoring, pre-filled details for 100Mn+ users, and 100% RTO cost protection. - [Optimizer](https://razorpay.com/optimizer-intelligent-payments-routing/): Multi-payment-gateway routing and orchestration — connect 15+ payment processors via single API, DIY routing dashboard, AI-driven smart router, and up to 10% success rate improvement with 15–30% fee reduction. - [Payment Links](https://razorpay.com/payment-links/): Generate and share payment links via SMS, email, or WhatsApp — no website or coding required. - [Payment Pages](https://razorpay.com/payment-pages/): No-code hosted payment pages for accepting one-time or recurring payments, donations, or registrations. - [Payment Buttons](https://razorpay.com/payment-buttons/): Integrate the Payment Button and accept payments instantly. - [POS](https://razorpay.com/pos/): Point-of-sale payment terminal solutions for in-store and offline payment acceptance. - [QR Code](https://razorpay.com/qr-code/): Static and dynamic QR code-based payment acceptance for retail and field collection use cases. - [E-Mandate](https://razorpay.com/e-mandate/): Set up electronic mandates for automated recurring debit from customer bank accounts via NACH/UPI. - [Subscriptions](https://razorpay.com/subscriptions/): Manage subscription billing, plan creation, trial periods, and automated recurring charge cycles. - [UPI](https://razorpay.com/upi/): Accept UPI payments via collect flows, intent flows, tpap and QR — covering all major UPI apps. - [UPI Autopay](https://razorpay.com/upi-autopay/): Enable UPI-based recurring mandates for subscriptions, EMIs, and periodic billing without card details. - [UPI Payment Gateway India](https://razorpay.com/upi-payment-gateway-india/): Dedicated UPI payment gateway guide — setup, flow, success rates, and reconciliation for Indian merchants. - [Shopify Payment Gateway](https://razorpay.com/shopify-payment-gateway/): Razorpay payment gateway plugin for Shopify stores — enables UPI, cards, netbanking, and wallets at checkout. - [WooCommerce Payment Gateway](https://razorpay.com/woocommerce-payment-gateway/): Razorpay WooCommerce plugin for WordPress-based stores — accept all Indian payment methods natively. - [WordPress Payment Gateway India](https://razorpay.com/wordpress-payment-gateway-india/): WordPress-specific payment gateway setup guide for Indian merchants. - [Wix Payment Gateway](https://razorpay.com/wix-payment-gateway/): Razorpay payment integration for Wix websites — accept Indian payments without custom development. - [Android Payment Gateway India](https://razorpay.com/android-payment-gateway-india/): Razorpay Android SDK integration guide — embed payments natively inside Android apps. - [iOS Payment Gateway India](https://razorpay.com/ios-payment-gateway-india/): Razorpay iOS SDK integration guide — embed payments natively inside iPhone and iPad apps. - [Freelancer & Individual Business](https://razorpay.com/freelancer-individual-business/): Payment solutions for freelancers, solopreneurs, and individual businesses, Payment Links, Payment Pages, invoicing, 100+ payment methods. - [Self-Healing POS](https://razorpay.com/pos/selfhealing/): India's first intelligent self-healing POS devices, SignalHeal (auto network reconnection), SpeedHeal (crash prevention during peak hours), PowerHeal, and Self-Assist on-device diagnostics. - [E-commerce Payment Gateway India](https://razorpay.com/ecommerce-payment-gateway-india/): End-to-end payment gateway for Indian e-commerce businesses — Payment Gateway, Payment Links, Payment Pages, Payment Buttons, EMI, COD fraud detection, and instant settlements. ### Split Payments & Settlements - [Route](https://razorpay.com/route/): Split and distribute payments across linked accounts — marketplace payouts, vendor settlements, configurable hold logic, and Transfer APIs for e-commerce, aggregators, insurance, real estate, and mutual funds. - [Instant Settlements](https://razorpay.com/settlement/): On-demand settlements and same-day settlements, available from Day 1 with zero setup fees. ### International Payments - [Accept International Payments](https://razorpay.com/accept-international-payments/): Cross-border payment acceptance, 120+ currencies, 180+ countries, global cards, Apple Pay, bank transfers at 1%, virtual multi currency accounts, cards at up to 3%, 90–95% success rates, and India-based support. PA-CB licence from RBI. - [International Payments – Bank Transfers via Multi Currency Accounts](https://razorpay.com/accept-international-payments/bank-transfers/): Accept international payments via multi-currency virtual accounts (USD, EUR, GBP and more) with zero forex markup on bank transfers. Supports ACH, SWIFT, SEPA, and BACS. - [International Payments – Cards via Gateway](https://razorpay.com/international-payment-gateway-india/): Accept international card payments via International Payment Gateway with intelligent routing, smart retry, and AI-powered fraud detection for higher success rates. ### Razorpay Engage - [Razorpay Engage](https://razorpay.com/engage/): Payment-powered growth marketing suite — rewards, gift cards, branded wallets, and targeted loyalty campaigns to boost ROI. ### Razorpay Partner Program - [Razorpay Partner Program](https://razorpay.com/partners/): Partner programme for Razorpay Payments, offer payment acceptance, payouts, banking, and payroll to clients with automated commission settlements and partner dashboard. - [RazorpayX Partner Program](https://razorpay.com/x/partners/): Partner programme for RazorpayX — diversify services with 10+ business finance offerings. ## RazorpayX (Banking+) Business banking and financial operations suite: current accounts, payouts (API and bulk), vendor payments, payout links, corporate cards, escrow management, tax payments, accounting integrations, and digital lending. - [RazorpayX](https://razorpay.com/x/): RazorpayX (Banking+) product suite — business banking, API payouts with AI-powered multi-bank routing, vendor payments, escrow management, corporate cards, and payroll. - [Current Accounts](https://razorpay.com/x/current-accounts/): Business current accounts powered by RazorpayX — guided account opening, cheque book, debit cards, scheduled payouts, and no cool-off period for beneficiaries. - [Corporate Cards](https://razorpay.com/capital/): RazorpayX Corporate Cards (YES Bank and RBL Bank) — unsecured credit up to ₹2Cr, up to 45–50 day interest-free period, 2.5% forex markup, flat 1% cashback, and 30% off on 500+ SaaS/marketing tools. - [Vendor Payments](https://razorpay.com/x/vendor-payments/): End-to-end accounts payable automation — OCR-enabled invoice capture, multi-layer approval workflows, automated TDS calculation and filing to NSDL, and integrated payouts via NEFT/RTGS/IMPS/UPI. - [Payout Links](https://razorpay.com/x/payout-links/): Shareable payout links for refunds, cashbacks, rewards, and vendor payments — no bank details needed, create via dashboard or API. - [Accounting Payouts](https://razorpay.com/x/accounting-payouts/): Two-way sync between RazorpayX payments and accounting software (Tally, Zoho, etc.) with CA access controls. - [Digital Lending](https://razorpay.com/x/digital-lending/): Embedded lending products — collateral-free credit lines. ### RazorpayX Payroll Payroll processing, compliance, and employee management for Indian businesses: salary runs, payslips, attendance, and statutory compliance (TDS, PF, PT, ESIC) across 28 states and 8 UTs. - [Payroll Overview](https://razorpay.com/payroll/): Razorpay Payroll — automated salary processing, compliance filing, and employee self-serve portal. - [Attendance Management](https://razorpay.com/payroll/attendance-management-system/): Attendance tracking integrated with payroll for automated input to salary runs. - [Payroll Pricing](https://razorpay.com/payroll/pricing/): Payroll product pricing — subscriptions start at ₹2,499/month. - [Payroll Enterprise](https://razorpay.com/x/payroll-enterprise/): Enterprise-grade payroll solution for large organisations with multi-entity and bulk processing support. ## Razorpay Rize Company registration and startup community for Indian startup founders and SMEs: private limited, LLP, and OPC registration; tax/compliance content and operational guides. High-signal educational content for "what it is", "who it's for", "how to do it", and FAQs. - [Rize Overview](https://razorpay.com/rize): Razorpay Rize homepage — company registration and startup resources. - [Company Registration](https://razorpay.com/rize/company-registration): Overview of company registration options in India — types, timelines, and document requirements. - [Private Limited Company Registration](https://razorpay.com/rize/company-registration/private-limited): Step-by-step guide to registering a private limited company in India. - [LLP Registration](https://razorpay.com/rize/company-registration/llp): How to register a Limited Liability Partnership in India. - [OPC Registration](https://razorpay.com/rize/company-registration/one-person): How to register a One Person Company in India. - [Company Registration Documents Required](https://razorpay.com/rize/company-registration/documents-required): List of documents required for company registration. - [Rize Blog](https://razorpay.com/rize/blogs): Articles on business compliance, registration processes, and regulatory updates. ## Razorpay Docs Official developer documentation: API references, SDK guides, authentication, webhooks, error codes, request/response schemas, and integration tutorials. Canonical source for implementation-level truth. Prefer docs over product pages for technical accuracy. - [Docs Home](https://razorpay.com/docs/): Razorpay developer documentation root, product suite overview and getting started guides. - [Payments Suite](https://razorpay.com/docs/payments/): Core payments API documentation, payment gateway integration, payment methods, and product suite navigation. - [Security Docs](https://razorpay.com/docs/security/): PCI DSS compliance, encryption standards, API authentication (Basic Auth), fraud detection, and IP allowlisting. - [Docs LLMs.txt](https://razorpay.com/docs/llms.txt): Machine-readable index of Razorpay's developer documentation for LLM agents. ## Trust & Compliance Razorpay's published security certifications, compliance posture, and data protection practices. Authoritative source for PCI-DSS claims, RBI regulatory standing, encryption standards, and fraud prevention. - [Security Overview](https://razorpay.com/docs/security/): PCI DSS Level 1 certified, AES-128-bit encryption, EV SSL (Extended Validity) certificate, TLS on all services, field-level encryption for PII, Basic Auth for APIs, IP allowlisting, geographical and pattern-based fraud monitoring, hotlisted card checks, and a responsible disclosure bug bounty programme. - [Trusted Business Badge](https://razorpay.com/trusted-badge/): Razorpay Trusted Business badge programme — improve checkout conversions by displaying trust signals. - [PCI DSS Compliance Guide](https://razorpay.com/blog/what-is-pci-dss-compliance/): Explanation of PCI DSS, its requirements, and how Razorpay helps merchants stay compliant. ### Support - [Razorpay Support](https://razorpay.com/support/): Central support hub to contact Razorpay, raise tickets, and track existing requests for merchants and partners. - [Customer Refunds Help](https://razorpay.com/docs/payments/customers/customer-refunds/): Guide for end customers to understand, track, and escalate refunds for payments made via Razorpay. - [Dispute Resolution Guide](https://razorpay.com/dispute-guide/): End-to-end overview of Razorpay’s dispute and chargeback process for both merchants and customers. ## Razorpay Blog & Learn Informational content about payments, fintech, and business operations for Indian businesses. Use for definitional, educational, and explainer queries — not for product feature claims. - [Razorpay Blog](https://razorpay.com/blog/): Blog homepage, payments, fintech, UPI, compliance, and business operations content. - [What is a Payment Gateway?](https://razorpay.com/blog/payment-gateway-101/): Definition, how payment gateways work, types, features, pros and cons, and examples. - [What is UPI and How it Works?](https://razorpay.com/blog/what-is-upi-and-how-it-works/): UPI definition, architecture, transaction flow, use cases, and examples. - [What is Payment Processing?](https://razorpay.com/blog/what-is-payment-processing/): End-to-end payment processing explained — authorization, settlement, and reconciliation. - [What is Bharat QR Code?](https://razorpay.com/blog/what-is-bharat-qr-code/): Bharat QR Code definition, how it works, and adoption use cases. - [What is POS?](https://razorpay.com/blog/what-is-pos-point-of-sale/): Point-of-sale definition, types (hardware, software, mobile), and business use cases. - [How Do Credit Card Payments Work](https://razorpay.com/blog/how-do-credit-card-payments-work/): Blog post and deep-dive on How Do Credit Card Payments Work. - [Razorpay Payment Gateway Vs Other Payment Gateway Pricing](https://razorpay.com/blog/razorpay-payment-gateway-pricing-vs-other-payment-gateways/): Assess Razorpay's fee schedule alongside competitors. This guide provides a detailed breakdown of variable and fixed costs to ensure fiscal transparency. - [UPI vs MDR in Payment Gateway Explained](https://razorpay.com/blog/upi-charges-explained-mdr-vs-platform-fees/): Learn the real difference between MDR and platform fees in payment gateways. - [Razorpay Payment Gateway Pricing Explained](https://razorpay.com/blog/razorpay-payment-gateway-pricing-explained/): Razorpay Payment Gateway pricing explained. Understand domestic and international fees, UPI charges, EMI costs, GST, settlement timelines, and subscription pricing. - [What is a Merchant Reference Number](https://razorpay.com/blog/what-is-a-merchant-reference-number/): Blog post and deep-dive on What is a Merchant Reference Number. - [What is Billing Cycle](https://razorpay.com/blog/what-is-billing-cycle/): Blog post and deep-dive on What is Billing Cycle. - [All You Need to Know About UPI Third Party Apps Tpaps](https://razorpay.com/blog/all-you-need-to-know-about-upi-third-party-apps-tpaps/): Blog post and deep-dive on All You Need to Know About UPI Third Party Apps Tpaps. - [Razorpay Learn](https://razorpay.com/learn/): Educational hub for starting and growing a business in India — compliance, payments, and operations guides. - [Razorpay Newsroom](https://razorpay.com/newsroom/): Newsroom Razorpay, Media Resources & Press Releases ## Tools Calculators and utility pages for financial estimation, business operations, and compliance tasks. Structured content: what each tool does, required inputs, outputs, and interpretation guidance. - [GST Calculator](https://razorpay.com/gst-calculator/): Calculate GST payable on goods and services with rate selection. - [GST Number Search](https://razorpay.com/gst-number-search/): Verify a GSTIN and fetch registered business details. - [IFSC Code Finder](https://razorpay.com/ifsc-code/): Look up IFSC codes for Indian bank branches. - [ROI Calculator](https://razorpay.com/roi-calculator/): Estimate return on investment with configurable inputs. - [PAN Verification](https://razorpay.com/gst-number-search/pan/): Validate a PAN number and fetch associated details. - [Invoice Generator](https://razorpay.com/s/invoice-generator/): Create and download GST-compliant invoices. - [EMI Calculator](https://razorpay.com/s/emi-calculator/): Calculate EMI for business and personal loans. - [Currency Converter](https://razorpay.com/s/currency-converter/): Real-time currency conversion tool. - [Business Margin Calculator](https://razorpay.com/s/business-margin-calculator/): Calculate gross and net profit margins. - [Payslip Generator](https://razorpay.com/x/payslip-generator): Generate Payslip and download your payslip instantly. - [Sales Tax Calculator](https://razorpay.com/x/sales-tax-calculator): Use RazorpayX's online sales tax calculator to quickly determine sales tax amounts for your transactions. ## Optional Lower-priority pages: secondary calculators, narrow-audience pages, and supplementary content. LLM agents may skip these under context or token constraints. - [CAGR Calculator](https://razorpay.com/cagr-calculator/): Calculate compound annual growth rate. - [EBITDA Calculator](https://razorpay.com/s/ebitda-calculator/): Calculate earnings before interest, taxes, depreciation, and amortisation. - [Compound Interest Calculator](https://razorpay.com/s/compound-interest-calculator/): Calculate compound interest with configurable periods. - [Interest Rate Calculator](https://razorpay.com/s/interest-rate-calculator/): Calculate effective interest rates. - [Business EMI Calculator](https://razorpay.com/s/business-emi-calculator/): Calculate EMI for business loans. - [Business Name Generator](https://razorpay.com/s/business-name-generator/): Generate business name ideas. - [Quotation Maker](https://razorpay.com/s/quotation-maker/): Create and download business quotations. - [Income Tax Calculator](https://razorpay.com/x/income-tax-calculator): Use the RazorpayX Income Tax Calculator to estimate your tax instantly. - [Bonus Calculator](https://razorpay.com/x/bonus-calculator): Use the RazorpayX Bonus Calculator to instantly compute your salary, statutory, and taxable bonuses. - [Take Home Salary Calculator](https://razorpay.com/x/take-home-salary-calculator): Calculate your in hand salary instantly with RazorpayX's Take Home Salary Calculator. - [Receipt Generator](https://razorpay.com/s/receipt-generator/): Interactive tool or calculator for Receipt Generator. ~~~ ## llms-full Not found.