Paydibs vs Curlec: Which is Best for Malaysian Businesses

When it comes to setting up a shop, selecting the right payment gateway is a pivotal decision that impacts everything from customer experience to your bottom line. In Malaysia, with our rapidly developing digital economies and rise of cashless payments, it’s important for businesses to catch-up to the ever-evolving trends.

Today, we will provide an in-depth comparison of Curlec and Paydibs, two leading local payment providers in the scene.

We’ll explore their features, pricing, and suitability for various business models, aiming to help you make an informed choice for your payment processing needs.

Paydibs: Tailored Solutions for Diverse Business Needs

Paydibs is a rising star in the payment gateway scene in Malaysia. The award-winning payment provider offers flexible solutions to businesses, from those operating purely online to those with physical brick and mortar stores or even operating vending machines! 

One of the most notable features for Paydibs is their seamless integration with popular e-commerce platforms such as WooCommerce and Magento, alongside SDKs and APIs for mobile app developers.

Merchants also benefit from real-time portal access for efficient transaction tracking and management with the Smart Payment Terminal.

• Fast Payouts: Card payouts are typically processed within T+1 working day, and e-wallet payouts within T+2 working days, ensuring quick access to funds.
• Speedy Onboarding: Businesses can expect fast approval for their applications, with deployment often completing in just 3 to 7 days.
• 24/7 Support: They offer round-the-clock hotline help desk support, providing continuous assistance to merchants.

This focus on competitive pricing, efficient payouts, and consistent support positions Paydibs as a strong contender, particularly for businesses seeking reliable and responsive service.

Paydibs’ Main Packages Overview: 

Curlec: A Comprehensive Payment Gateway Solution

Curlec, backed by the global payment giant Razorpay, has established itself as a robust and versatile payment gateway in Malaysia. Initially known for its expertise in recurring payments, Curlec has evolved to offer a full spectrum of payment acceptance methods, catering to a wide array of businesses.

One of Curlec’s core strengths lies in its commitment to providing flexible payment options. It allows businesses to accept payments through:

• Credit & Debit Cards: Supporting major card networks like Visa and Mastercard.
• FPX (Online Banking): Integrating with over 30 Malaysian banks for seamless bank transfers.
• E-Wallets: Covering popular platforms such as GrabPay, Touch ‘n Go, and Boost.
• Buy Now Pay Later (BNPL): Including options like Atome and GrabPay.

Curlec offers a tiered pricing structure designed to accommodate businesses of various sizes and transaction volumes. One notable aspect of their pricing is the absence of an annual fee across all their plans, which is really attractive for businesses.

Here’s a breakdown of their main packages:

The Premium plan offers notably better transaction rates, particularly for card payments, both domestic and international, making it appealing for growing businesses with increasing transaction volumes.

Read more: Paydibs vs iPay88: The Right Payment Gateway for Malaysian SMEs

Which is Better for Business? 

When comparing Curlec and Paydibs, it becomes clear that both offer compelling payment solutions, yet they cater to slightly different priorities. Here’s a comparative look at their key aspects:

Disclaimer: The information regarding pricing, features, and specific details for Curlec and Paydibs in this article is based on publicly available data and information provided up to May 2025. Payment gateway offerings, fees, and terms can change. For the most accurate and up-to-date information, please refer directly to the official websites of Curlec and Paydibs.

Making Your Choice: Factors Beyond Fees

While fees are a significant factor, a comprehensive decision involves looking at several other elements.

1. Business Model Alignment

• For an online-first business, both offer solutions that meet business needs but Curlec’s tiered pricing might be more beneficial as transaction volumes grow due to decreasing card rates.
• For businesses with a physical storefront or those needing a dedicated payment terminal, Paydibs offers specific Terminal packages (Rent or Buy) and a Mobile App solution, providing tangible hardware or mobile POS options. 

2. Transaction Volume and Cost Efficiency

• A business with lower online transaction volumes might find Paydibs’ free setup for local online merchants appealing, despite the yearly maintenance fee.
• For businesses anticipating high card transaction volumes, Curlec’s Premium plan with its 2.00% domestic and international card rate becomes very competitive, justifying its higher setup fee.

3. Payment Method Needs

Both provide strong support for FPX, credit card, local e-wallets options like Touch ‘n Go, GrabPay and Boost. BNPL options are also readily available with Atome and Paylater. Overall, both payment gateway providers meet the needs of every Malaysian business.

4. Integration Ease and Developer Support

Both gateways offer APIs and plugins for popular e-commerce platforms like WooCommerce. However, businesses with custom platforms or those needing extensive mobile app integration should evaluate the quality and documentation of each provider’s SDKs and APIs.

5. Customer Support and Reporting:

Both offer merchant dashboards for transaction tracking and 24/7 support channels like hotline and ticketing. 

However, Paydibs’real-time transaction reports provide much needed information to merchants. Paired with an accounting software, this simplifies daily operations and makes it easier for businesses to manage their finances effectively.

The Payment Gateway Verdict

Curlec, backed by Razorpay, excels in recurring payments, online-first setups, and tiered pricing that rewards higher transaction volumes.

Paydibs offers flexible packages for Malaysian businesses, including those in retail or street vendor setups. With free signup for local merchants and dedicated payment terminals, it’s ideal for SMEs starting out.

But if you think neither of the payment machines in this blog really interest you, why not check out our Top 10 Payment Gateways in Malaysia guide to see which one suits your business best?

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