Malaysian businesses using Razorpay Curlec can now offer DuitNow Pay as part of their online checkout experience, giving customers another convenient way to complete digital payments without entering card details.
The Bank Negara Malaysia-licensed payment gateway is among the early PayNet participants to bring DuitNow Pay directly to merchants in Malaysia.
The new payment option brings participating banks and e-wallets together under a single checkout method, simplifying the payment process for both businesses and consumers.
One Checkout Option for Banks and E-Wallets
Instead of presenting customers with numerous separate banking and e-wallet payment options, DuitNow Pay combines supported financial institutions into one unified checkout experience.
When making a purchase, customers can select DuitNow Pay and search for their preferred bank or e-wallet.
They are then redirected to the relevant financial institution's platform or mobile application to authorise the transaction.
Once payment is completed, the customer returns automatically to the merchant's website.
No card number, expiry date or security code needs to be entered during checkout.
For customers already comfortable with mobile banking and e-wallet applications, the process should feel familiar while reducing the number of steps required to complete a purchase.
Reducing Friction at Checkout
One of the biggest challenges facing online merchants is checkout abandonment.
Customers may browse products, add items to their cart and reach the payment page, only to leave because the process becomes too complicated or time-consuming.
Every extra form, login or payment step creates another opportunity for the customer to reconsider the purchase.
Razorpay Curlec believes DuitNow Pay can help reduce that friction by giving customers a faster route through their existing bank or e-wallet.
The company views payments as more than simply the final technical step in a transaction.
A smooth payment experience can directly influence whether a customer completes the purchase and whether they return to the same merchant in the future.
Built Directly on PayNet Infrastructure
An important part of Razorpay Curlec's implementation is that DuitNow Pay has been integrated directly with PayNet's national payment infrastructure.
That means merchants already using Razorpay Curlec should not need to create completely new payment integrations every time PayNet introduces additional DuitNow Pay capabilities.
Future functionality can instead be made available through the existing integration.
For businesses, this could reduce technical work while making it easier to adopt new payment features as they become available.
It may be particularly useful for smaller merchants that do not have large development teams dedicated to maintaining payment systems.
Saved Payments and Recurring Payments Are Coming
DuitNow Pay is expected to expand beyond ordinary one-time purchases.
Planned capabilities include saved payments and recurring payment support, which could make the service considerably more useful for businesses operating subscription-based or scheduled-payment models.
Potential use cases include:
Once PayNet introduces these capabilities, Razorpay Curlec says its existing merchants should receive access without needing to rebuild their checkout integration.
Recurring payments would be particularly significant because Malaysian online businesses currently rely heavily on cards or other payment arrangements for subscription services.
Providing a DuitNow-based alternative could broaden the range of customers able to use recurring digital payments.
A More Familiar Experience for Malaysian Consumers
DuitNow has already become a familiar part of everyday payments in Malaysia.
Consumers increasingly use DuitNow transfers and DuitNow QR for transactions ranging from paying friends to purchasing products at physical retailers.
Extending the DuitNow brand further into online checkout therefore builds on payment habits many Malaysians already understand.
Instead of remembering card information or creating another account with the merchant, users can approve the transaction through the banking or e-wallet application they already trust.
That familiarity could be particularly useful when customers are purchasing from a merchant for the first time.
Rather than entering sensitive payment-card information directly into an unfamiliar website, they can authorise the transaction through their existing financial institution.
PayNet Sees Shared Infrastructure as a Platform for Innovation
PayNet CEO Praveen Rajan said Razorpay Curlec's integration demonstrates how payment providers can build new experiences on top of Malaysia's shared national payment infrastructure.
The idea is that individual banks, fintech companies and payment gateways do not need to create isolated payment ecosystems from scratch.
Instead, they can develop services around common infrastructure that already connects financial institutions across the country.
This approach can allow new payment capabilities to reach businesses and consumers more quickly while maintaining the security and trust associated with Malaysian banks and regulated financial institutions.
DuitNow Pay is therefore not simply another payment button.
It represents part of a broader effort to make Malaysia's payment ecosystem more interoperable.
Digital Payments Continue to Grow Rapidly
The timing of the rollout also reflects the continued growth of electronic payments in Malaysia.
PayNet processed 8.44 billion transactions in 2025, demonstrating the enormous scale of the country's digital payment infrastructure.
Transactions involving non-bank participants also increased by 71.7% compared with the previous year.
That growth is important because Malaysia's payment ecosystem is no longer dominated exclusively by traditional banks.
Fintech providers, e-wallet operators and payment gateways are becoming increasingly important parts of how consumers and businesses move money.
A service such as DuitNow Pay brings those different participants together rather than forcing merchants to manage each payment channel independently.
Why This Matters for Online Businesses
For merchants, payment options can influence conversion rates almost as much as product pricing or website design.
Customers increasingly expect to see a payment method they recognise immediately.
If their preferred bank, wallet or payment option is missing, some may simply abandon the checkout.
Adding DuitNow Pay gives Razorpay Curlec merchants access to a wider collection of participating banks and wallets through a single option.
That can simplify the payment page while still providing customers with choice.
It may also reduce some of the technical complexity associated with integrating and maintaining multiple individual payment methods.
For businesses operating on mobile-first platforms, this becomes even more important.
A large proportion of Malaysian online shopping happens through smartphones, where repeatedly entering card details can be inconvenient.
Redirecting the customer directly into a banking or wallet app can create a more natural mobile checkout flow.
Security Remains With the Customer's Financial Institution
Another advantage of the model is that payment authorisation happens through the customer's own participating bank or e-wallet.
The merchant therefore does not need the customer to manually enter card credentials directly into the checkout page.
Customers authenticate using whatever security mechanisms their financial institution already provides.
Depending on the bank or wallet, this could include biometric authentication, app approval, PIN verification or other security measures.
That does not eliminate every form of payment fraud, but it keeps important authentication steps within financial platforms that customers already use and recognise.
For merchants, reducing the amount of sensitive payment information handled directly at checkout can also simplify part of the customer experience.
Competition in Malaysian Online Payments Is Increasing
Malaysia's digital payment market has become increasingly competitive.
Merchants today can choose between cards, online banking, QR payments, e-wallets, buy-now-pay-later services and various payment gateways.
The challenge is no longer simply enabling online payment.
It is providing enough choice without creating a checkout page filled with confusing options.
Unified payment methods such as DuitNow Pay could help address that problem.
Instead of presenting a long list of financial institutions individually, merchants can offer one DuitNow Pay option and allow customers to select their preferred provider from there.
That creates a cleaner checkout experience while still maintaining access to multiple institutions.
Final Thoughts
Razorpay Curlec's integration of DuitNow Pay is another step toward making Malaysian online payments faster and more convenient.
Customers can choose their preferred participating bank or e-wallet, approve the transaction through the institution they already use and return to the merchant without manually entering card information.
For merchants, the biggest advantage may be simplicity.
A single integration provides access to the wider DuitNow Pay ecosystem while future capabilities such as saved payments and recurring transactions are expected to become available through the same setup.
With PayNet already processing billions of transactions annually and non-bank participation growing quickly, Malaysia's digital payment ecosystem is continuing to mature.
For online businesses, the message is becoming increasingly clear: checkout is no longer just where customers pay — it is part of the overall shopping experience, and every unnecessary step can determine whether a sale is completed or abandoned.
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