Frequently Asked Questions
Who is Curlec for?
What is Direct Debit?
An Instruction from a Customer to their Bank
What is an eMandate?
Why is Curlec better than the other options I’m considering?
How it works
Does Curlec accept payments by Credit or Debit Cards?
How does the Direct Debit payment process work?
Can I use Direct Debit for one-off payments?
When do I receive my payment?
How do I receive funds I have collected with Curlec?
How does my customer authorise a payment?
With eMandates, your customers will just need to click the link and enter their details on our secure online payment page to set up a Direct Debit and authorise you to take future payments automatically. An RM1 Instant Pay transaction is concurrently executed during setup to verify bank details.
Can customers sign up on my website?
Can I set payments to start and end on a particular date?
Yes - you can easily customise the day, date, frequency and duration of payments.
Can I change a payment or payment plan once it has been created?
A payment plan can be changed as long as your customer uses the same bank, but they do not necessarily need to use the same bank account. If a customer changes his or her bank, then a new eMandate will have to be set up.
How do I know if I’ve been paid?
Our online dashboard gives you real-time info on all your payments and customers, allowing you to check the collection status of each payment at any time. You will also receive email notifications on successful and unsuccessful collections.
What do I do if a Direct Debit collection has been unsuccessful?
We provide the option to reattempt once a day for a specified amount of days you would like at a maximum of 4 attempts. If the collection still fails after reattempt period, you will receive a notification to inform you that the payment is unsuccessful. Subsequently, you would have to contact your customers to request a one-off payment by using Curlec’s Instant Pay feature to settle any outstanding balance.
What do I need to sign up?
We will need some personal details which include business details as well as your bank account information in order to register with PayNet for the set up. Curlec will facilitate the whole process for you.
How do I test out the product?
Our expert business development managers will gladly run through a demo of how Curlec works for you at your convenience.
Can I sign up if I’m a Non-Governmental Organisation (NGO) registered with the Registrar of Societies?
Are there any commitments?
There is a set up fee of RM300 to open an account with Curlec and a monthly fee of RM30 to use our online Dashboard. Merchants can also terminate the service at any point with 30 days prior written notice.
How do I know my money is safe?
Curlec acts an intermediary between the merchant and their bank to process Direct Debit and FPX payments. Your money gets credited directly to your bank account without going through Curlec. Additionally, we comply to Malaysian banking standards and our software has been approved by Payments Network Malaysia (PayNet).
How does Curlec protect my data?
Curlec is a Personal Data Protection Act (PDPA) compliant company. We also encrypt your bank account details when it is stored in our database.
Is it safe for my customers?
Yes. Your customers are protected through a maximum limit on the Direct Debit when the eMandate is set up. On top of that, end users also get a Curlec account where they can view and manage all their Direct Debit and FPX transactions.
How do I report issues?
Include as much detail as possible, including steps for reproducing the issue
Do not exploit the vulnerability, except to demonstrate the issue to Curlec staff
Please do not disclose the issue to anyone else before we’ve rolled out a fix
Will my company’s name appear on my Customer’s bank statement?
Yes, and you would also be able to see your customer’s name and reference in your Merchant’s bank statement.
Can I host the payment pages on my site?
Yes! We also provide our API to developers so that you can integrate Curlec into your website. We can even white label your payment page to suit your business’ look and feel.
Can customers pay from their mobile devices?
Yes, as long as they have access to their email, you can send them your online mandate form to be authorised.
Which banks can my customers use to pay using Direct Debit?
Affin, Alliance, AmBank, CIMB, Bank Islam, Bank Rakyat, Bank Mualamat, Hong Leong Bank, HSBC, Maybank, OCBC, Public Bank, RHB, Standard Chartered, UOB.
Which banks can my customers use to pay using Instant Pay?
Affin, Alliance, AmBank, CIMB, Bank Islam, Bank Rakyat, Bank Mualamat, Bank Simpanan Nasional, Hong Leong Bank, HSBC, Kuwait Finance House, Maybank, OCBC, Public Bank, RHB, Standard Chartered, UOB.
Can confirmation emails be routed through my company's email server/website domain?
By default, successful and unsuccessful payments will automatically send a confirmation email to the buyer from a do-not-reply email address with Curlec's domain. This option can be customised to use your company's email server.