CHIP vs Curlec (by Razorpay)
Side-by-side fees and features for Malaysian merchants, from each provider's published pricing. For the full matrix including supported banks and e-wallets, open the interactive comparison.
At a glance
- CHIP is cheaper on our blended RM100 estimate (RM1.38 vs RM1.77), using officially published rates.
- CHIP also supports DuitNow QR, which Curlec (by Razorpay) does not list.
- Curlec (by Razorpay) runs an official MCP server, so AI agents can integrate it directly.
Fees
 CHIP |  Curlec (by Razorpay) | |
|---|---|---|
| Est. fee / RM100 | ~RM1.38 | ~RM1.77 |
| FPX | RM1.00 | 1.5% / RM1.00 |
| Cards (local) | 2% | 2.40% |
| Cards (international) | 3% | 3.30% |
| E-wallets | 1.40% | 1.50% |
| DuitNow QR | 1% / RM0.15 | Contact sales |
| BNPL | 5.3% (Atome) | 6.00% |
| Setup fee | RM0 | RM0–RM999 |
| Monthly fee | RM0 | RM0 |
| Settlement | T+1–T+2 | T+2 |
Est. fee / RM100 blends officially published rates (FPX/card/e-wallet 50/30/20). Fees change; confirm with the provider. Methodology
Features
| Access | Integrate | Integrate |
| Channels | FPX, cards, e-wallets, DuitNow QR, BNPL | FPX, cards, e-wallets, BNPL |
| No-code payment links | Yes | Yes |
| Developer API | Yes | Yes |
| Recurring billing | Yes | Yes |
| Webhooks | Yes | Yes |
| MCP (AI agents) | — | Official |
| Plugins | WooCommerce, Magento, OpenCart, PrestaShop | WooCommerce, Shopify, Magento, OpenCart, WHMCS |