# Curlec **Canonical:** https://apis.io/providers/curlec/ **Website:** https://curlec.com **APIs profiled:** 30 Curlec (Razorpay Curlec) is a Malaysian online payment solution and part of Razorpay, the RBI-authorised full-stack payment platform. Curlec lets businesses in Malaysia accept one-time and recurring payments through a Payment Gateway, Payment Links, Payment Pages, Payment Buttons, hosted Checkout, DuitNow real-time payments, FPX online banking, cards and e-wallets, plus Subscriptions and direct-debit recurring billing. It runs on the shared Razorpay REST API (https://api.razorpay.com/v1) — a RESTful, JSON, Basic-Auth API covering Orders, Payments, Refunds, Settlements, Disputes, Customers, Invoices, Plans, Subscriptions, Payment Links, QR Codes, Virtual Accounts, Transfers/Route, and the RazorpayX business-banking and payouts suite. Curlec exposes official server SDKs, webhooks, a sandbox test mode, a public Postman workspace, and an official hosted MCP server for AI-agent access. ## Kin Score — 61.7 / 100 (strong) Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 61.7). | Facet | Score | |---|---| | Discoverability | 81.5 | | Contract Quality | 70.3 | | Governance | 20.8 | | Operational Transparency | 52.6 | | Developer Ergonomics | 79.9 | | Commercial Clarity | 52.6 | Regulatory layer — **Payments**: 62.5 (matched via tags). ## Agent readiness — 61.5 (agent-native) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | MCP Server | yes | | Auth Clarity | yes | | Idempotency | verified | | Error Semantics | documented | | OpenAPI Examples | partial | | Rate Limit Signal | no | | Event Surface Described | yes | | Agent Skills | derived | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | flavored | | Dry Run Mode | no | ## Access Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium). ## APIs (30) - **Curlec Bills API** — Razorpay Billme digital receipts and bills for retail, food & beverage, events, and ecommerce. - **Curlec Customers API** — Customer profiles store contact information for recurring billing, saved cards, and personalised checkout. Each email+contact combination must be unique. - **Curlec Disputes API** — Disputes (chargebacks) are raised by customers via their bank. You can accept (lose) or contest (challenge with evidence) each dispute. Monitor respond_by timestamp — missing th... - **Curlec Documents API** — Document uploads for dispute evidence. Upload JPEG, PNG, or PDF files and receive a document ID to reference in dispute contest submissions. - **Curlec Instant Settlements API** — On-demand settlements let you transfer your available Razorpay balance to your bank account immediately, outside the normal settlement cycle. Fees apply. Requires Instant Settle... - **Curlec Invoices API** — Invoices and payment pages for one-time or partial-payment collection. Create in draft, issue to the customer, and track payment status. Cannot be used for GST invoices (use the... - **Curlec Items API** — Reusable catalog items that can be referenced in invoice line items. Defining items once avoids repeating price and description on each invoice. - **Curlec Linked Accounts API** — Sub-merchant accounts (Linked Accounts) created under a Route marketplace. Includes account creation, stakeholder KYC, and Route product activation. Uses /v2/ API base path. Onl... - **Curlec Orders API** — Orders are the starting point for accepting a payment. Create an order with the amount and currency, pass the order_id to Razorpay Checkout, then verify the payment signature af... - **Curlec Partner Accounts API** — Sub-merchant account lifecycle management via Partners API (Aggregator/Platform model). Uses OAuth access_token authentication. - **Curlec Partner Documents API** — Upload and fetch KYC documents for sub-merchant accounts and their stakeholders. - **Curlec Partner Stakeholders API** — Manage stakeholders (directors/executives) for sub-merchant accounts. Multiple stakeholders allowed per account. - **Curlec Partner Webhooks API** — Configure webhooks for sub-merchant accounts to receive payment events. Maximum 30 per account. - **Curlec Payment Downtimes API** — Scheduled and live downtime information for card, netbanking, and UPI. Poll or subscribe to payment.downtime webhooks to detect degraded methods and adjust your checkout UI. - **Curlec Payment Links API** — Payment Links are shareable URLs to collect payments without a website. Share via SMS, email, or any channel. Supports partial payments, expiry, reminders, UPI-only mode, offers... - **Curlec Payments API** — A payment is created when a customer completes checkout. Payments can be auto-captured or manually captured. Fetch payment details to reconcile and diagnose failures. - **Curlec Plans API** — Billing plan definitions for recurring subscriptions. A plan sets the billing period, interval, and per-cycle charge. Plans are reusable across multiple subscriptions and cannot... - **Curlec QR Codes API** — QR Codes enable offline and digital payment collection. Customers scan with any UPI or card app. Supports fixed-amount and variable-amount codes, single-use and multiple-use modes. - **Curlec Refunds API** — Refunds return captured payment amounts to customers. Normal refunds take 5-7 business days. Instant (optimum) refunds settle immediately but may fall back to normal. Use X-Refu... - **Curlec Settlements API** — Settlements represent batch transfers of collected payment funds to your bank account. Use the recon endpoint for transaction-level reconciliation reports mapping each payment, ... - **Curlec Subscriptions API** — Recurring billing subscriptions. Customers must authorize a payment mandate (UPI Autopay, NACH, or card-on-file) via the short_url before charges begin. Supports pause/resume, p... - **Curlec Transfers API** — Fund transfers from a merchant, payment, or order to a Linked Account (Route). Supports payment-based splits, direct on-demand transfers, settlement hold controls, and full/part... - **Curlec Virtual Accounts API** — Virtual bank accounts and UPI VPAs that accept NEFT/RTGS/IMPS/UPI payments (Smart Collect). Each incoming payment creates a BankTransfer entity. Supports Third Party Validation ... - **Curlec X Account Validation API** — Penny drop and reverse penny drop bank/VPA validation - **Curlec X Banking Balances API** — Fetch RazorpayX account balances - **Curlec X Contacts API** — RazorpayX payout recipients — create, fetch, update contacts - **Curlec X Fund Accounts API** — Payout destination accounts (bank, VPA, card) linked to contacts - **Curlec X Payout Links API** — Payout links for recipients without saved fund accounts - **Curlec X Payouts API** — Disbursements via NEFT, RTGS, IMPS, UPI, card — includes composite and approval flows - **Curlec X Transactions API** — Fetch RazorpayX transaction records — credits (bank_transfer inflows) and debits (payout outflows) ## MCP servers (1) - **curlec-mcp.yml** ## Agentic access (1) - **Curlec Agentic Access** — 136 operations · 73 acting ## Security (2) - **Curlec Authentication** — http/oauth2 · 2 schemes - **Curlec Domain Security** — TLSv1.3 · HSTS · DMARC ## Tags Company, Payments, Payment Gateway, Recurring Payments, Subscriptions, Direct Debit, FinTech, Malaysia, DuitNow, FPX, Webhooks, Razorpay --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/curlec/). Scores are computed from the provider's own public artifacts under a published rubric.