OCTIS vs Billplz vs Curlec for Malaysian merchants
Two local-first gateways with a free tier and a paid tier.
Last checked · 2 sources
Otty's short answer
Billplz is cheaper on most published rates: a flat RM1.25 for B2C FPX on the free plan, which beats Curlec's 1.50% (RM1 minimum) on any order above about RM83, and 1.8% against 2.40% on MYR cards. Curlec is cheaper on foreign cards (3.30% against 3.8%) and DuitNow. Both ask RM999 for the paid tier. Pick Billplz for FPX and local cards, Curlec if foreign cards or DuitNow dominate.
Side by side
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| What matters | OCTISSdn Bhd + OCTIS | Billplz | Razorpay Curlec |
|---|---|---|---|
| Free tier | Set by our licensed partner; quoted before you commit | Basic, RM0 | Basic, RM0 setup |
| Paid tier | Set by our licensed partner; quoted before you commit | RM999 per year | RM999 setup |
| FPX, free tier | Included, via licensed partners; rates set from your current bill | RM1.25 flat (B2C) | 1.50% or RM1 min |
| FPX, paid tier | Included, via licensed partners; rates set from your current bill | RM0.75 flat (B2C) | 1.00% or RM1 min |
| Domestic cards, free tier | Included, via licensed partners | 1.8% | 2.40% |
| Domestic cards, paid tier | Included, via licensed partners | 1.5% | 2.00% |
| Foreign cards, free tier | Included, via licensed partners | 3.8% | 3.30% |
| Touch 'n Go / Boost | Included, via licensed partners | 1.5% | 1.50% free, 1.30% paid |
| DuitNow | Included, via licensed partners | QR 1.5%, transfer RM1.25 | 1.20% or RM0.30 min |
| Recurring billing | Set by our licensed partner; quoted before you commit | Auto-Deduct 2.3% + RM1.25 | Subscriptions, quote |
| FPX payout | Send payments via licensed partners | Next business day | Not published |
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Sdn Bhd + OCTIS
Choose OCTIS if you want collecting and sending payments, accounting and CRM together, with payments via licensed partners.
Billplz
Choose Billplz if your average order is small, because its flat FPX fee wins on baskets under about RM83.
Razorpay Curlec
Choose Curlec if foreign cards or DuitNow dominate, or you plan a subscription product and will talk to sales.
What the table does not show
A worked example
On a RM50 FPX order, Billplz Basic takes RM1.25 and Curlec Basic takes RM1.00 (the RM1 minimum, since 1.5% is RM0.75). On RM200 it is RM1.25 against RM3.00. On RM1,000 it is RM1.25 against RM15.00. The break-even is near RM83.
Paid tiers
Billplz Standard is listed at RM999 per year in the pricing table, though the page layout leaves some doubt on the mapping. Curlec Premium is RM999 setup with no annual fee. At 100 FPX payments a month of RM200, the Billplz fee saving on Standard is RM50 per month, so the plan pays back in about 20 months.
Before you sign up
Curlec's page says tax applies on its rates and does not list e-mandate or settlement fees. Billplz card, wallet and auto-deduct methods need a separate application and approval time varies. Neither page states a Bank Negara licence number, so ask each for written licence status.
Where OCTIS fits
Gateway fees, refunds and payout timing all land in your books. OCTIS bookkeeping matches gateway payouts to bank deposits and sales so fees are booked correctly before tax filing. OCTIS is not a payment gateway and has no partnership with Billplz or Curlec. Ask about 10–30% off your current bill.
Frequently asked questions
Is Curlec the same as Razorpay?
Curlec presents itself as Razorpay Curlec on its Malaysia pricing page. Check the contracting entity and licence on your merchant agreement.
Which is cheaper for FPX?
Billplz for orders above about RM83 on the free tier, at RM1.25 flat. Curlec's 1.50% with a RM1 minimum is cheaper on small orders under that.
Which handles recurring payments better?
Both support recurring collections. Billplz lists Auto-Deduct at 2.3% + RM1.25 for MYR cards. Curlec directs you to sales for e-mandate and subscription fees.
Do they have monthly fees?
Neither charges a monthly fee on its free tier. Billplz Standard is RM999 per year, and Curlec Premium is RM999 as a setup fee.
Sources
Checked on the date above. Links open the provider's or regulator's own page.