Category: Guides

Razorpay Curlec Knowledge Base

1. Welcome & Quick Start About Razorpay Curlec Razorpay Curlec is a full-stack payments solution that makes it easy for businesses of all sizes to collect payments, automate payouts and take control of their cash flow. It helps businesses accept online payments with a complete suite of tools covering bank transfers, cards, e-wallets, BNPL (Buy […]

Stamp Duty in Malaysia: Rates, Exemptions & Penalties

When you sign a contract in Malaysia—whether it is a tenancy agreement, a property purchase, or a business loan—you will invariably come across the term Stamp Duty. In the eyes of the law, a document is generally not admissible as evidence in court unless it has been properly “stamped.” Stamp duty is a tax imposed […]

What is a Debit Note in Malaysia? Meaning, Benefits, and Template

In the course of doing business in Malaysia, it is common to encounter situations where a finalized invoice doesn’t quite cover the final amount due. Perhaps there was an undercharge, or additional services were rendered after the bill was sent. In accounting, you don’t simply “edit” a sent invoice; you issue a Debit Note. A […]

What is a Credit Note in Malaysia? Meaning, Sample, and Template

In the fast-paced world of Malaysian commerce, invoicing isn’t always a one-way street. Sometimes, an amount billed needs to be reduced—whether due to a product return, a pricing error, or a cancelled service. In professional accounting, you cannot simply “delete” a finalised invoice. Instead, you must issue a Credit Note. A Credit Note is a […]

BNPL 2.0: What the Consumer Credit Act 2025 Means for Merchant Liability

For the past few years, “Buy Now, Pay Later” (BNPL) has flourished in Malaysia as a largely unregulated financial product. It provided a seamless way for merchants to increase basket sizes and for consumers to access credit without the rigour of traditional banking. However, this era of “BNPL 1.0” is coming to a close. The […]

The Compliance Trap: Is Your Payment Gateway Ready for LHDN E-Invoicing?

For many Malaysian business owners, the upcoming mandatory e-invoicing rollout by the Lembaga Hasil Dalam Negeri (LHDN) feels like a purely administrative tax project. However, looking at it through that narrow lens is a dangerous “compliance trap.” E-invoicing is not just about how you report to the government; it fundamentally changes the “order-to-cash” cycle. If […]

Double Taxation Agreements (DTAs): A Guide for Malaysian Businesses with Overseas Operations

When a Malaysian business expands internationally—whether by selling digital services to Singapore, opening a branch in Indonesia, or licensing software to a firm in the UK—it enters a complex tax landscape. The biggest risk in cross-border commerce is double taxation: the scenario where the same income is taxed by both the country where it was […]

How Digitalisation is Changing Tax Compliance in Malaysia

For decades, tax compliance in Malaysia meant shoeboxes full of receipts, manual ledgers, and a mad scramble every April or July to reconcile accounts. However, the Inland Revenue Board of Malaysia (LHDN) is leading a digital revolution that is fundamentally changing this experience. Driven by the national goal of becoming a digital economy, tax compliance […]

How Can a Payment Gateway Boost Your Year-End Sales?

1. Welcome & Quick Start About Razorpay Curlec Razorpay Curlec is a full-stack payments solution that makes it easy for businesses of all sizes to collect payments, automate payouts and take control of their cash flow. It helps businesses accept online payments with a complete suite of tools covering bank transfers, cards, e-wallets, BNPL (Buy […]

Payment Gateway Fatigue in 2025: Why “More” is Killing Your Conversions (And How to Fix It)

Introduction “Makan apa?” It’s the daily Malaysian dilemma. Nasi Lemak? Chicken Rice? Mamak? When faced with too many choices, making a final decision can feel paralyzing. Believe it or not, customers today buying online are faced with this exact same ‘paradox of choice’ the moment they reach your checkout. But instead of a lunch menu, […]