API Reference
Unlocking the full potential of PayNet. Find all the information you need to integrate with Paynet's API
Explore API reference
DuitNow Transfer
Transfer your funds to any DuitNow ID including mobile number, MyKad/Passport number, Army/Police number and Business Registration number.
DuitNow Reversal
The Reversal Service automatically retries transactions with unknown statuses and provides immediate reversals if successful.
DuitNow QR - Merchant Presented
When a customer wants to make a payment, the merchant provides a QR code, either generated statically or dynamically, to be scanned by said customer. Then, the customer is able to scan the code on their chosen mobile banking or e-payment application and key in the required amount. Finally, the application notifies the customer that the transaction is successful.
Domestic QR
Issuer API
Acquirer API
Cross Border Outbound QR
Issuer API
Cross Border Inbound QR
Acquirer API
DuitNow QR - Consumer Presented
DuitNow Consumer-Presented QR Codes in a retail payment system allow consumers to make payments by generating a QR Code from their mobile app. The QR Code, containing the necessary payment credentials, is scanned by the merchant at the point of sale to complete the transaction. These transactions are processed online and are widely used for seamless and secure payments.
DuitNow Online Banking/Wallet
A faster and more seamless checkout for individual customers on e-commerce and m-commerce platforms with simple redirection to their online banking or eWallet application.
DuitNow AutoDebit
This service allows businesses to collect recurring payments based on consent given by customers.
With DuitNow AutoDebit, your customers are only required to provide a one-time consent that will allow you to collect payments on a recurring basis through their mobile, MyKad/passport, army/police, Business Registration or bank account number(s). DuitNow AutoDebit payments are to be collected from Current Account Savings Account (CASA), Line of Credit (LOC) Account and eWallet.
DuitNow Request
DuitNow Request enables Merchants/Billers to send payment requests to Customers, which appear in the Customer’s e-banking inbox (Internet or Mobile Banking). Customers can review and take action at their convenience, as the request has a longer expiry period and doesn't require immediate attention.
DuitNow Pay
Provide a simple, unified platform that easily enables DuitNow Online Banking/Wallets, DuitNow AutoDebit, DuitNow QR and My Debit.
DuitNow Consent
Businesses send a one-time consent request via their own channels (e.g., mobile app or website) to customers, who then approve the request through their respective online banking or eWallet applications. Alternatively, customers can initiate the service themselves by providing consent for DuitNow AutoDebit either on the merchant's platform or directly through their online banking or eWallet application.
National Addressing Database (NAD)
National Addressing Database (NAD) allows users to register and link their accounts to a proxy of their choosing, facilitating seamless fund transfers.
Network Administration
Signing on/off and echo with DuitNow system. Ensuring its smooth operation and reliable service delivery.
FPX
Make secure and real-time online payments for various services and product by using your Internet Banking accounts through checkout in a click.
MyDebit
Electronic payment system that enables consumers to make purchases and transactions using their local bank savings or current accounts via debit cards.
JomPay
Online bill payment platform that allows users to pay their bills quickly and securely through their online banking accounts.
National Fraud Portal
Enhance the Industry Fraud Portal (IFP) for streamlined fraud detection and coordinated responses against mules and illicit activities.