flow-1

Step	Sender	Receiver	Process
1	Customer	Merchant/Biller	Customer initiates payment via Merchant/Biller Portal.
2	Merchant/Biller	Merchant Acquirer/System Integrator	Merchant/Biller performs the following: Submit request for list of banks
3	Merchant Acquirer/System Integrator	DuitNow Pay	Merchant Acquirer/System Integrator performs the following: Submit request for list of banks
4	DuitNow Pay	RPP	DuitNow Pay performs the following: Submit request for list of banks Note: Transaction Type: 650
5	RPP	DuitNow Pay	RPP performs the following: Message Logging Message Validation Message Format Validation Digital Signature Verification If any Message Validation fails, RPP will: Send a REJECT response to DuitNow Pay If all validations are successful, RPP Back Office will: Send List of Banks response to DuitNow Pay Note: Transaction Type: 650
6	DuitNow Pay	Merchant Acquirer/System Integrator	If any Message Validation fails, DuitNow Pay will: Send a REJECT response to Merchant Acquirer/System Integrator If all validations are successful, DuitNow Pay will: Send List of Banks response to Merchant Acquirer/System Integrator
7	Merchant Acquirer/System Integrator	Merchant/Biller	Merchant Acquirer/System Integrator will: Send List of Banks response to Merchant/Biller
8	Merchant/Biller	Customer	Merchant/Biller performs the following: For SUCCESSFUL List of Banks response received, display List of Banks For UNSUCCESSFUL List of Banks response received, display an error message on the customer screen