flow-2

Step	Sender	Receiver	Process
9	Customer	Merchant/Biller	Customer confirms payment option and initiates One Time Payment via DuitNow Pay.
10	Merchant/Biller	Merchant Acquirer/System Integrator	Merchant/Biller will perform the following: Validate One Time Payment request Send One Time Payment request to Merchant Acquirer/System Integrator
11	Merchant Acquirer/System Integrator	DuitNow Pay	Merchant Acquirer/System Integrator performs the following: Validate One Time Payment request Send One Time Payment request to DuitNow Pay
12	DuitNow Pay	RPP	DuitNow Pay will perform the following: Authorize and validate One Time Payment request Send One Time Payment request to RPP Start timer Note: Transaction Type: 861
13	RPP	DuitNow Pay	RPP performs the following: Message Logging Message Validation Message Format Validation Digital Signature Validation Business Validation Timeout Validation Payment Validation Check Date Expiry Check Merchant ID Validation Merchant Product ID Validation If any Message Validation fails, RPP will: Send a REJECT response to DuitNow Pay If any Business Validation fails, RPP will: Send a NEGATIVE response to DuitNow Pay If all validations are successful, RPP will: Lookup and populate Acquirer Account ID and Acquirer based on Merchant ID and Merchant Product ID Generate Signature with End-to-End ID Store Transaction Information in Request-to-Pay Staging Table Send an ACCEPTED response back to DuitNow Pay with End-to-End ID and Signature Note: Timeout is set at 20 seconds Transaction Type: 861
14	DuitNow Pay	Merchant Acquirer/System Integrator	If any validation fails, DuitNow Pay will: Send a REJECT response to Merchant Acquirer/System Integrator If all validations are successful, DuitNow Pay will: Generate Signature with End-to-End ID Send an ACCEPTED response back to Merchant Acquirer/System Integrator with End-to-End ID and Signature
15	Merchant Acquirer/System Integrator	Merchant/Biller	If any validation fails, Merchant Acquirer/System Integrator will: Send a REJECT response to Merchant/Biller If all validations are successful, Merchant Acquirer/System Integrator will: Send an ACCEPTED response back to Merchant/Biller with End-to-End ID and Signature
16	DuitNow Pay	Merchant Acquirer/System Integrator	DuitNow Pay will be sending the checkout details back to Merchant Acquirer/System Integrator via webhook.
17	Merchant Acquirer/System Integrator	Merchant/Biller	Merchant Acquirer/System Integrator will be sending the checkout details back to Merchant/Biller.
18	Merchant Acquirer/System Integrator	DuitNow Pay	Acquirer shall provide an acknowledgment back to DuitNow Pay.
19	Merchant/Biller	Issuer	Merchant/Biller will redirect Customer to selected bank along with Signature and End-to-End ID to Issuer.