PayNet Developer Portal Documentation

See guides, references and resources to help you build with PayNet

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DuitNow Transfer

Credit Transfer

Fast and Convenient payment method that allows instant transfer of funds between bank accounts using proxy (mobile number, NRIC, passport number, Business Register Number, etc.)

Overview

Issuer API

Acquirer API

Credit Transfer Reversal

The Reversal Service automatically retries transactions with unknown statuses and provides immediate reversals if successful. For rejected Credit Transfers, reversals are processed right away. If retries fail after the maximum attempts, the issue must be resolved by the involved banks.

Overview

Issuer API

Acquirer API

DuitNow QR

Merchant Presented QR: Domestic

Enables quick, seamless and secure payments by scanning QR codes. Users can make payments at participating merchants by simply scanning the DuitNow QR code.

Overview

Issuer API

Acquirer API

Cross Border Outbound QR

Enables customers with a foreign Bank Account to make payments via their chosen mobile banking appilication by scanning the QR code generated by local merchants in Malaysia.

Overview

Cross Border Inbound QR

Enables Malaysians abroad to make payments via their mobile banking or e-payment application by scanning the merchants' QR code.

Overview

Customer-Presented QR: Domestic

Enables customers to generate and present their own QR codes to merchants for scanning, allowing for convenient and contactless transactions.

Overview

DuitNow Online Banking/Wallet

DuitNow Online Banking/Wallet allows payer to make payment to Payment Initiators(Merchants) from their preferred bank or wallet via DuitNow Pay.

Overview

Issuer API

Acquirer API

DuitNow AutoDebit

Upon the payment method (DuitNow Consent) has authorized, DuitNow AutoDebit allows acquirer to facilitates recurring payments, such as utility bills, insurance premiums and subscription fees.

Overview

DuitNow Consent

DuitNow Consent, they are essentially granting permission for the specified transactions to occur in a regular or on demand basis.

Overview

DuitNow Request

A service that allows payees to send digital payment request to collect funds from a payer. DuitNow Request service is available via eWallet, mobile and internet banking.

Overview

DuitNow Pay

A simple unified platform that can easily enable PayNet’s product such as DuitNow Online Banking / E-wallets, DuitNow AutoDebit, DuitNow QR and MyDebit.

Overview

Integration

National Addressing Database

National Addressing Database (NAD) allows users to register and link their accounts to a proxy of their choosing, facilitating seamless fund transfers.

Overview

Issuer API

Acquirer API

Network Administration

Signing on/off and echo with DuitNow system. Ensuring its smooth operation and reliable service delivery.

Overview

Issuer API

Acquirer API

MyDebit

MyDebit Tokenisation

Allows issuers to manage the digital issuance of tokenized MyDebit payment credentials.

MyDebit Secure Remote Commerce (SRC)

A SRC system with consistent framework and interfaces across the remote commerce environment where participants in the payments ecosystem facilitate a streamlined and secure checkout process.

MyDebit Secure Card Not Present (CNP)

A Card-Not-Present (CNP) transaction is a retail spend transaction where the Cardholder is not physically present at the Merchant.

FPX

Business To Customer (B2C)

Fast and conveinient way that allows individual customers to make payments for online purchases directly from their bank accounts, providing a convenient and reliable payment.

Business To Business Model 1 (B2B1)

Enables businesses customers to make one-time payments directly from their bank accounts, providing a convenient and reliable payment option for e-commerce transactions.

Business To Business Model 2 (B2B2)

Enables businesses customers to initiate payments automatically in batches to FPX. Larger organization can thus link their internal accounting system to FPX.

JomPAY

Biller Notification System (BNS)

Responsible for sending the Biller Notification information to the Biller once the Payer has successfully completed a JomPAY transaction at their Bank.

Biller Registration System (BRS)

Bill Registration System (BRS) allows Biller Bank to make an online web service call for validating and notifying successful biller registration.

Biller Validation Module (BVM)

Biller Validation Module (BVM) allows the Payer Bank to make online web-service calls to the BVM when validating and notifying successful NBPS bill payment transactions.