PayNet Developer Portal DocumentationSee guides, references and resources to help you build with PayNetOur ProductsNetwork AdministrationNetwork AdministrationManages the signing on/off and echo processes with the DuitNow system, ensuring smooth operation and reliable service delivery.OverviewIssuer APIAcquirer APINational Addressing DatabaseNational Addressing DatabaseEnables users to register and link their accounts to a proxy of their choice, e.g. mobile number, NRIC etc., for easier identification and fund transfers.OverviewIssuer APIAcquirer APIDuitNow TransferCredit TransferA fast, convenient instant credit transfer service designed for seamless integration into digital banking channels. Supports account numbers and proxies like mobile numbers, NRICs etc.OverviewIssuer APIAcquirer APIDuitNow QRMerchant Presented QR: DomesticMake quick, seamless and secure payments by scanning a DuitNow QR code from any merchant or recipient for an easy payment or fund transfer experience.OverviewIssuer APIAcquirer APICross Border Outbound QREnables Malaysians abroad to make payments via their mobile banking or e-payment applications by scanning the foreign merchants' QR code.OverviewCross Border Inbound QREnables foreign customers to make payments via their mobile banking or e-payment applications by scanning a DuitNow QR code at any participating merchant.OverviewCustomer-Presented QR: DomesticEnables customers to generate and present a DuitNow QR code for merchants to scan and instantly collect payments.OverviewDuitNow Online Banking WalletDuitNow Online Banking/WalletsA real-time online payment service which enables payers to transact securely with merchants via their internet and mobile banking, or e-payment application.OverviewIssuer APIAcquirer APIDuitNow Consent & AutoDebitDuitNow AutoDebitA convenient and instant payment collection method for merchants to collect funds from payers with pre-established Consents in place.OverviewDuitNow ConsentEnables customers to grant permission to merchants to perform future ad-hoc or recurring payment collections based on the various criteria established in a Consent.OverviewDuitNow ReversalDuitNow ReversalThis service allows the Acquirer to issue reversals to the Issuer and Customer when there's a refund request for a dispute or transaction timeout.OverviewIssuer APIAcquirer APIDuitNow RequestDuitNow RequestA service that allows recipients to send real-time digital payment requests to collect funds from a payer via their account number or registered proxy.OverviewDuitNow PayDuitNow PayDuitNow Pay provides a single API that consolidates multiple online payment channels, enabling customers to select the option they trust most at checkout.OverviewIntegrationMyDebitMyDebit Secure Card Not Present (CNP)MyDebit CNP enables secure online and in-app transactions using MyDebit cards, even when the cardholder isn’t physically present. It uses EMV 3-D Secure to authenticate payments and protect against fraud in e-commerce.MyDebit TokenisationSecuring digital payments by replacing card details with a token, reducing fraud risk.FPXBusiness 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 organizations can thus link their internal accounting system to FPX.JomPAYBiller Notification System (BNS)JomPAY's billing notification system allows billers to receive real-time or batch alerts when customers make payments.Biller Registration System (BRS)The Biller Registration System (BRS) is an online service hosted by PayNet as part of the NBPS. It allows Biller Banks to validate and notify successful biller registrations through 24/7 web-service calls, enabling faster registration processing.Biller Validation Module (BVM)The Biller Validation Module (BVM) is an online service by PayNet within NBPS. It lets Payer Banks validate and confirm bill payments through 24/7 web-service calls, supporting seamless bill payment transactions.