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Validations

Internal Validations​

These are the recommended validations to be performed by Participant before initiating request to RPP. Though it is not limited to only these

  • Source account having sufficient balance for debiting purpose
  • Source account status is active
  • Source account can be debited

Customer Confirmation​

These are the recommended details to be displayed for Customer confirmation. Though it is not limited to only these

  • Beneficiary account name
  • Payment amount
  • Recipient reference
  • Payment description
  • Acceptable source of funds
  • Debit status from account (for Credit Transfer leg)
  • Credit status to account (for Credit Transfer Reversal leg)
    • QR
  • Merchant name
    • JomPAY
  • Biller code
  • Biller name
  • Ref-1
  • Ref-2
  • RRN information
  • RTN information

Message Validations​

These are the recommended validations to be performed. Though it is not limited to only these

  • Message format
  • Field type
  • Field length
  • Digital or message signature

Note:

  • The RPP solely validates the field mentioned above without verifying its actual value.

Business Validations​

These are the recommended validations to be performed. Though it is not limited to only these

  • Mandatory and conditional fields
  • Business Message Identifier
  • Date tolerance
  • Transaction code
  • Timeout
  • Issuer check
  • Acquirer check
  • Repeat message handling
  • Minimum and maximum amount
  • Acceptable source of fund
  • JomPAY
  • Check digit validation on <Ref-1> field

Beneficiary Account Validations​

These are the recommended validations to be performed. Though it is not limited to only these

  • Beneficiary account number does exist
  • Check digit on beneficiary account number
  • Beneficiary account is not closed, inactive, on hold, frozen, or any condition that could block a credit entry
  • Beneficiary account is not blacklisted

Proxy Validations​

These are the recommended validations to be performed. Though it is not limited to only these

  • Proxy Resolution Enquiry was performed prior to Pay by Proxy request
  • Beneficiary account number in Credit Transfer is the same as the one returned during Proxy Resolution
  • Proxy is registered with a valid account number
  • Proxy status is active

Liquidity Position Validations​

There will be two Liquidity Position Thresholds – Amber and Red within RPP. Liquidity Position of the OFI will be checked against these two thresholds

  • If Liquidity Position (OFI) > Liquidity Position Threshold – Amber, RPP will send a Liquidity Position Limit Breach Alarm to the OFI
  • If Liquidity Position (OFI) > Liquidity Position Threshold – Red, RPP will send a negative response to the OFI. OFI will have to top up their collateral with Bank Negara to adjust their Liquidity Position