...DuitNow ConsentIntegrationConsent Registration DuitNow Pay: Save Payment Flow

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Consent Registration DuitNow Pay: Save Payment Flow

In the DuitNow Pay - Save Payment API flow, the customer is redirected to their selected bank to authorize the consent request. This flow is typically used when customers add their Current Account Savings Account (CASA) as a payment method on a merchant's platform.

DuitNow Pay Consent Registration Flow (Steps 9-19)

Step	Sender	Receiver	Process
9	Customer	Merchant / Biller	Customer confirms payment option and initiate to save payment method.
10	Merchant / Biller	Merchant Acquirer/System Integrator	Merchant/Biller will perform the following: Validate request Send save payment method request to Merchant Acquirer/System Integrator
11	Merchant Acquirer/System Integrator	DuitNow Pay	Merchant Acquirer/System Integrator the following: Validate request Send save payment method request to Merchant Acquirer/System Integrator
12	DuitNow Pay	RPP	DuitNow Pay will perform the following: Authorize and validate Consent Registration request Send Consent Registration request to RPP Start timer Note: Transaction Type: 811
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 Stop timer 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 Generate Signature with End-to-End ID Send an ACCEPTED response back to DuitNow Pay with End-to-End ID and Signature Note: Timeout is set at 20 seconds Transaction Type: 811
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 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 acknowledgement 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.

DuitNow Pay Retrieve Consent Info Flow (Steps 20-23)

Step	Sender	Receiver	Process
20	Issuer	RPP	Issuer performs the following Validate Signature sent by Merchant / Biller Send Retrieve Consent Info Request based on End-to-End ID Start Timer Note: Transaction Type: 812
21	RPP	Issuer	RPP performs the following Message Logging Message Validation Message Format Validation Digital Signature Validation Business Validation Timeout Validation Payment Validation Check Check Request to Pay Staging Status Stop timer If any Message Validation fails, RPP will Send a REJECT response to Issuer If any Business Validation fails, RPP will Send a NEGATIVE response to Issuer If all validations are successful, RPP will Return Retrieved Consent Info Response Note: Transaction Type: 812
22	Customer	Issuer	Customer Logs into Mobile/Internet Banking portal of Issuer
23	Issuer	Customer	Issuer performs the following: Perform Login Validation If validation fails Issuer will Reject Customer Login and return error code If validation is successful Display Consent Detail to customer

DuitNow Pay Update Consent Status (24-31)

Step	Sender	Receiver	Process
24	Customer	Issuer	Customer performs the following Confirm Consent Detail Authorise Consent Registration OR Update Status to Pending Authorisation Note: Update to Pending Authorisation is an optional step for scenarios where the Consent Registration needs to be updated to Pending Authorisation for two level Authentication.
25	Issuer	RPP	Issuer performs the following Validate Customer Response Any other validation Send Update Consent Status request to RPP Start timer Note: If customer selects multiple consent type, Issuer will send multiple Update Consent Status request Transaction Type: 813
26	RPP	Issuer	RPP performs the following: Message Logging Message Validation Message Format Validation Digital Signature Verification Business Validation Mandatory and conditional fields validation Business Message Identifier validation Timeout Validation Transaction Type Validation Allowed Max Amount Check Expiry Date Check Check Consent Staging Status If any Message Validation fails, RPP will Send a REJECT response to Issuer If any Business Validation fails, RPP will Send a NEGATIVE response to Issuer If all validations are successful, RPP will IF Issuer sent Update Consent Status to PDAU (Pending Authorisaton); Update Consent Staging Table Status to ‘PDAU’ (Pending Authorisation) IF Issuer sent Update Consent Status to ACTV (Active); Update Consent Staging Table Status to ‘SUCC’ (Success) Create entry in Consent Table Generate Consent ID Set Consent Status as ACTV Send the ACCEPTED response to Issuer Note: Timeout is set at 20 seconds Transaction Type: 813
27	RPP	DuitNow Pay	RPP performs the following: Notify DuitNow Pay of the Consent Status
28	DuitNow Pay	Merchant Acquirer/ System Integrator	Consent status will be parsed to Merchant Acquirer/ System Integrator as part of the webhook.
29	Merchant Acquirer/ System Integrator	Merchant / Biller	Consent status will be parsed to Merchant / Biller as part of the webhook.
30	Merchant / Biller	Merchant Acquirer/ System Integrator	Merchant / Biller shall provide an acknowledgement back to Merchant Acquirer/ System Integrator.
31	Merchant Acquirer/ System Integrator	DuitNow Pay	Merchant Acquirer/ System Integrator shall provide an acknowledgement back to DuitNow Pay.