...DuitNow Online Banking/WalletIntroductionOverview

We've Launched a New Documentation Website (Beta Launch)

The documentation for DuitNow is now available on our newly launched documentation platform. This is an initial beta rollout of our new documentation site, designed to become the long-term home for all documentation moving forward.

You'll find the familiar content you're used to—now hosted on a new platform that will progressively receive updates and enhancements.

We encourage you to start accessing DuitNow materials there to explore the new experience and ensure you're viewing the latest documentation updates. If you have any feedback, please reach out to us.

Visit the New Documentation Website

DuitNow Online Banking/Wallet

DuitNow Online Banking/Wallet

DuitNow Online Banking/Wallet is backed by Issuer Banks (Debiting Agents) and Acquirer Banks (Crediting Agents), enabling customers to make payments to DuitNow Pay using their preferred bank or wallet. From the merchant portal or mobile app, customers select their preferred payment method, are redirected to their bank or wallet to approve the transaction, and then return to the merchant site to complete the purchase.

DuitNow Online Banking/Wallet

DuitNow Online Banking/Wallets lets payers make payments to merchants using their preferred bank or wallet through DuitNow Pay

Overview

DuitNow Reversal

This service allows the Acquirer to issue reversals to the Issuer and Customer when there's a refund request for a dispute or transaction timeout.

Overview

DuitNow Online Banking/Wallet is for

Acquirer

An acquirer is the entity that facilitates payment acceptance on behalf of merchants or billers. It connects the merchant to the DuitNow network, receives confirmation of fund transfers, and ensures that the funds are settled into the merchant’s account after the transaction is successfully processed.

Issuer

An issuing bank is the financial institution where the customer, or payer, holds their account. It is responsible for authenticating the customer and authorizing payment requests. Upon successful authorization, the issuing bank deducts the funds from the customer’s account and provides response codes that indicate whether the transaction was successful or not.

Merchant Acquirer

A merchant acquirer is the entity that enables merchants to accept DuitNow Online Banking/Wallet (DOBW) payments. It is responsible for onboarding merchants to the DuitNow DOBW service and managing the reconciliation and settlement of funds to the merchants.

DuitNow Pay

Refund

Integration of this service is mandatory. If it has already been integrated, you may skip this step.

Related Services

Network Administration

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

DuitNow Pay

A unified platform that seamlessly enables PayNet products like DuitNow Online Banking/E-wallets, DuitNow AutoDebit, DuitNow QR, and MyDebit.

DuitNow Consent

The Consent Framework allows billers to easily obtain and manage customer approval for automatic payments, while enabling issuing banks to authorize these requests efficiently.

DuitNow AutoDebit

Once the payment method is authorized through DuitNow Consent, DuitNow AutoDebit enables acquirers to manage recurring payments like utility bills, insurance premiums, and subscription fees.