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Initiate Consent (Save Payment Method - DuitNow Consent)

This API endpoint streamlines the checkout experience by allowing upfront consent registration from the payer, paving the way for a smoother payment process later. Acquirer can seamlessly integrate directly using the specified specifications and process flow, bypassing PayNet's hosted page. This option empowers merchants to streamline the journey of saving a payment method for future transactions.

Process Flow

StepSenderReceiverProcess
1PayerAcquirerPayer initiates a payment via DuitNow Pay.
2AcquirerAPI GatewayAcquirer request API Gateway to pull the available banks and payment methods.
3API GatewayAcquirerThe bank list will be parsing back to acquirer for user to select their preferred payment method.
4PayerAcquirerPayer will select their preferred Online Banking / Wallet (OBW) method to save.
5AcquirerAPI GatewayAcquirer will initiate the consent API to initiate the RPP consent request. The endToEndIdSignature in the response will be used to construct the browser redirection (Refer here for the guidance).
6API GatewayAcquirerAPI Gateway will be sending acknowledgement to acquirer with the redirect for the respective bank for authorization.
7API GatewayAcquirerAPI Gateway will be also sending the mapping of checkout details back to acquirer.
8AcquirerAPI GatewayAcquirer shall provide an acknowledgement back to API Gateway.
9PayerIssuing BankPayer will login with the bank credentials to authorize consent.
10Issuing BankPayerBank will provide the consent details to the payer.
11PayerIssuing BankPayer will authorize the consent upon verifying the consent details.
12API GatewayAcquirerConsent details will be parsed to acquirer as part of the webhook.
13AcquirerAPI GatewayAcquirer shall provide an acknowledgement back to API Gateway.
14Issuing BankAcquirerIssuing Bank will redirect back to acquirer from the redirect URL that configured during the onboarding process.


Request

POST /v1/bw/consent

checkoutIdStringMax length: 36Required
The unique external identifier (uuid v4) provided by the acquirer to PayNet when initiating a payment intent.
issuerStringMax length: 100Required
Name of payer’s issuing bank / wallet. It can obtain from the bank list API.
sourceOfFundsArrayListMax length: N/ARequired
Acceptable source of funds by Merchant.
01 – CASA
02 – Credit Card (not supported at the moment)
03 – eWallet (not supported at the moment)
Merchant Object
productIdStringMax length: 35Required
Product identification assigned by PayNet during merchant registration in Developer Portal.
End Merchant Object
merchantReferenceIdStringMax length: 140Required
Payment reference to the recipient. To be shown to the user during authorization with their issuer.
Customer Object
nameStringMax length: 140Required
Name of payer by initiating acquirer.
identityValidationStringMax length: 2Required
Indicates if Debiting Bank should perform validation on payer information.

00 - No Validation
01 - Debtor Name Check
02 - Debtor Identification Check (NRIC, Passport or etc)
03 - Debtor Name and Identification Check
identificationTypeStringMax length: 2Optional
When this field is sent, Debiting Bank to ensure the identification field match with their internal record before allowing to debit from the account.

01 - New IC Number
The Identification Type used is IC Number.

02 - Army Number
The Identification Type used is Army Number.

03 - Passport Number
The Identification Type used is Passport Number.

04 - Registration Number
The Identification Type used is Registration Number.

05 - Mobile Number
The Identification Type used is Mobile Phone.
identificationStringMax length: 140Conditional
This field is mandatory if identificationType above present. The value will based on the identificationType selected above.

New IC Number - without hyphens. Eg: 840312145594
Army Number - only numbers. Eg: 20248
Passport Number - Include country of issuance. Eg: E394029340VSGP
Registration Number - alphanumeric. Eg: JM1234567-Z
Mobile Number - include country or area code with full mobile number. Eg: +60103772812
End Customer Object
Consent Object
maxAmountStringMax length: 18Required
Maximum payment amount in two decimals. eg: 10.00
effectiveDateStringMax length: 10Required
Consent effective date in YYYY-MM-DD format.
expiryDateStringMax length: 10Required
Consent expiry date in YYYY-MM-DD format.
frequencyStringMax length: 2Required
Frequency mode:

01 - Unlimited
02 - Daily (00:00:00 until 23:59:59)
03 - Weekly (Monday 00:00:00 until Sunday 23:59:59)
04 - Monthly (first day of the calendar month until end of the calendar month)
05 - Quarterly (first day of the calendar quarter until end of the calendar quarter)
06 - Yearly (first day of the calendar year until end of the calendar year)
End Consent Object


Sample Request:

{
"checkoutId": "a7e2ed2a-b088-4495-8cf4-88da08f644f2",
"issuer": "Affin Bank",
"sourceOfFunds": [
"01"
],
"merchant": {
"productId": "P00000201"
},
"merchantReferenceId": "ref12345678",
"customer": {
"name": "Walter Mitty",
"identificationType": "05",
"identification": "+60123456789",
"identityValidation": "00"
},
"consent": {
"maxAmount": "100.00",
"effectiveDate": "2024-01-24",
"expiryDate": "2024-04-24",
"frequency": "01"
}
}


Response

Data Object
endToEndIdStringMax length: 35Required
Unique message identification from RPP. This can be used to reconcile with RPP BackOffice or Reports.
endToEndIdSignatureStringMax length: 1024Required
End to end id sign using RPP private key.
issuerStringMax length: 100Required
Name of payer’s issuing bank / wallet.
End Data Object
messageStringMax length: 1024Required
Refer to reason codes in the appendix.


Sample Response:

{
"data": {
"endToEndId": "20240208M0037091811OBW00000224",
"endToEndIdSignature": "f1HfevZrnqp1zBxYVpCV2WnknPCATzv07Ih1d/33O6Ak5VgFq8GvGwGO6FftMdE8EyDSOGIvEqTGZ3VFZep7rpp39MmCGdyRXW4/gw8FhWX3CgaBbKoIpe44JUKO9W2xHvhw5NKn442qQ2xE/ybPN4WHOSr59C0fS6IhDlWHUx/Wvx64mAjRMGq5708wkNTctKHclfoseCoQeJXaCyKoydJtzBcKyspA99AweXg2DmWyE8Zzv10bPdyij3T5hEcGEVXM70MsybrWdA38ko91/yAxlycAEFFV4f1IUSzBkFvkbmBCWApzVlcwl+EovJQspEOLfWy1YyVuDlOyDIc1sA==",
"issuer": "Affin Bank"
},
"message": "U000"
}




When a customer saves a payment method via consent, the above UI requirements must be adhered to during development. While the color scheme and font can be customized, it is crucial that user guidance remains clear.

Webhook: Update Checkout Details

This webhook maps the endToEndId to the checkoutId. This allows the acquirer to relate the endToEndId in the redirect URL back to the checkoutId when the issuer redirects with only the endToEndId in Step 14.

Request

Webhook endpoint will be provided by acquirer during onboarding.

checkoutIdStringMax length: 36Required
The unique external identifier (uuid v4) provided by the acquirer to PayNet when initiating a payment intent.
consentEndToEndIdStringMax length: 35Required
Unique message identification from RPP. This can be used to reconcile with RPP BackOffice or Reports.
consentIdStringMax length: 35Required
Consent that is authorized for AutoDebit payment.
issuerStringMax length: 100Required
Name of payer’s issuing bank / wallet.


Sample Request:

{​
"checkoutId": "a7e2ed2a-b088-4495-8cf4-88da08f644f2",​
"consentEndToEndId": "20240325M0000201861OBW00618197",​
"consentId": "M00002010012700006"​,
"issuer": "Affin Bank"
}​


This webhook is to update the acquirer when a save payment method is initiated. It will return the consentId with the status.

info

If acquirer does not receive this webhook, kindly perform Retrieve Saved Payment Registration Status API to enquire the status of consent.



Request

Webhook endpoint will be provided by acquirer during onboarding.

checkoutIdStringMax length: 36Required
The unique external identifier (uuid v4) provided by the acquirer to PayNet when initiating a payment intent.
endToEndIdStringMax length: 35Required
Unique message identification from RPP. This can be used to reconcile with RPP BackOffice or Reports.
issuerStringMax length: 100Required
Name of payer’s issuing bank / wallet.
ConsentStatus Object
consentIdStringMax length: 35Required
Consent that is authorized for AutoDebit payment.
codeStringMax length: 4Required
Please refer to appendix for the list of status codes.
messageStringMax length: 1024Required
Please refer to appendix for the list of reason codes.
End ConsentStatus Object


Sample Request:

{
"checkoutId": "a7e2ed2a-b088-4495-8cf4-88da08f644f2",
"endToEndId": "20240119DMM2MYKL813OBW00000005",
"consentStatus": {
"message": "U000",
"code": "ACSP",
"consentId": "M00002010012700006"
},
"issuer": "Affin Bank"
}
info

With the consent authorized by user on the merchant. Acquirer can request payment by initiating DuitNow AutoDebit.


Guidance to Perform Payment Enquiry

Scenario example:
If there is missing update checkout details from the webhook, but the debiting agent is redirected and receives the update consent details from webhook, no further enquiry is needed, and the payment is confirmed as successful.

Please refer the table below to understand which suitable action that you may need to perform:

Webhook: Update Checkout DetailsDebiting Agent RedirectedWebhook: Update Consent DetailsAction
No enquiry required, consent registered successful.
Perform Enquire Payment Method Details.
Perform Enquire Checkout Details. If it successful responded, please proceed to perform Enquire Payment Method Details.