...Duitnow TransferIntegrationPay By Proxy

Pay By Proxy

Pay by Proxy offers an alternative way for customers to make payments using a registered Proxy ID, such as a mobile number, NRIC, passport number, army number, or business registration number, instead of an account number.

The payment process is similar to DuitNow Transfer but requires initiating a Proxy Resolution Enquiry request instead of an Account Enquiry to retrieve the recipient’s name for confirmation. After the customer confirms the transaction details, including the Proxy ID and beneficiary name, the participant sends a Credit Request to RPP for processing.

Successful End-to-End Pay by Proxy Flow

Step	Sender	Receiver	Processes
1	Customer	Issuer (OFI)	Customer logs into Online Banking or Mobile Banking app and initiates a DuitNow Transfer – Pay-by-Proxy
2	Issuer (OFI)	RPP	OFI performs the following: Authorize and validate the Instant Transfer request Any Internal Validations If all validations are successful: Send Proxy Resolution Enquiry message request
3	RPP	Issuer (OFI)	RPP performs the following: Message Validations Business Validations If any of the validations are not successful: Send a NEGATIVE/REJECT response If all validations are successful: Send Proxy Resolution Enquiry message response with the necessary beneficiary account information
4	Issuer (OFI)	Customer	OFI performs the following: Message Validations Business Validations If all validations are successful: If SUCCESSFUL response: Display the proxy account details to Customer for payment confirmation If UNSUCCESSFUL response: Display an error message to the Customer
5	Customer	Issuer (OFI)	Customer verifies the beneficiary account details and confirms on the payment
6	Issuer (OFI)	RPP	OFI performs the following: Authorize and validate the Pay-by-Proxy transaction Any Internal Validations Debit source account If all validations are successful: Send Credit Transfer message request
7	RPP	Acquirer (RFI)	RPP performs the following: Message Validations Business Validations Proxy Validations Liquidity Position Validations If any of the Message Validations fails: Return a REJECT response to OFI If any of the Business Validations fails: Return a NEGATIVE response to OFI If any of the Proxy Validations fails: Return a NEGATIVE response to OFI If all validations are successful: Send Credit Transfer message request
8	Acquirer (RFI)	RPP	RFI performs the following: Message Validations Business Validations Beneficiary Account Validations If any of the Message Validations fails: Send a REJECT response If any of the Business Validations fails: Send a NEGATIVE response If any of the Beneficiary Account Validations fails: Send a NEGATIVE response If all validations are successful: Send Credit Transfer with successful message response
9	RPP	Issuer (OFI)	RPP performs the following: Message Validations Business Validations If any of the Message Validations fails: Send a REJECT response If any of the Business Validations fails: Send a NEGATIVE response If all validations are successful: Update liquidity and settlement positions of both OFI and RFI Send Credit Transfer message response Notes: If the signature received from RFI could not be verified: RPP will send an ACCEPTED (signature error) response to the OFI if the RFI responds with a SUCCESSFUL transaction status RPP will send an actual REJECT response to the OFI if RFI responds with a REJECT transaction status This should take care of any message manipulation done within the data when a signature could not be verified
10	Issuer (OFI)	Customer	OFI performs the following: Message Validations Business Validations If all validations are successful: If SUCCESSFUL response is received: Display the final payment status to the Customer If UNSUCCESSFUL response is received: Display an error message to the Customer

Proxy Resolution Enquiry

A proxy resolution enquiry is used to verify if a specific proxy is valid and ready to receive payments. This is important in several situations:

• Validating the beneficiary's account name before confirming a payment request.
• Ensuring recipient details before topping up an eWallet account.

This enquiry can be initiated during a Pay by Proxy transaction or as a standalone request by the customer. The table below provides guidance for participants on the information that should be displayed to the customer.

No	Enquiry Scenario	Proxy Owned by	Enquiry By	Status	Expected Response	Displayed to Customer
1	Full Proxy Resolution	Participant A	Participant A	Active	Registration Number Participant Nickname Proxy Type Proxy Id Account Number Account Holder Name	Account Holder Name
2	Full Proxy Resolution	Participant B	Participant A	Active	Registration Number Participant Nickname Proxy Type Proxy Id Account Number Account Holder Name	Account Holder Name
3	Proxy Name Enquiry	Participant A	Participant A	Active	Registration Number Account Holder Name	Account Holder Name
4	Proxy Name Enquiry	Participant B	Participant A	Active	Account Holder Name	Account Holder Name
5	Proxy Check	Participant A	Participant A	Active	Status	Status
6	Proxy Check	Participant B	Participant A	Active	Status	Status

Credit Transfer

Pay by Proxy uses the same credit transfer process to move funds from the debtor’s bank account to the beneficiary’s account. This transaction can be initiated through various channels within the participant's ecosystem, such as Internet Banking, Mobile Banking, Branches, Kiosks, and more.

Sample Use Case

Pay-by-Proxy – Enter Proxy Details

Pay-by-Proxy – Enter Payment Details

Pay-by-Proxy – Confirm Proxy ID, Name and Payment