...DuitNow QROverviewConsumer Presented QR

Consumer-Presented QR

See also API reference for DuitNow QR

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End-to-End Flow

Successful End-to-End Consumer-Presented QR Flow

Step	Sender	Receiver	Process
1	Customer	Issuer	Customer logs into Online Banking or Mobile Banking app and initiates a QR code generation
2	Issuer	Customer	Issuer generates a QR code and Customer presents the generated QR to Merchant
3	Merchant	Acquirer	Merchant scans the QR code presented by the Customer
4	Merchant	Acquirer	Merchant initiates QR Debit request
5	Acquirer	RPP	Acquirer performs the following: Authorize and validate the QR Debit transaction Parse the QR code to extract Application Identifier (AID) Issuer ID Type of Source of Funds Validate Type of Source of Funds against Merchant's Acceptable Source of Funds Any internal validations. If all validations are successful: If AID belongs to PayNet, Issuer will: For On-Us Customer NOT route the request to RPP For Off-Us Customer Send QR Debit request to RPP If AID does not belongs to PayNet, Issuer will: Send QR Debit request to RPP
6	RPP	Issuer	RPP performs the following: Message Validations Business Validations If any of the Message Validations fails: Return a REJECT response to Acquirer If any of the Business Validations fails: Return a NEGATIVE response to Acquirer If all validations are successful: Send QR Debit message request
7	Issuer	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: Debit fund from customer account Send QR Debit message response
8	Issuer	Customer	Issuer notifies Customer on QR payment status
9	RPP	Acquirer	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 Issuer and Acquirer Send QR Debit request message response Notes: If the signature received from Issuer could not be verified: RPP will send an ACCEPTED (signature error) response to the Acquirer if the Issuer responds with a SUCCESSFUL transaction status RPP will send an actual REJECT response to the Acquirer if Issuer 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	Acquirer	Merchant	Acquirer performs the following: Message Validations Business Validations If all validations are successful: If SUCCESSFUL response is received: Credit to Merchant Display the final payment status to the Customer If UNSUCCESSFUL response is received: Display an error message to the Customer

Pre-Authorization and QR Debit Request Flow

Step	Sender	Receiver	Process
1	Customer	Issuer	Customer logs into Online Banking or Mobile Banking app and initiates a QR code generation
2	Issuer	Customer	Issuer generates a QR code and Customer presents the generated QR to Merchant
3	Merchant	Acquirer	Merchant scans the QR code presented by the Customer
4	Merchant	Acquirer	Merchant initiates QR Debit request
5	Acquirer	RPP	Acquirer performs the following: Authorize and validate the QR Debit transaction Parse the QR code to extract Application Identifier (AID) Issuer ID Type of Source of Funds Validate Type of Source of Funds against Merchant's Acceptable Source of Funds Any internal validations. If all validations are successful: If AID belongs to PayNet, Issuer will: For On-Us Customer NOT route the request to RPP For Off-Us Customer Send QR Debit request to RPP Transaction type : 880 Start timer If AID does not belongs to PayNet, Issuer will: Send QR Debit request to RPP Transaction type : 881 Start timer Notes: Send QR Debit request to RPP Transaction type : 881 Start timer
6	RPP	Issuer	RPP performs the following: Message Validations Business Validations If any of the Message Validations fails: Return a REJECT response to Acquirer If any of the Business Validations fails: Return a NEGATIVE response to Acquirer If all validations are successful: Generate Pre-authorization ID Send Pre-Authorization message request with the generated Pre-authorization ID
7	Issuer	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: Pre-authorize Customer account
8	RPP	Acquirer	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: Send Pre-Authorization message response with Pre-authorization ID Notes: If the signature received from Issuer could not be verified: RPP will send an ACCEPTED (signature error) response to the Acquirer if the Issuer responds with a SUCCESSFUL transaction status RPP will send an actual REJECT response to the Acquirer if Issuer 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
9	Acquirer	Merchant	Acquirer 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
10	Merchant	Acquirer	Merchant scans the QR code presented by the Customer
11	Merchant	Acquirer	Merchant initiates QR Debit request
12	Acquirer	RPP	Acquirer performs the following: Authorize and validate the QR Debit transaction Parse the QR code to extract Application Identifier (AID) Issuer ID Type of Source of Funds Validate Type of Source of Funds against Merchant's Acceptable Source of Funds Any internal validations. If all validations are successful: If AID belongs to PayNet, Issuer will: For On-Us Customer NOT route the request to RPP For Off-Us Customer Send QR Debit request to RPP If AID does not belongs to PayNet, Issuer will: Send QR Debit request to RPP
13	RPP	Issuer	RPP performs the following: Message Validations Business Validations If any of the Message Validations fails: Return a REJECT response to Acquirer If any of the Business Validations fails: Return a NEGATIVE response to Acquirer If all validations are successful: Send QR Debit message request
14	Issuer	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: Release pre-authorized amount and debit fund from customer account Send QR Debit message response
15	Issuer	Customer	Issuer notifies Customer on QR payment status
16	RPP	Acquirer	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 Issuer and Acquirer Send QR Debit request message response Notes: If the signature received from Issuer could not be verified: RPP will send an ACCEPTED (signature error) response to the Acquirer if the Issuer responds with a SUCCESSFUL transaction status RPP will send an actual REJECT response to the Acquirer if Issuer 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
17	Acquirer	Merchant	Acquirer performs the following: Message Validations Business Validations If all validations are successful: If SUCCESSFUL response is received: Credit to Merchant Display the final payment status to the Customer If UNSUCCESSFUL response is received: Display an error message to the Customer

Exception Flows

Issuer Failed to Receive Request from RPP

Condition	Actions	Alternatives
RPP sent a request to Issuer, and Issuer did receive the request. However, Issuer response did not reach to RPP As no response is received from Issuer after x period of time, RPP eventually timeout	RPP shall: Timeout Send a Debit Cancellation request OFI shall: Display an appropriate error message to the Customer Stop processing	-

See also

• Recommended validations
• How does credit transfer reversal work
• How does repeat message work
• How does SAF work