...DuitNow QROverviewCross Border Inward QR

Cross Border Inward QR

See also API reference for DuitNow QR

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Introduction

Supported Regions

China	Indonesia	Korea	Philipines	Singapore	Thailand
✔	✔	Coming Soon	Coming Soon	✔	✔

KEY ✔ Available ✖ Not Available

The Inward Cross-Border QR enables customers with a foreign Bank Account to make payments via their chosen mobile banking appilication by scanning the QR code generated by local merchants in Malaysia.

Account Enquiry Flow (Steps 1-8)

Step	Sender	Receiver	Process
1	Customer	Issuer	Customer logs in to Mobile Banking App, scans a merchant’s QR and initiates a QR Payment request.
2	Issuer	CB Clearing House	Issuer performs the following: Authorize and validate the QR Payment request Parse the QR code to identify the Acquirer If all validations are successful, Issuer will: Send Account Enquiry request to CB Clearing House
3	CB Clearing House	RPP	CB Clearing House performs the following: Message Validations (includes digital signature verification) Business Validations If any Message Validation fails, CB Clearing House will send a REJECT response to Issuer. If any Business Validation fails, CB Clearing House will send a NEGATIVE response to Issuer. If all validations are successful, CB Clearing House will: Send the Account Enquiry request to RPP
4	RPP	Acquirer	RPP performs the following: Message Validations (includes digital signature verification) Business Validations Forex rate validation and conversion If any Message Validation fails, RPP will send a REJECT response to RPP. If any Business Validation fails, RPP will send a NEGATIVE response to CB Clearing House. If all validations are successful, RPP will: Send the Account Enquiry request to Acquirer
5	Acquirer	RPP	Acquirer performs the following: Message Validations (includes digital signature verification) Beneficiary Account Validation If any Message Validation fails, Acquirer will send a REJECT response to RPP. If any Beneficiary Account Validation fails, Acquirer will send a NEGATIVE response to RPP. If all validations are successful, Acquirer will: Send the Account Enquiry response to RPP
6	RPP	CB Clearing House	RPP performs the following: Message Validations (includes digital signature verification) Business Validations If all validations are successful, RPP will: Send the Account Enquiry response to CB Clearing House
7	CB Clearing House	Issuer	CB Clearing House performs the following: Message Validations (includes digital signature verification) Business Validations If all validations are successful, CB Clearing House will: Send the Account Enquiry response to Issuer
8	Issuer	Customer	Issuer performs the following: Message Validations (includes digital signature verification) Business Validations If all validations are successful, Issuer will: If successful response: Display the Account Name on the Customer screen for confirmation If negative response: Display an error message on the customer screen

Exception Handling

Step(s)	Event	Action
2	Timeout - No response from CB Clearing House	When no response is received from Clearing House after x period of time: Issuer will: Stops timer Display an error message on the customer screen
2	Rejection - Rejected by CB Clearing House	CB Clearing House: If Message Validation fails, send a REJECT response to Issuer If Business Validation fails, send a NEGATIVE response to Issuer Include a copy of the original Request message in FULL in the AddtlData field of the Reject Response message for the Sender to investigate the issue Issuer: Stop timer Perform Message Validation: Message Format Validation Digital Signature Verification If all validations are successful, Issuer will display an error message on the customer's screen
3	Timeout - No response from RPP	When no response is received from RPP after X period of time, the following actions should be taken: CB Clearing House: Stop timer Send NEGATIVE Response message to Issuer Issuer: Stop timer Message Validation Business Validation If all validations are successful, Issuer will display an error message on the customer's screen
3	Rejection - Rejected by RPP	RPP: If Message Validation fails, send a REJECT Response to CB Clearing House If Business Validation fails, send the Payment Status with NEGATIVE Response to CB Clearing Hourse Include a copy of the original Request message in FULL in the AddtlData field of the Reject Response message for the Sender to investigate the issue CB Clearing House: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, CB Clearing House will send the Account Enquiry response to Issuer Issuer: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, Issuer will display an error message on the customer screen
4	Timeout - No response from Acquirer	When no response is received from Acquirer after x period of time, RPP: Stop timer Send NEGATIVE Account Enquiry response to CB Clearing House CB Clearing House: Stop timer Message validation (includes digital signature verification) Business Validation If all validations are successful, send NEGATIVE Account Enquiry response to the Issuer Issuer: Stop timer Display an error message on the customer's screen
4	Rejection - Rejected by Acquirer	Acquirer: If Message Validation fails, send a REJECT Response to RPP If Business Validation fails, send the Payment Status with NEGATIVE Response to RPP Include a copy of the original Request message in FULL in the AddtlData field of the Reject Response message for the Sender to investigate the issue RPP Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, RPP will send the Account Enquiry response to CB Clearing House CB Clearing House: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, CB Clearing House will send the Account Enquiry response to Issuer Issuer : Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, display an error message on the customer's screen

Credit Transfer Flow (Steps 9-19)

Step	Sender	Receiver	Process
9	Customer	Issuer	Customer confirms the QR Payment.
10	Issuer	CB Clearing House	Issuer performs the following: Authorize and validate the Credit Transfer request If all validations are successful, Issuer will: Send Credit Transfer request to CB Clearing House
11	CB Clearing House	RPP	CB Clearing House performs the following: Message Validations (including digital signature verification) Business Validations Liquidity Position Check If any Message Validation fails, CB Clearing House will send a REJECT response to Issuer. If any Business Validation fails, CB Clearing House will send a NEGATIVE response to Issuer. If any Liquidity Position Check fails, CB Clearing House will send a NEGATIVE response to Issuer. If all validations are successful, CB Clearing House will: Send the Credit Transfer request to RPP
12	RPP	Acquirer	RPP performs the following: Message Validations (includes digital signature verification) Business Validations If any Message Validation fails, RPP will send a REJECT response to CB Clearing House. If any Business Validation fails, RPP will send a NEGATIVE response to CB Clearing House. If all validations are successful, RPP will: Check if an Account Enquiry request has been performed within a stipulated time interval If no Account Enquiry found, Send a Payment Status with a NEGATIVE response to CB Clearing House If an Account Enquiry is found, Send the Credit Transfer request to Acquirer
13	Acquirer	RPP	Acquirer performs the following: Message Validations (includes digital signature verification) Beneficiary Account Validation If any Message Validation fails, Acquirer will send a REJECT response to RPP. If Beneficiary Account Validation fails, Acquirer will send a NEGATIVE response to RPP. If all validations are successful, Acquirer will: Send the Payment Status with SUCCESSFUL response to RPP Notes: When a REPEAT request is received by the Acquirer from RPP: If the original transaction has been POSTED successfully by the Acquirer, Acquirer will respond with the original transaction response instead of rejecting the REPEAT request as duplicate If the original transaction has not been processed previously, Acquirer will process the transaction and return the appropriate response to RPP
14	Acquirer	Merchant	Acquirer notifies merchant on successful QR Payment status.
15	RPP	Local Settlement Bank	RPP sends notification of Debit to Local Settlement Bank.
16	RPP	CB Clearing House	RPP performs the following: Message Validations (includes digital signature verification) Business Validations If all validations are successful, RPP will: Update liquidity positions of Acquirer and Local Settlement Bank Send the Payment Status with successful response to CB Clearing House Notes: If the signature received from Acquirer could not be verified, RPP will send an ACCEPTED (Signature error) response to CB Clearing House. This should take care of any message manipulation done within the data when a signature cannot be verified.
17	CB Clearing House	CB Settlement Bank	CB Clearing House sends notification of Credit to CB Settlement Bank.
18	CB Clearing House	Issuer	CB Clearing House performs the following: Message Validations (includes digital signature verification) Business Validations If all validations are successful, CB Clearing House will: Update liquidity positions of Issuer Send the Payment Status with successful response to Issuer Notes: If the signature received from RPP could not be verified, CB Clearing House will send an ACCEPTED (Signature error) response to Issuer. This should take care of any message manipulation done within the data when a signature cannot be verified.
19	Issuer	Customer	Issuer performs the following: Message Validations (includes digital signature verification) Business Validations If all validations are successful, Issuer will: Display a successful message on the customer's screen Notes: If the signature received from CB Clearing House could not be verified, Issuer will base the status of the transaction on the actual transaction status received from RPP.

Exception Handling

Step(s)	Event	Action
10	Timeout - No response from CB Clearing House	When no response is received from Clearing House after x period of time, Issuer will: Stop timer Display an error message on the customer screen Send a Transaction Enquiry Request to obtain the status of the Credit Transfer
10	Rejection - Rejected by CB Clearing House	CB Clearing House If any validation fails, send a Payment Status with NEGATIVE response to Issuer Issuer: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, Issuer will display an error message on the customer's screen
11	Timeout - No response from RPP	When no response is received from RPP after x period of time, the following actions should be taken: CB Clearing House will: Timeout Store the Transaction Enquiry Request in SAF Update the Liquidity Positions of both Issuer and CB Settlement Bank Send an ACCEPTED response back to Issuer
11	Rejection - Rejected by RPP	RPP: If Message Validation fails, send a REJECT Response to CB Clearing House If Business Validation fails, send the Payment Status with NEGATIVE Response to CB Clearing Hourse Include a copy of the original Request message in FULL in the AddtlData field of the Reject Response message for the Sender to investigate the issue CB Clearing House: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, CB Clearing House will: If NEGATIVE Response: Not update liquidity and settlement positions Send the Payment Status with NEGATIVE response to Issuer If REJECT Response: Not update liquidity and settlement positions Send the Payment Status with REJECT response to Issuer Issuer: Stops timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, Issuer will display an error message on the customer screen
12	Timeout - No response from Acquirer	When no response is received from Acquirer after x period of time, RPP will: Timeout Store the Credit Transfer Transaction in SAF Update the Liquidity Positions of both Acquirer and Local Settlement Bank Send an ACCEPTED (Timeout reason) response back to CB Clearing House CB Clearing House: Send a Confirmation of Credit to CB Settlement Bank Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, CB Clearing House will: Update liquidity positions of Issuer Send the Payment Status with successful response to Issuer Issuer: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, Issuer will display a successful message on the customer screen
12	Rejection - Rejected by Acquirer	Acquirer: If Message Validation (includes digital signature verification) fails, send a REJECT Response to RPP If Beneficiary Account Validation fails, send the Payment Status with NEGATIVE Response to RPP Include a copy of the original Request message in FULL in the AddtlData field of the Reject Response message for the Sender to investigate the issue RPP: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, RPP will send the Payment Status to CB Clearing House CB Clearing House: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, CB Clearing House will send the Payment Status to Issuer Issuer: Stop timer Message Validation (includes digital signature verification) Business Validation If all validations are successful, Issuer will display an error message on the customer screen

Validation Rules

Message Validation

Business Validation

Message Format Validation Digital Signature Verification

RPP: Mandatory and conditional fields validation Business Message Identifier validation Issuer Check Acquirer Check Repeat Check Date Tolerance Check Minimum & Maximum Amount Check Liquidity Position Check Account Enquiry Exist Check (only in Step 11) Acquirer: Mandatory and conditional fields validation QR Validation (Only in Step 5) Beneficiary Account Validation (Only in Step 5) Any other validations