| 1 | Merchant Send AF Message to FPX | Merchant send a batch of AF messages to FPX, either manually or in a timely duration using host to host connection over internet via SSL. The message will have Buyer Bank and Buyer Bank Account. |
| 2 | FPX Respond AB Message to Merchant | FPX send AB respond status with Status Code 1S - ‘Bulk Refund Successful Submitted’ |
| 3 | FPX Send AR Message to Buyer Bank | FPX send AR message to Buyer Bank. |
| 4 | Buyer Bank Respond Direct AC Message to FPX | Bank sends Direct AC message with Status Code 99 (Pending authorization) to FPX. |
| 5 | FPX Send Acknowledgment of Direct AC to Buyer Bank | FPX send acknowledgement message to Buyer Bank. |
| 6 | FPX Respond Direct AB Message to Merchant | Send Direct AB response status message with Status Code 99 to Merchant website. FPX will resend numbers of Direct AB whenever Merchant does not acknowledge Direct AB message to FPX. |
| 7 | Merchant Send Acknowledgment of Direct AB Message to FPX | Based on received Direct AB message, Merchant needs to respond with 'OK' message. |
| 8 | Buyer Bank Perform Debiting | Upon Buyer representative (Authorizer) successful login to the Bank’s Internet Banking, Authorizer approve the payment by confirming the transaction. |
| 9 | Buyer Bank Respond Direct AC Message to FPX | Bank sends Direct AB message with Status Code 00 (Approved) to FPX. |
| 10 | FPX Send Acknowledgment of Direct AC to Buyer Bank | FPX send acknowledgement message to Buyer Bank. |
| 11 | FPX Respond Direct AB Message to Merchant | Send Direct AB response status message with Status Code 00 to Merchant website. FPX will resend numbers of Direct AB whenever Merchant does not acknowledge Direct AB message to FPX. |
| 12 | Merchant Send Acknowledgment of Direct AB Message to FPX | Based on received Direct AB message, Merchant sends acknowledgement message to FPX. |
| 13 | FPX Send RR Message to Acquiring Bank | Upon completion of the debit cycle, FPX initiates RR message to Acquiring Bank. |
| 14 | Acquiring Bank Perform Crediting | Acquiring Bank processes credit message and performs crediting to Customer's Account. |
| 15 | Acquiring Bank Responds RC Message to FPX | Acquiring Bank updates credit status to FPX by sending RC message. Once credit response message is received, FPX update the transaction as completed and ready for interbank settlement. |
