DocsNADPay By Proxy

Pay By Proxy

See also API reference for NAD

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Introduction

Pay by Proxy provides an alternate way for the Customer to pay to another customer using their registered Proxy ID like mobile number, NRIC, Passport Number, Army Number or Business Registration Number instead of Account Number

The payment flow is very similar to DuitNow Transfer but participant will now need to initiate a Proxy Resolution Enquiry request instead of Account Enquiry to retrieve the recipient’s name for confirmation. Once the Customer confirms the transaction details such as Proxy ID and beneficiary name, the Participant will send a Credit Request to RPP for processing

Proxy Resolution Enquiry

Proxy resolution enquiry is used to determine if particular proxy is valid and ready to receive payment. There are many situations in which you may need to know if a particular proxy provided by customer is valid before accepting payment request. Examples include:

• Customer needs to validate the beneficiary account name before making final confirmation to the payment request
• Customer needs to ensure the recipient details before making top-up to their eWallet account

This request can be initiated from Pay by Proxy transaction or as a standalone transaction by the Customer

The table below contains guidance to Participants as to what information to 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 leverages on the same Credit Transfer as the second leg of the transaction to push payment transaction of an amount from a bank account (the debtor account) to a beneficiary account (the creditor) that can be invoked from the Participants’ various channels or touchpoints within their ecosystem. Some of these touchpoints may be Internet Banking, Mobile Banking, Branches, Kiosks and etc

Sample Use Case

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

Successful End-to-End Pay by Proxy Flow

Step	Sender	Receiver	Processes
1	Customer	OFI	Customer logs into Online Banking or Mobile Banking app and initiates a DuitNow Transfer – Pay-by-Proxy
2	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	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	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	OFI	Customer verifies the beneficiary account details and confirms on the payment
6	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	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	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	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	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

Notes:

• The exception scenarios will be handled similarly to Credit Transfer flows

Message Schema

Below illustrates the message schema to be used for each transaction leg. For actual schema and message version, please refer to the API specifications instead

No	Condition	Scenario	Sender	Receiver	Message Schema Out: From Sender In: To Receiver
1	Successful Pay-by-Proxy		OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: pacs.008.001.06
			RPP	RFI	Out: pacs.008.001.06 In: pacs.008.001.06
			RFI	RPP	Out: pacs.002.001.08 In: pacs.002.001.08
			RPP	OFI	Out: pacs.002.001.08 In: pacs.002.001.08
2	Message Validation Failure 1	Request from OFI: Signature could not be verified Message parsing failed Mandatory fields level validation failed Unknown inbound message	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: admi.002.001.01 In: admi.002.001.01
			OFI	RPP	Out: NA In: NA
			RPP	RFI	Out: NA In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: NA In: NA
3	Message Validation Failure 2	Response from RPP: Signature could not be verified	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: NA In: NA
			RPP	RFI	Out: NA In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: NA In: NA
4	Message Validation Failure 3	Request from RPP: Signature could not be verified Message parsing failed Mandatory fields level validation failed Unknown inbound message	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: pacs.008.001.06
			RPP	RFI	Out: pacs.008.001.06 In: pacs.008.001.06
			RFI	RPP	Out: admi.002.001.01 In: admi.002.001.01
			RPP	OFI	Out: admi.002.001.01 In: admi.002.001.01
5	Proxy Validation Failure	RPP returns a negative response due to proxy not found	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: NA In: NA
			RPP	RFI	Out: NA In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: NA In: NA
6	Business Validation Failure	RFI is not a participant of RPP Invalid Date RFI is inactive	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	RFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: pacs.008.001.06
			RPP	RFI	Out: pacs.008.001.06 In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: pacs.002.001.08 In: pacs.002.001.08
7	Beneficiary Account Validation Failure	RFI returns a negative response due to account related validation failure like Invalid Account, Account Closed, Account On hold, Account Blacklisted and etc	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: pacs.008.001.06
			RPP	RFI	Out: pacs.008.001.06 In: pacs.008.001.06
			RFI	RPP	Out: pacs.002.001.08 In: pacs.002.001.08
			RPP	OFI	Out: pacs.002.001.08 In: pacs.002.001.08
8	Timeout 1	RPP did not receive request	OFI	RPP	Out: prxy.003.001.01 In: NA
			RPP	OFI	Out: NA In: NA
			OFI	RPP	Out: NA In: NA
			RPP	RFI	Out: NA In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: NA In: NA
9	Timeout 2	OFI did not receive response	OFI	RPP	Out: prxy.003.001.01 In: prxy.003..001.01
			RPP	OFI	Out: prxy.004.001.01 In: NA
			OFI	RPP	Out: NA In: NA
			RPP	RFI	Out: NA In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: NA In: NA
10	Timeout 3	RPP did not receive request	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: NA
			RPP	RFI	Out: NA In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: NA In: NA
11	Timeout 4	OFI did not receive response	OFI	RPP	Out: prxy.003.001.01 In: prxy.003..001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: pacs.008.001.06
			RPP	RFI	Out: pacs.008.001.06 In: NA
			RFI	RPP	Out: NA In: NA
			RPP	OFI	Out: NA In: NA
12	Timeout 5	RPP did not receive response	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: pacs.008.001.06
			RPP	RFI	Out: pacs.008.001.06 In: pacs.008.001.06
			RFI	RPP	Out: pacs.002.001.08 In: NA
			RPP	OFI	Out: NA In: NA
13	Timeout 6	OFI did not receive response	OFI	RPP	Out: prxy.003.001.01 In: prxy.003.001.01
			RPP	OFI	Out: prxy.004.001.01 In: prxy.004.001.01
			OFI	RPP	Out: pacs.008.001.06 In: pacs.008.001.06
			RPP	RFI	Out: pacs.008.001.06 In: pacs.008.001.06
			RFI	RPP	Out: pacs.002.001.08 In: pacs.002.001.08
			RPP	OFI	Out: pacs.002.001.08 In: NA

See also

• Recommended validations
• What is National Addressing Database (NAD)
• How does credit transfer work