Financial Reports API
List of API
| API | Purpose |
|---|---|
POST /token | Authentication |
POST /v2/reports/query | Request daily itemised report |
| Request cycle summary data | |
| Request daily summary data | |
| Request monthly summary data |
Refer to the API Reference page here.
Pre-Requisite: Authentication
| Step | Sender | Receiver | Process |
|---|---|---|---|
| 1 | Participant | PayNet | Call API to request for token |
| 2 | PayNet | Participant | API responds with token and token expiry |
Sample Request
curl --request POST \
--url https://api.reports.paynet.my/token \
--header 'Accept: application/json' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data grant_type=client_credentials \
--data client_id=client_123456789 \
--data client_secret=secret_abcdefghijklmnop
Sample Response
{
"access_token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...",
"token_type": "Bearer",
"expires_in": 3600
}
info
The access token received from the authorization server will last for 1 hour. Once the token expires, you'll need to request a new token by repeating the same authentication process. (Subject to change)
Itemised Report
| Step | Sender | Receiver | Process |
|---|---|---|---|
| 1 | Participant | PayNet | Send the report request, with report ID, date, etc. |
| PayNet | Participant | API responds with status e.g. new/in-progress/error | |
| 2 | Participant | PayNet | Poll the report request status via the same request API |
| PayNet | Participant | API responds with status ready and the 1-time URL for report download | |
| 3 | Participant | PayNet | Request to download report via the given URL |
| Report Type | Output format |
|---|---|
| Daily Itemised Transactional Report | CSV |
Sample GraphQL Request
{
query {
Report($input: ReportParam) {
status
url
expiry
checksum {
rows
size
md5hash
}
}
}
}
ReportParam
ReportParam {
product String!
report String!
date String!
fields []String!
}
| Parameter | Description | Example Value |
|---|---|---|
| product | Product Indicator | MYD - MyDebitRPP - RPP |
| report | Report Type or Identifier | I01 - itemized report |
| date | The transaction date for the report | 2025-02-15 - date in yyyy-MM-dd format |
| fields | List of fields requested. The CSV file will be generated based on the list and ordering given in the list |
Sample Response
HTTP/1.1 200 OK
X-Request-Id: <UUID>
Content-Type: application/json
{
"data": {
"Report": {
"status": "ready",
"url": "https://fileservice-hostname/files/unique-tracking-id?hash=???",
"expiry": "2025-02-15T12:00:00Z",
"checksum": {
"rows": 1000,
"size": 1024876,
"md5hash": "abc123def456"
}
}
}
}
Summary Report
| Step | Sender | Receiver | Process |
|---|---|---|---|
| 1 | Participant | PayNet | Send the report request, with report ID, date, cycle, etc. |
| 2 | PayNet | Participant | Return requested data in JSON format |
| Report Type | Output format |
|---|---|
| JSON |
Sample GraphQL Request
query MYD {
MYD {
M01(month: "2026-02") {
fiid
month
daily {
settlement_date
detail {
debit_volume
debit_amount
debit_interchange_fee
debit_interchange_fee_tax
debit_interchange_fee_tax_code
debit_network_fee
debit_network_fee_tax
debit_network_fee_tax_code
credit_volume
credit_amount
credit_interchange_fee
credit_interchange_fee_tax
credit_interchange_fee_tax_code
net_total
}
}
services {
transaction_type
detail {
debit_volume
debit_amount
debit_interchange_fee
debit_interchange_fee_tax
debit_interchange_fee_tax_code
debit_network_fee
debit_network_fee_tax
debit_network_fee_tax_code
credit_volume
credit_amount
credit_interchange_fee
credit_interchange_fee_tax
credit_interchange_fee_tax_code
net_total
}
}
total {
debit_volume
debit_amount
debit_interchange_fee
debit_interchange_fee_tax
debit_interchange_fee_tax_code
debit_network_fee
debit_network_fee_tax
debit_network_fee_tax_code
credit_volume
credit_amount
credit_interchange_fee
credit_interchange_fee_tax
credit_interchange_fee_tax_code
net_total
}
}
}
}
Pass-in Parameters
| Parameter | Description | Possible Values | |
|---|---|---|---|
| 1 | product | Product indicator | MYD - MyDebitRPP - RPP |
| 2 | report | Type of report | S01 - Cycle 1 SummaryS02 - Cycle 2 SummaryD01 - Daily SummaryM01 - Monthly Summary |
| 3 | date / month | Settlement date or month For report type S01, S02, and D01: date: yyyy-MM-dd For report type M01: month: yyyy-MM | For report type S01, S02, and D01: date: “2026-01-01” For report type M01: month: “2026-01” |
| 4 | fiid |
| PYNB |
Sample Response
{
"data": {
"MYD": {
"M01": {
"fiid": "PYNB",
"month": "2026-02",
"daily": [
{
"settlement_date": "2026-02-01",
"detail": {
"debit_volume": 0,
"debit_amount": "0.00",
"debit_interchange_fee": "0.00",
"debit_interchange_fee_tax": "0.00",
"debit_interchange_fee_tax_code": "",
"debit_network_fee": "0.00",
"debit_network_fee_tax": "0.00",
"debit_network_fee_tax_code": "",
"credit_volume": 0,
"credit_amount": "0.00",
"credit_interchange_fee": "0.00",
"credit_interchange_fee_tax": "0.00",
"credit_interchange_fee_tax_code": "",
"net_total": "0.00"
}
},
{
"settlement_date": "2026-02-02",
"detail": {
"debit_volume": 0,
"debit_amount": "0.00",
"debit_interchange_fee": "0.00",
"debit_interchange_fee_tax": "0.00",
"debit_interchange_fee_tax_code": "",
"debit_network_fee": "0.00",
"debit_network_fee_tax": "0.00",
"debit_network_fee_tax_code": "",
"credit_volume": 0,
"credit_amount": "0.00",
"credit_interchange_fee": "0.00",
"credit_interchange_fee_tax": "0.00",
"credit_interchange_fee_tax_code": "",
"net_total": "0.00"
}
}
],
"services": [
{
"transaction_type": "PUR",
"detail": {
"debit_volume": 0,
"debit_amount": "0.00",
"debit_interchange_fee": "0.00",
"debit_interchange_fee_tax": "0.00",
"debit_interchange_fee_tax_code": "",
"debit_network_fee": "0.00",
"debit_network_fee_tax": "0.00",
"debit_network_fee_tax_code": "",
"credit_volume": 0,
"credit_amount": "0.00",
"credit_interchange_fee": "0.00",
"credit_interchange_fee_tax": "0.00",
"credit_interchange_fee_tax_code": "",
"net_total": "0.00"
}
},
{
"transaction_type": "RTRN",
"detail": {
"debit_volume": 0,
"debit_amount": "0.00",
"debit_interchange_fee": "0.00",
"debit_interchange_fee_tax": "0.00",
"debit_interchange_fee_tax_code": "",
"debit_network_fee": "0.00",
"debit_network_fee_tax": "0.00",
"debit_network_fee_tax_code": "",
"credit_volume": 0,
"credit_amount": "0.00",
"credit_interchange_fee": "0.00",
"credit_interchange_fee_tax": "0.00",
"credit_interchange_fee_tax_code": "",
"net_total": "0.00"
}
}
],
"total": {
"debit_volume": 101881,
"debit_amount": "6303797.29",
"debit_interchange_fee": "0.00",
"debit_interchange_fee_tax": "0.00",
"debit_interchange_fee_tax_code": "",
"debit_network_fee": "3393.83",
"debit_network_fee_tax": "0.00",
"debit_network_fee_tax_code": "",
"credit_volume": 0,
"credit_amount": "0.00",
"credit_interchange_fee": "5215.42",
"credit_interchange_fee_tax": "0.00",
"credit_interchange_fee_tax_code": "",
"net_total": "6301975.70"
}
}
}
}
}
Data Availability Cycles via API
RPP
| Product Cycle | Report Contains Transactions Between | Tentative Data Availability Time* |
|---|---|---|
| Cycle 1 Summary | 00:00:00 to 13:59:59 every calendar day | 15:30 (T+0) 01:30 (T+1) |
| Cycle 2 Summary | 14:00:00 to 23:59:59 every calendar day | 15:30 (T+0) 01:30 (T+1) |
| Daily Itemised | 00:00:00 to 23:59:59 every calendar day | 04:00 (T+1) |
| Daily Summary | 01:30 (T+1) | |
| Monthly Summary | 00:00:00 on first calendar day of the month to 23:59:59 on last calendar day of the month | 01:30 (T+1M) |
| Note: * refers to report cycle, and does not relate to settlement for RPP | ||
MyDebit
| Product Cycle | Report Contains Transactions Between | Tentative Data Availability Time* |
|---|---|---|
| Cycle 1 Summary | 00:00:00 to 14:29:59 every calendar day | 15:30 (T+0) 01:30 (T+1) |
| Cycle 2 Summary | 14:30:00 to 23:59:59 every calendar day | 15:30 (T+0) 01:30 (T+1) |
| Daily Itemised | 00:00:00 to 23:59:59 every calendar day | 04:00 (T+1) |
| Daily Summary | 01:30 (T+1) | |
| Monthly Summary | 00:00:00 on first calendar day of the month to 23:59:59 on last calendar day of the month | 01:30 (T+1M) |
Note
Data Availability cycles for retrieval are subject to change. The final retrieval cycles will be documented in the Operational Procedure at a later stage.