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Interbank Cash Deposit (IBCD) – Issuer / Beneficiary

This guide provides step-by-step instructions for Issuer / Beneficiary institutions to test Interbank Cash Deposit (IBCD) transactions using PayNet-provided terminals and the Developer Portal.

Who should use this: Banks, Non-Banks, TPA, EMI, Digital Banks receiving cash deposits

Prerequisites​

ItemProvider
PayNet TerminalPayNet
Login CredentialsPayNet
Beneficiary Account (2887 XXXX XXXX)PayNet
Developer Portal AccessPayNet
FIIDYour Organization

Step 1: Execute Transaction on PayNet Terminal​

1.1 Terminal Login​

  1. Open PayNet ATM application
  2. Enter Email provided by PayNet
  3. Enter Password provided by PayNet
  4. Click Login

1.2 Navigate to Cash Deposit​

  1. From the main menu, click Cash Deposit

1.3 Select Beneficiary Bank​

  1. Select PayNet (PYNG – 9990002)
  2. Click Confirm

1.4 Select Account Type​

  1. Choose the account type based on your test case (Default, Credit Card, Loan Account):

  2. Selection is reflected in P-3 data element

1.5 Enter Beneficiary Account​

  1. Enter beneficiary account number: 2887 XXXX XXXX
  2. Click OK

1.6 Enter Deposit Amount​

  1. Enter test amount (e.g. RM 100.00)
  2. Click Charge

1.7 Beneficiary Inquiry​

  1. System performs beneficiary inquiry

  2. Review beneficiary details:

    • Account Holder Name
    • Account Number
    • Bank Name
    • Deposit Amount

  3. If details are correct, click Confirm

1.8 Complete Transaction​

  1. Transaction is executed
  2. Retrieve receipt and capture RRN
Important

Two RRNs are generated:

  • Beneficiary Inquiry RRN (Step 1)
  • IBCD Transaction RRN (Step 2)

Step 2: Submit Test Case in Developer Portal​

2.1 Navigate to Test Case​

  1. Return to PayNet Developer Portal
  2. Open IBCD Issuer / Beneficiary test suite
  3. Select the test case matching your transaction

2.2 Multi-Step Execution​

  1. Click the Test Execution tab
  2. Enter Beneficiary Inquiry RRN in Step 1 field
  3. Click Run Test Case for Step 1
  4. Wait for Step 1 to show Passed
Note

Step 2 is enabled only after Step 1 passes.

  1. Enter IBCD Transaction RRN in Step 2 field
  2. Click Run Test Case for Step 2
  3. Verify both steps show Passed

2.3 Review Results​

  • Passed: Status badge displays a green Passed label

  • Failed: Click View Test Logs to identify the issue and error details

Step 3: Complete All Test Cases​

  1. Repeat Step 2 and Step 3 for each test case
  2. Complete all account type variations (Default, Saving, Current, Credit Card, Loan)
  3. Ensure all test cases show Passed status