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IBFT1 – Issuer / Beneficiary

This guide provides step-by-step instructions for Issuer / Beneficiary institutions to test IBFT1 (Interbank Fund Transfer Scenario 1) transactions using PayNet-provided terminals and the Developer Portal.

IBFT1 simulates instant transfer scenarios where customers transfer funds to accounts within their own bank using the SAN network infrastructure.

Who should use this: Banks, Non-Banks, TPA, EMI, Digital Banks acting as Issuer / Beneficiary

Prerequisites

Item	Provider
PayNet Terminal	PayNet
Login Credentials	PayNet
Test Card (from your bank)	Your Organization
Beneficiary Account (from your bank)	Your Organization
Developer Portal Access	PayNet
FIID	Your Organization

Step 1: Execute Transaction on PayNet Terminal

1.1 Terminal Login

1. Open PayNet ATM application

2. Enter Email and Password provided by PayNet

3. Click Login

1.2 Interbank Fund Transfer Scenario 1 (IBFT1) Transaction

1. Click “Fund Transfer”

2. Select Account Type to Transfer From:
   • Saving
   • Current

Important

Match this selection with your test case title

3. Transfer Type screen appears → Select “Transfer to Own Bank” (IBFT1 requirement)

4. Select Account Type to Transfer To
   • Review your test case details carefully

danger

Incorrect selection will cause execution failure

5. Enter Beneficiary Account Number
   • Use account from your bank

6. Click “OK”

7. Enter Transfer Amount
8. Click “Charge”

9. Card Authentication

   • Insert your bank card
   
   - Enter **PIN**
   
   - Click **“OK”**
   

10. Confirm Transfer Details

    • Verify all details
    • Click “CONFIRM”

11. Retrieve Receipt with RRN

📌 Key Transaction Details

Step	Field	Note
Account From	Saving / Current	Must match test case
Transfer Type	Transfer to Own Bank	IBFT1 requirement
Account To	Per test case	Check test case details
Beneficiary Account	Your bank account	From your institution
Card	Your bank card	From your institution

Step 2: Submit Test Case in Developer Portal

2.1 Navigate to Test Case

1. Return to PayNet Developer Portal
2. Open SAN Instant Transfer test suite

3. Scroll to Scenario 1 – ISS/BEN
4. Select the test case matching your transaction
5. Click the title

2.2 Submit RRN – Multi-Step Execution

1. Click “Test Execution” tab

2. You should see 2 steps

Step 1 – Submit RRN from Your Own System

1. Enter RRN from your own system in the First Step field

2. Click “Run Test Case”

3. Wait for validation to complete

Important

Step 1 must pass before Step 2 becomes available.

Step 2 – Submit RRN from Terminal Receipt

1. After Step 1 shows “Passed”
2. Enter RRN from terminal receipt in Second Step field
3. Click “Run Test Case”

4. Wait for step 2 validation

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

Completion Checklist

• Repeat Steps 1–2 for each test case in Scenario 1 – ISS/BEN
• Complete all account type combinations
• Ensure all test cases show “Passed”
• Review test logs for any failures