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IBFT2 – Acquirer / Beneficiary

This guide provides step-by-step instructions for Acquirer / Beneficiary institutions to test IBFT2 (Interbank Fund Transfer Scenario 2) transactions using your own terminals and the Developer Portal.

IBFT2 simulates instant transfer scenarios where funds are transferred from another bank to your institution via the SAN network infrastructure.

Who should use this: Banks, Non-Banks, TPA operating ATM networks and receiving funds acting as Acquirer / Beneficiary

Prerequisites​

ItemProvider
Your Own Terminal / ATMYour Organization
Test Card (BIN 9000 09XX)PayNet
Beneficiary Account NumberYour Organization
Developer Portal AccessPayNet
FIIDYour Organization

Step 1: Execute Transaction on Your Terminal​

1.1 Test Resources​

PayNet provides:

  • Test Card – Card with BIN range 9000 09XX XXXX XXXX

Your organization provides:

  • Terminal / ATM – Your own device
  • Beneficiary Account Number – Account from your organization
Note

Use the PayNet-provided test card with your own terminal and your organization's beneficiary account number.

1.2 Transaction Execution​

  1. Execute Interbank Fund Transfer transactions using your own terminal
  2. Follow your standard fund transfer procedures
  3. Use the PayNet-provided test card (9000 09XX XXXX XXXX)
  4. Transfer funds to your organization's beneficiary account number
  5. Complete the transaction
Important RRN Information
  • Fund Transfer RRN → Obtained from transaction receipt

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
test suite
  1. Scroll to Scenario 2 – ACQ/BEN
  2. Click the relevant test case title
test suite

2.2 Submit RRN​

  1. Click “Test Execution” tab
test suite
  1. Enter Fund Transfer RRN from transaction receipt in the Retrieval Reference Number field
  2. Click “Run Test Case”
test suite
  1. Wait for validation
test suite
Note

IBFT2 requires only Fund Transfer RRN.
This is a single-step validation.

2.3 Review Results​

  • Passed: Status badge displays a green Passed label
test suite
  • Failed: Click View Test Logs to identify the issue and error details
test suite

Step 3: Complete All Test Cases​

Completion Checklist​

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