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IBFT3 – Acquirer / Issuer

This guide provides step-by-step instructions for Acquirer / Issuer institutions to test IBFT3 (Interbank Fund Transfer Scenario 3) transactions using your own terminals and the Developer Portal.

IBFT3 simulates instant transfer scenarios where transactions are initiated from your terminal and card, transferring funds via the SAN network infrastructure.

Who should use this: Banks, Non-Banks, TPA operating ATM networks and issuing cards acting as Acquirer / Issuer

Prerequisites​

ItemProvider
Your Own Terminal / ATMYour Organization
Test Card (Issuing Card)Your Organization
Beneficiary Account NumberPayNet
Developer Portal AccessPayNet
FIIDYour Organization

Step 1: Execute Transaction on Your Terminal​

1.1 Test Resources​

PayNet provides:

  • Beneficiary Account Number – Test account for fund transfer destination

Your organization provides:

  • Terminal / ATM – Your own device
  • Issuing Card – Card from your organization
Note

Use your own terminal and issuing card to transfer funds to the PayNet-provided 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 your organization's issuing card
  4. Transfer funds to the PayNet-provided beneficiary account number
  5. Complete the transaction
Important RRN Information
  • Beneficiary Inquiry RRN → Obtained from your own system

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 3 – ACQ/ISS
  2. Click the relevant test case title
test suite

2.2 Submit RRN​

  1. Click “Test Execution” tab
test suite
  1. Enter Beneficiary Inquiry RRN from your own system in the Retrieval Reference Number field
  2. Click “Run Test Case”
test suite
  1. Wait for validation
test suite
Note

IBFT3 requires only Beneficiary Inquiry 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 3 – ACQ/ISS
  • 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