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IBFT4 – Acquirer

This guide provides step-by-step instructions for Acquirer institutions to test IBFT4 (Interbank Fund Transfer Scenario 4) transactions using your own ATM terminals and the Developer Portal.

IBFT4 simulates instant transfer scenarios where transactions are initiated from your ATM network and routed through the SAN infrastructure.

Who should use this: Banks, Non-Banks, TPA operating ATM networks as Acquirer

Prerequisites​

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

Step 1: Execute Transaction on Your Terminal​

1.1 Test Resources​

PayNet provides:

  1. Test Card (BIN 9000 09XX XXXX XXXX)
  2. Beneficiary Account Number (test destination account)

Your organization provides:

  1. Your own ATM / Terminal
Important

Use the PayNet-provided test card and beneficiary account number on your own terminal.

1.2 Interbank Fund Transfer Scenario 4 (IBFT4) Transaction​

Execute an Interbank Fund Transfer transaction using your own terminal following your standard fund transfer procedures.

Ensure the following:

  1. Use PayNet-provided test card (BIN 9000 09XX XXXX XXXX)
  2. Transfer funds to PayNet-provided beneficiary account
  3. Match account type and amount according to test case specification
  4. Select Transfer to Other Bank (IBFT4 requirement)
Critical

All transaction fields must match the test case exactly.
Mismatch will cause validation failure.

Important – Two RRNs Required​

You will obtain two RRNs during execution:

  • Beneficiary Inquiry RRN (Step 1) → Obtained from your own system
  • Fund Transfer RRN (Step 2) → Obtained from terminal receipt
Important

Both RRNs are mandatory for test case submission.

📌 Key Transaction Details​

StepFieldNote
Account FromSaving / CurrentMust match test case
Transfer TypeTransfer to Other BankIBFT4 requirement
Beneficiary BankPayNet Bank (Test Bank)From list
Account ToPer test caseCheck test case details
Beneficiary AccountPayNet providedFrom PayNet
CardPayNet provided (BIN 9000 09XX)From PayNet

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 4 – ACQ
  2. Click the relevant test case title
test suite

2.2 Submit RRNs (Two-Step Validation)​

You will see 2 steps in the Test Execution tab.

test suite

Step 1 – Submit Beneficiary Inquiry RRN​

  1. Enter Beneficiary Inquiry RRN (from your own system) in Step 1 field
  2. Click Run Test Case for Step 1
test suite
  1. Wait for validation
test suite
Critical

You must complete and pass Step 1 first, otherwise Step 2 cannot be run.

Step 2 – Submit Fund Transfer RRN​

  1. After Step 1 shows Passed
  2. Enter Fund Transfer RRN (from terminal receipt) in Step 2 field
  3. Click Run Test Case for Step 2
test suite
  1. Wait for validation
test suite
Note

This is a multi-step validation.
Step 2 is only enabled after Step 1 passes successfully.

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 4 – ACQ
  • Complete all account type combinations and amount ranges specified
  • Ensure all test cases show Passed
  • Review test logs for any failures