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IBFT4 – Beneficiary

This guide provides step-by-step instructions for Beneficiary institutions to test IBFT4 (Interbank Fund Transfer Scenario 4) transactions using PayNet-provided terminals and the Developer Portal.

IBFT4 simulates instant transfer scenarios where customers transfer funds to accounts at your institution using the SAN network infrastructure.

Who should use this: Banks, Non-Banks, TPA, EMI, Digital Banks receiving funds as Beneficiary

Prerequisites

Item	Provider
PayNet Terminal	PayNet
Login Credentials	PayNet
Test Card (BIN 9000 09XX)	PayNet
Beneficiary Account Number	Your Organization
Developer Portal Access	PayNet
FIID	Your Organization

Step 1: Execute Transaction on PayNet Terminal

Open PayNet ATM application

Enter Email and Password provided by PayNet

Click Login

1.2 Interbank Fund Transfer Scenario 4 (IBFT4) Transaction

Click “Fund Transfer”

Select Account Type to Transfer From
- Saving
- Current

Important

Match this selection with your test case title

Select transfer type → Transfer to Other Bank (IBFT4 requirement)
Select Beneficiary Bank
- Scroll through the bank list
- Select your own bank (from your organization)
- Click Confirm

Click Confirm

Select Account Type to Transfer To
- Review your test case details
- Select according to test case specification

Critical

Incorrect selection will cause execution failure.

Enter Beneficiary Account Number
- Use account number from your organization
- Click OK

Enter Transfer Amount
- Click Charge

Card Authentication
- Insert PayNet-provided card (BIN 9000 09XX XXXX XXXX)

Enter PIN

Click OK

Confirm transfer details:
- Beneficiary Name
- Beneficiary Bank
- Account Number
- Amount
- Click CONFIRM

Retrieve Receipt with RRN

Important – Two RRNs Required

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

📌 Key Transaction Details

Step	Field	Note
Account From	Saving / Current	Must match test case
Transfer Type	Transfer to Other Bank	IBFT4 requirement
Beneficiary Bank	Your own bank	From your organization
Account To	Per test case	Check test case details
Beneficiary Account	Your organization	From your institution
Card	PayNet provided (BIN 9000 09XX)	From PayNet

Step 2: Submit Test Case in Developer Portal

2.1 Navigate to Test Case

Return to PayNet Developer Portal
Open SAN Instant Transfer test suite

Scroll to Scenario 4 – BEN
Click the relevant test case title

2.2 Submit RRNs (Two-Step Validation)

You will see 2 steps in the Test Execution tab.

Step 1 – Submit Beneficiary Inquiry RRN

Enter Beneficiary Inquiry RRN from your own system in Step 1 field
Click Run Test Case for Step 1

Wait for validation

Critical

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

Step 2 – Submit Fund Transfer RRN

After Step 1 shows Passed
Enter Fund Transfer RRN from terminal receipt in Step 2 field
Click Run Test Case for Step 2

Wait for validation

Note

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

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IBFT4 – Beneficiary

Prerequisites

Step 1: Execute Transaction on PayNet Terminal