PayNet Developer Documentation
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Network Administration
Manages the signing on/off and echo processes with the DuitNow system, ensuring smooth operation and reliable service delivery.
National Addressing Database
Enables users to register and link their accounts to a proxy of their choice, e.g. mobile number, NRIC etc., for easier identification and fund transfers.
Transfer
A fast, convenient instant credit transfer service designed for seamless integration into digital banking channels. Supports account numbers and proxies like mobile numbers, NRICs etc.
Online Banking / Wallet
A real-time online payment service which enables payers to transact securely with merchants via their internet and mobile banking, or e-payment application.
QR - Merchant Presented Mode
QR - Consumer Presented Mode
Consent
Enables customers to grant permission to merchants to perform future ad-hoc or recurring payment collections based on the various criteria established in a Consent.
Reversal
This service allows the Acquirer to issue reversals to the Issuer and Customer when there's a refund request for a dispute or transaction timeout.
AutoDebit
A convenient and instant payment collection method for merchants to collect funds from payers with pre-established Consents in place.
Request
A service that allows recipients to send real-time digital payment requests to collect funds from a payer via their account number or registered proxy.
DuitNow Pay
DuitNow Pay provides a single API that consolidates multiple online payment channels, enabling customers to select the option they trust most at checkout.
Biller Notification System (BNS)
JomPAY's billing notification system allows billers to receive real-time or batch alerts when customers make payments.
Biller Registration System (BRS)
The Biller Registration System (BRS) is an online service hosted by PayNet as part of the NBPS. It allows Biller Banks to validate and notify successful biller registrations through 24/7 web-service calls, enabling faster registration processing.
Biller Validation Module (BVM)
The Biller Validation Module (BVM) is an online service by PayNet within NBPS. It lets Payer Banks validate and confirm bill payments through 24/7 web-service calls, supporting seamless bill payment transactions.
Secure Card Not Present (CNP)
MyDebit CNP enables secure online and in-app transactions using MyDebit cards, even when the cardholder isn’t physically present. It uses EMV 3-D Secure to authenticate payments and protect against fraud in e-commerce.
Tokenisation
Allows issuers to manage the digital issuance of tokenized MyDebit payment credentials.
Business To Customer (B2C)
Fast and conveinient way that allows individual customers to make payments for online purchases directly from their bank accounts, providing a convenient and reliable payment.
Business To Business Model 1 (B2B1)
Enables businesses customers to make one-time payments directly from their bank accounts, providing a convenient and reliable payment option for e-commerce transactions.
Business To Business Model 2 (B2B2)
Enables businesses customers to initiate payments automatically in batches to FPX. Larger organizations can thus link their internal accounting system to FPX.