Introduction

PayMaster Merchant Plug-In (MPI) is a software module designed to facilitate merchants to conveniently pass the customer payment details to PayMaster for payment processing.

PayMaster MPI also allows merchants to easily customize the response message returned from PayMaster after settlement.

The payment types supported by PayMaster MPI include:

1. UPP Payment - Debit and credit cards
2. QR Payment - DuitNow and Alipay+
3. OBW Payment - Online Banking / Wallets
4. WooCommerce payment for WordPress
5. OpenCart payment gateway

The supported platforms of PayMaster MPI are:

1. Java
2. .Net
3. PHP
4. Python
5. Node.js

UPP Payment

Step	Sender	Receiver	Process
1	eCommerce	Merchant	Customer initiates payment check out via eCommerce.
2	Merchant	MyXaaS	Merchant sends request to activate PayMaster Payment Gateway.
3	MyXaaS	eCommerce	MyXaaS returns with a URL to eCommerce which will redirect Customer to the PayMaster Payment Gateway page.
4	eCommerce	MyXaaS	Customer enters payment details in PayMaster Payment Gateway and proceeds for payment.
5	MyXaaS	Merchant	MyXaaS returns the information and status of the payment.
6	Merchant	eCommerce	Merchant notifies Customer on the payment status via eCommerce.
7	MyXaaS	eCommerce	If the payment is processed successfully, MyXaaS will send an email notification to the Customer.
8	Merchant	MyXaaS	If the payment status is not received, Merchant proceeds to do payment query to retrieve the transaction information.
9	MyXaaS	Merchant	MyXaaS returns the query information of the payment.
10	Merchant	eCommerce	Merchant displays the query information to the customer.
11	eCommerce	MyXaaS	Customer submits scheduled payment.
12	MyXaaS	Merchant	MyXaaS returns the information and status of the payment.
13	Merchant	eCommerce	Merchant notifies Customer on the payment status via eCommerce.
14	MyXaaS	eCommerce	If the payment is processed successfully, MyXaaS will send an email notification to the Customer.

Pre-Authorization Payment

Step	Sender	Receiver	Process
1	eCommerce	Merchant	Customer initiates payment check out via eCommerce.
2	Merchant	MyXaaS	Merchant sends request to activate PayMaster Payment Gateway.
3	MyXaaS	eCommerce	MyXaaS returns with a URL to eCommerce which will redirect Customer to the PayMaster Payment Gateway page.
4	eCommerce	MyXaaS	Customer enters payment details in PayMaster Payment Gateway and proceeds for payment.
5	MyXaaS	Merchant	MyXaaS returns the information and status of the payment.
6	Merchant		Merchant stores the payment information for pre-authorization.
7	Merchant	eCommerce	Merchant displays pre-authorized payment status to the customer.
8	Merchant	MyXaaS	Merchant sends request to complete earlier payment.
9	MyXaaS	Merchant	MyXaaS returns the information and status of the payment completion.
10	Merchant	eCommerce	Merchant displays the payment completion status to the customer.

QR Payment

Dynamic QR

Step	Sender	Receiver	Process
1	eCommerce	Merchant	Customer initiates payment check out via eCommerce.
2	Merchant	MyXaaS	Merchant sends request to activate QR code information.
3	MyXaaS	Merchant	MyXaaS returns with a URL containing QR code information to Merchant.
4	Merchant	eCommerce	Merchant generates the QR code by following the brand guideline.
5	eCommerce	MyXaaS	Customer scan the QR code to proceed for payment.
6	MyXaaS	Merchant	MyXaaS returns the information and status of the payment.
7	Merchant	eCommerce	Merchant notifies Customer on the payment status via eCommerce.
8	MyXaaS	eCommerce	If the payment is processed successfully, MyXaaS will send an email notification to the Customer.
9	Merchant	MyXaaS	- If the payment status is not received within 30 seconds, Merchant proceeds to do payment query to retrieve the transaction information. - If the QR Payment Response is not received, Merchant should repeat the query every 5 seconds for a duration of up to 3 minutes, awaiting a successful or declined status. - If the 3-minute duration elapses without receiving a concrete status update (Approved or Failed), merchant shall abort the transaction
10	MyXaaS	Merchant	MyXaaS returns the query information of the payment.
11	Merchant	eCommerce	Merchant displays the query information to the customer.

Static QR

Step	Sender	Receiver	Process
1	MyXaaS	Merchant	MyXaaS provides Static QR code to Merchant.
2	Merchant	Customer	Merchant presents the Static QR code to Customer.
3	Customer	MyXaaS	Once the Customer scans the QR code, the payment will be received by MyXaaS.
4	MyXaaS	Merchant	MyXaaS routes the payment instruction to Merchant.
5	Merchant	Customer	Merchant does the subsequent process to complete the payment.

OBW Payment

Step	Sender	Receiver	Process
1	eCommerce	Merchant	Customer initiates payment check out via eCommerce.
2	Merchant	TPA	Merchant sends request to activate PayMaster Payment Gateway.
3	TPA	MyXaaS	TPA sends request for Bank Listing to MyXaaS.
4	MyXaaS	TPA	MyXaaS returns with Bank Listing to TPA.
5	TPA	eCommerce	TPA displays Bank Listing to Customer via eCommerce.
6	eCommerce	TPA	Customer chooses bank on eCommerce.
7	TPA	MyXaaS	TPA sends request to make OBW payment to MyXaaS.
8	MyXaaS	TPA	MyXaaS returns OBW payment response to TPA.
9	TPA	eCommerce	TPA displays payment gateway to Customer via eCommerce.
10	eCommerce	TPA	Customer submits payment on the eCommerce.
11	TPA	eCommerce	If payment is successful, TPA displays to customer via eCommerce.
12	TPA	MyXaaS	In case the transaction is awaiting settlement, it is advisable to conduct re-queries at 30-second intervals for a duration of up to 3 hours.
13	MyXaaS	TPA	MyXaaS returns the query information of the payment.
14	TPA	eCommerce	TPA displays the query information to customer via eCommerce.

WooCommerce

Step	Sender	Receiver	Process
1	eCommerce	Merchant	Customer initiates payment check out via eCommerce.
2	Merchant	MyXaaS	Merchant sends request to activate PayMaster Payment Gateway.
3	MyXaaS	eCommerce	MyXaaS returns with a URL to eCommerce which will redirect Customer to the PayMaster Payment Gateway.
4	eCommerce	MyXaaS	Customer enters payment details in PayMaster Payment Gateway and proceeds for payment.
5	MyXaaS	Merchant	MyXaaS returns the information and status of the payment.
6	Merchant	eCommerce	Merchant notifies Customer on the payment status via eCommerce.
7	MyXaaS	eCommerce	If the payment is processed successfully, MyXaaS will send an email notification to the Customer.
8	eCommerce	MyXaaS	Customer submits scheduled payment.
9	MyXaaS	Merchant	MyXaaS returns the information and status of the payment.
10	Merchant	eCommerce	Merchant notifies Customer on the payment status via eCommerce.
11	MyXaaS	eCommerce	If the payment is processed successfully, MyXaaS will send an email notification to the Customer.

OpenCart

Step	Sender	Receiver	Process
1	eCommerce	Merchant	Customer initiates payment check out via eCommerce.
2	Merchant	MyXaaS	Merchant sends request to activate PayMaster Payment Gateway.
3	MyXaaS	eCommerce	MyXaaS returns with a URL to eCommerce which will redirect Customer to the PayMaster Payment Gateway.
4	eCommerce	MyXaaS	Customer enters payment details in PayMaster Payment Gateway and proceeds for payment.
5	MyXaaS	Merchant	MyXaaS returns the information and status of the payment.
6	Merchant	eCommerce	Merchant notifies Customer on the payment status via eCommerce.