Introduction

Retail Payment Gateway (RPG) system provides the functionalities needed to connect Partner’s system to PayNet RPP Host to perform DuitNow Credit Transfer.

DuitNow Credit Transfer can perform “Pay To Account” or “Pay To Proxy”.

“Pay To Account” is credit transfer into beneficiary’s account using the account number (account type can be CASA account, credit/debit/prepaid card account or Loan account).

“Pay To Proxy” is DuitNow transfer which allows fund transfer to individuals and other businesses, without the need of bank or bank account details, by simply using a NRIC, Passport number, Police/Army ID, Mobile number or Business Registration Number (BRN) on real-time basis.

DuitNow Credit Transfer

Transfer by Account Number

Step	Sender	Receiver	Process
1	Startup	MyXaaS	Startup sends enquiry request to MyXaaS in order to enquire the recipient account information.
2	MyXaaS	Startup	MyXaaS responds with the request status and the account info requested.
3	Startup	MyXaaS	Startup sends request for instruction of the payment transfer via Credit Transfer.
4	MyXaaS	Startup	MyXaaS responds with the payment status back to Startup.

Transfer by DuitNowID

Step	Sender	Receiver	Process
1	Startup	MyXaaS	Startup sends enquiry request to MyXaaS in order to enquire the recipient DuitNow ID.
2	MyXaaS	Startup	MyXaaS responds with the request status and the account info requested.
3	Startup	MyXaaS	Startup sends request for instruction of the payment transfer via DuitNow Transfer.
4	MyXaaS	Startup	MyXaaS responds with the payment status back to Startup.

Transaction and Account Enquiry

Transaction Status Enquiry

Step	Sender	Receiver	Process
1	Startup	MyXaaS	Startup sends enquiry request with the same Sender Reference Number of the DuitNow / Credit Transfer request in order to retrieve the payment transfer status.
2	MyXaaS	Startup	MyXaaS responds with the credit transfer status.

Account Balance Enquiry

Step	Sender	Receiver	Process
1	Startup	MyXaaS	Startup sends enquiry to retrieve Account Balance.
2	MyXaaS	Startup	MyXaaS responds with the Account Balance after the last transaction.

Callback Status Update

Step	Sender	Receiver	Process
1	MyXaaS	Startup	MyXaaS initiates a callback status update to Startup in the event of callback or refund.