Financial Process Exchange (FPX)

Features
Method	On the bank/wallet, Async - POST Redirect
Merchant countries	Malaysia
Consumer countries	Malaysia
Processing currencies	MYR
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	✅
Min Amount	The min amount depends on the type of service (B2C or B2B). For B2C: 1.01, for B2B: 2.01.
Account verification	-

Financial process exchange (FPX) is a payment service offered by Paynet in Malaysia that allows online payments using consumer authentication through their own banks.

Payment flow

FPX flow

Required constraints

The bank code needs to be specified.

Bank codes

Bank	paymentMethod.fpx.bank.code
Affin Bank	`affin_bank`
Affin Bank B2B	`affin_bank_business`
AffinMax	`affin_max_business`
AGRONet (Retail)	`agrobank`
AGRONetBIZ (Corporate)	`agrobank_business`
Alliance Bank (Personal)	`alliance_bank`
Alliance Bank (Business)	`alliance_bank_business`
AmBank	`ambank`
AmBank (Business)	`ambank_business`
Bank Islam	`bank_islam`
Bank Islam (B2B)	`bank_islam_business`
Bank Muamalat	`bank_muamalat`
Bank Muamalat (Business)	`bank_muamalat_business`
Bank of China	`bank_of_china`
Bank Rakyat	`bank_rakyat`
Bank Rakyat (Business)	`bank_rakyat_business`
Bank Simpanan Nasional	`bank_simpanan_nasional`
BNP Paribas Business	`bnp_paribas_business`
CIMB Clicks	`cimb_bank`
CIMB Bank (Business)	`cimb_bank_business`
Citibank Corporate Banking	`citibank_business`
Deutsche Bank Business	`deutsche_bank_business`
Hong Leong Bank	`hong_leong_bank`
HLB ConnectFirst	`hong_leong_bank_business`
HSBC Bank	`hsbc_bank`
HSBC Business Banking	`hsbc_bank_business`
Kuwait Finance House	`kuwait_finance_house`
KFH Business	`kuwait_finance_house_business`
Maybank2U	`maybank`
Maybank2E	`maybank_business`
OCBC Bank	`ocbc_bank`
OCBC Bank (Business)	`ocbc_bank_business`
Public Bank	`public_bank`
Public Bank (Business)	`public_bank_business`
Public Bank PB Enterprise	`public_bank_enterprise_business`
RHB Bank	`rhb_bank`
RHB Bank (Business)	`rhb_bank_business`
Standard Chartered Bank	`standard_chartered_bank`
Standard Chartered Business	`standard_chartered_bank_business`
UOB Bank	`united_overseas_bank`
UOB (Business)	`united_overseas_bank_business`
UOB Regional (Business)	`united_overseas_bank_regional_business`

Payments

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "amount": {
        "value": 200,
        "currency": "myr"
    },
    "paymentMethod": {
        "type": "fpx",
        "fpx": {
            "returnUrl": "https://merchant.site/complete-payment",
            "bank": {
                "code": "public_bank"
            }
        }
    }
}

Response

{
    "id": "27yid4NOKj243ewwNzNM8afxrzp",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "post",
            "url": "https://payment.method.bank/complete",
            "params": [
                {
                    "name": "param1",
                    "value": "value1"
                },
                {
                    "name": "param2",
                    "value": "value2"
                }
            ]
        }
    }
}

Payment flow​

Required constraints​

Bank codes​

Payments​

Request​

Response​