Financial Process Exchange (FPX)

Features
Method	On the bank/wallet, Async - POST Redirect
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 consumer bank and the type of service (B2B or B2C)
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

Required constraints

The bank code needs to be specified.

Bank codes

Bank	paymentMethod.fpx.bank.code
Affin Bank	affin_bank
Alliance Bank	alliance_bank
Agrobank	agrobank
AmBank	ambank
CIMB Bank	cimb_bank
Bank Islam	bank_islam
Bank Rakyat	bank_rakyat
Bank Muamalat	bank_muamalat
Bank Simpanan Nasional	bank_simpanan_nasional
Hong Leong Bank	hong_leong_bank
HSBC Bank	hsbc_bank
Kuwait Finance House	kuwait_finance_house
Maybank	maybank
OCBC Bank	ocbc_bank
Public Bank	public_bank
RHB Bank	rhb_bank
Standard Chartered Bank	standard_chartered_bank
United Overseas Bank	united_overseas_bank

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"
                }
            ]
        }
    }
}