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 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

Required constraints

The bank code needs to be specified.

Bank codes

Bank	paymentMethod.fpx.bank.code
Affin Bank	affin_bank
Affin Max	affin_max
Agrobank	agrobank
Alliance Bank	alliance_bank
AmBank	ambank
Bank Islam	bank_islam
Bank Muamalat	bank_muamalat
Bank Of China	bank_of_china
Bank Rakyat	bank_rakyat
Bank Simpanan Nasional	bank_simpanan_nasional
BNP Paribas	bnp_paribas
CIMB Bank	cimb_bank
Citibank	citibank
Deutsche Bank	deutsche_bank
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
Public Bank Enterprise	public_bank_enterprise
RHB Bank	rhb_bank
Standard Chartered Bank	standard_chartered_bank
United Overseas Bank	united_overseas_bank
United Overseas Bank Regional	united_overseas_bank_regional

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"
                }
            ]
        }
    }
}