Payment Solutions – Paynet
The iMocha Vizardry Unified RPP Payment Suite, hosts and runs all seven PayNet RPP DuitNow services for a participating bank: two from RPP 1 and five from RPP 2. It also caters for the previous FPX (B2C and B2B), Jompay and Direct Debit services.
Vizardry Unified Payments Suite for Paynet Payments
PayNet (Payments Network Malaysia) runs the Real-Time Retail Payments Platform (RPP), Malaysia’s national real-time payment infrastructure, and markets its services under the DuitNow brand. Banks, payment gateways and e-wallet providers connect as participants.
DuitNow Transfer
24/7 real-time transfers between participating banks and e-wallets, by account number or DuitNow ID such as mobile number, MyKad, passport, army or police number, or business registration number.
DuitNow QR
Malaysia's national QR standard, one code accepted across banks and e-wallets, with cross-border QR links to several regional neighbours.
DuitNow Consent
Customer-managed mandates, approved and controlled in the customer's own banking or wallet app.
DuitNow AutoDebit
Recurring or one-off merchant debits checked against a consent in real time, a modern alternative to traditional direct debit.
DuitNow Online Banking & Wallets
Online merchant payments authorised by signing in to a bank or e-wallet.
DuitNow Pay / PayNet Checkout
PayNet's merchant checkout experience for account-to-account payments.
DuitNow Request
Request to pay: a business sends a payment request, the customer approves or rejects it in their app.
FPX (B2C, B2B, Exchange)
Merchant payments with option for TPA.
Jompay
Bill payment services.
Direct Debit
Recurring payments for mandate driven collection services.
Platform Diagram
Every DuitNow service sits on the same hub, common services and integration layer, so adding the next PayNet service reuses what is already live.
Core idea: instead of one application per service, every service reuses a common hub for PayNet connectivity, message processing, security and signing, status management, exceptions, monitoring, reconciliation, reporting, audit and Back Office administration. Each service keeps its own business rules on top.
Value proposition: one platform for RPP 1, RPP 2 and traditional Paynet services using reusable payment components, centralised operations, simplified integration, scalable architecture, reduced long-term complexity and a future-ready payment foundation.
Delivery waves : common platform foundation, then RPP 1 (Transfer and QR), then consent-based payments (Consent and AutoDebit), then DOBW, then PayNet Checkout, then Request to Pay. Waves can run in parallel depending on bank priorities and PayNet readiness.
Malaysian paynet Payment Solutions
This payment suite comprises of all key digital payment offerings from PayNet in Malaysia. This platform is targetted to serve banks and payments processes.
- DuitNow Transfer
- DuitNow QR
- DuitNow Consent
- DuitNow AutoDebit
- DuitNow Online Banking & Wallets (DOBW)
- DuitNow Pay / PayNet Checkout (PNCO)
- DuitNow Request to Pay (RTP)
- Digital Banking ready
- Flexible Seller/Merchant Reports
- Transaction Authorisation workflow
- 2-factor authentication
- Straight-through processing
- Merchant onboarding and TPA exchange capaibility
- High-volume transactions
- Seller Bank features
- Mandate maintenance & validation engine
- Comprehensive reporting (for Seller & Bank)
Vizardry Unified RPP Payment Suite
One payment suite for every PayNet payment service.
The common processing and operations layer that connects your channels and core systems to PayNet RPP, so each new DuitNow service plugs into proven foundations.
Key features
- Transaction orchestration across channels, bank systems and PayNet
- Business, transaction and message validation before processing
- Routing by service and transaction type
- PayNet message generation, signing, verification and response handling
- End-to-end correlation of channel, hub, core banking and PayNet references
- Controlled handling of failed, rejected, pending, timed-out and uncertain transactions
- Central Back Office for monitoring, search, enquiry, reporting and administration
- High availability and disaster recovery, with SIT, UAT, Production and DR environments
- On-premise, on-cloud and hosted options
RPP Payment Hub engine; PayNet integration layer; enterprise integration layer (core banking, CIF, fraud and risk, notifications, GL, reporting, IAM, SIEM); security services (TLS, message signing, key and certificate management, role-based access); reconciliation engine; reporting and audit; Back Office.
DuitNow Transfer
Instant transfers to any bank, by account or DuitNow ID.
Send and receive funds in real time with any DuitNow participant, using an account number or a registered DuitNow ID.
Key features
- Outbound and inbound real-time transfers, as sending and receiving participant
- Beneficiary name check before the customer authorises
- DuitNow ID proxy resolution: mobile number, MyKad, passport, army or police number, business registration number
- Proxy registration, maintenance, activation, suspension, amendment and transfer between institutions
- Retail and business or corporate transfers
- Account, balance, limit and fraud checks before posting
DuitNow Transfer module; proxy resolution service; core banking debit and credit posting; fraud and risk integration; common hub services.
DuitNow QR
Scan, pay, done: QR payments on the national standard.
Let customers pay any DuitNow QR merchant from your app, with the merchant shown for confirmation before payment.
Key features
- Merchant-presented QR: the customer scans the merchant's code
- Customer-presented QR: the merchant scans a code from your app (optional scope)
- Static QR (customer enters amount) and dynamic QR (amount and reference embedded)
- QR parsing and data validation
- Merchant name and details shown before authorisation
- Account, balance, limit and fraud checks, with real-time confirmation to customer and merchant
DuitNow QR module; QR parser and validator; channel QR scanner integration; common hub services.
DuitNow Consent
Customer-controlled mandates, managed in one registry.
Register, approve and manage the consents that power recurring and merchant-initiated DuitNow payments.
Key features
- Consent registration, approval and rejection in the bank's channel
- Central Consent Registry with full status history
- Maintenance, suspension, reactivation, cancellation and revocation
- Automatic expiry management
- Customer authentication before any consent decision
- Real-time consent validation for AutoDebit
DuitNow Consent module; Consent Registry; authentication integration; common hub services.
DuitNow AutoDebit
Recurring collections, backed by real-time consent checks.
Process merchant-initiated debits against a customer's approved consent, with every debit traceable to its mandate.
Key features
- Incoming AutoDebit request processing from PayNet
- Consent and merchant validation against the Consent Registry
- Customer, account and balance validation
- Debit posting to core banking
- Duplicate transaction control
- Timeout and uncertain-outcome handling
DuitNow AutoDebit module; Consent Registry link; core banking debit integration; common hub services.
DuitNow Online Banking & Wallets
Online checkout, authorised in your own banking app.
Let customers pay online merchants by signing in to your bank or wallet and approving the payment in a journey you control.
Key features
- Payment initiation from online merchants and bank selection routing
- Redirect to the bank's channel for authentication
- Payment details and account selection shown to the customer
- Customer authorisation, rejection or cancellation
- Account, balance, limit and fraud checks, then core banking debit
- Result returned and customer redirected to the merchant
- Duplicate control and timeout handling
DOBW module; channel authentication and redirect integration; core banking debit integration; common hub services.
DuitNow Pay / PayNet Checkout
Account-to-account payments from PayNet Checkout.
Accept payments that customers start in PayNet Checkout and complete with your bank's authentication and accounts.
Key features
- PayNet Checkout integration and DuitNow Pay processing
- Merchant payment initiation and customer payment journey
- Bank authentication, payment details and account selection
- Customer authorisation, rejection or cancellation
- Account, balance, limit and fraud checks, then core banking debit
- Payment result and merchant redirect
- Duplicate control and timeout handling
DuitNow Pay / PNCO module; PayNet Checkout integration; core banking debit integration; common hub services.
DuitNow Request to Pay (RTP)
Payment requests customers can approve in one tap.
Receive payment requests from billers and businesses, show them in your app, and pay on approval.
Key features
- Incoming request receipt, validation and customer identification
- Push notification and in-app request presentation
- Customer approval or rejection, with account selection
- Authentication and payment authorisation
- Expiry, cancellation and duplicate request control
- End-to-end link between the request, the customer decision and the payment
DuitNow RTP module; request lifecycle manager; RTP-to-payment correlation; notification integration; common hub services.
