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DuitNow

Country: Malaysia (MY)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 80%

DuitNow is Malaysia's national real-time instant transfer and QR payment standard operated by PayNet and Bank Negara Malaysia.

🔄 User Payment Flow

  1. Customer selects DuitNow QR at merchant checkout
  2. Checkout presents dynamic DuitNow QR code
  3. Customer opens any Malaysian banking app or e-wallet to scan QR code
  4. Customer confirms payment in mobile banking app
  5. DuitNow clears funds in real time and notifies merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment creation API to request DuitNow QR payload
  • PSP generates PayNet compliant DuitNow QR string
  • PSP receives DuitNow instant clearing callback and updates order status