DuitNow Malaysia Instant Payment API
DuitNow Malaysia instant payment infrastructure API (via PayNet and participating Malaysian banks) for businesses to accept and initiate real-time account-to-account transfers using DuitNow QR codes, DuitNow Transfer (proxy-based payment by mobile/IC number), and DuitNow Online Banking/Wallets (DOBW) for e-commerce checkout, enabling 24/7 instant payment across all Malaysian bank accounts and e-wallets. Enables AI agents to manage DuitNow QR code generation for Malaysia QR payment collection automation, handle DuitNow Transfer initiation for Malaysia proxy-based payment automation, access DOBW payment initiation for Malaysia e-commerce checkout automation, retrieve payment status confirmation for Malaysia instant transfer automation, manage dynamic QR for variable-amount Malaysia payment automation, handle static QR for fixed-amount Malaysia payment collection automation, access transaction inquiry for Malaysia payment reconciliation automation, retrieve refund initiation for Malaysia payment reversal automation, manage merchant registration for DuitNow merchant onboarding automation, and integrate DuitNow with Malaysian e-commerce, POS, and banking platforms for end-to-end Malaysia instant payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
National payment infrastructure. BNM-regulated. OAuth2. MY. Bank transfer data.
⚡ Reliability
Best When
A Malaysian merchant, bank, or payment service provider wanting AI agents to automate DuitNow QR, transfer, and online banking payment acceptance across all Malaysian bank accounts through PayNet's national instant payment infrastructure.
Avoid When
ACCESS IS THROUGH PARTICIPATING BANKS AND PSPs: DuitNow API access is not direct to PayNet; automated merchant must integrate via an acquiring bank or licensed PSP (CIMB, Maybank, PayNet-licensed acquirer); automated direct PayNet API access without acquiring bank creates no integration path. DUITNOW QR STANDARDS ARE EMVCO-BASED: DuitNow QR follows EMVCo QR code standard with PayNet-specific extensions; automated QR generation must follow exact EMVCo/PayNet QR spec; automated non-spec QR creates unreadable QR by banking apps. PAYMENT NOTIFICATION IS BANK-SPECIFIC: DuitNow payment notification delivery varies by acquiring bank implementation; automated payment confirmation must use acquiring bank's notification mechanism; automated direct PayNet notification assumption creates missed payment events. REFUND TIMING DEPENDS ON BANK: DuitNow refund processing time varies by sending bank's processing schedule; automated refund communication must reflect bank-side timing; automated instant refund assumption creates customer expectation mismatch.
Use Cases
- • Generating DuitNow QR codes for Malaysia e-commerce checkout agents
- • Initiating DuitNow Transfer by mobile number from Malaysian payment agents
- • Accepting DOBW online banking payments from Malaysia merchant checkout agents
- • Reconciling DuitNow transactions from Malaysia payment analytics agents
Not For
- • Non-Malaysia payments (DuitNow is Malaysia-only PayNet infrastructure)
- • International cross-border transfers (DuitNow is domestic MYR only)
- • Card payment processing (DuitNow is account-to-account bank transfer)
Interface
Authentication
DuitNow uses OAuth 2.0 via participating bank or PSP integration. REST API with JSON. Operated by PayNet (Payments Network Malaysia Sdn Bhd), owned by Bank Negara Malaysia and 11 Malaysian banks. National instant payment infrastructure. Products: DuitNow Transfer, DuitNow QR, DuitNow Online Banking/Wallets (DOBW), DuitNow AutoDebit (direct debit), Request to Pay. BNM-regulated. Available 24/7. Covers all Malaysian banks and major e-wallets.
Pricing
Kuala Lumpur MY. PayNet/BNM infrastructure. Per-transaction pricing set by acquiring bank. BNM regulated.
Agent Metadata
Known Gotchas
- ⚠ NO DIRECT PAYNET API — GOES THROUGH ACQUIRER: DuitNow access requires integration with a PayNet-licensed acquiring bank or PSP (not PayNet directly); automated merchant integration must engage Maybank, CIMB, or a licensed PSP; automated direct PayNet access attempt creates no integration path available
- ⚠ DUITNOW QR MUST FOLLOW EMVCO SPEC: DuitNow QR encoding follows EMVCo QR Code Specification for Payment Systems with PayNet extensions; automated QR generation must use exact field mapping; automated custom QR encoding creates unreadable QR by Malaysian banking apps
- ⚠ DOBW PAYMENT REDIRECTS TO BANK: DuitNow Online Banking/Wallets (DOBW) redirects user to their bank app for authentication; automated checkout must redirect to bankURL; automated server-side payment without redirect creates no payment initiation
- ⚠ DUITNOW AUTODEBIT REQUIRES MANDATE: DuitNow AutoDebit (recurring debit) requires consumer to sign mandate before debit initiation; automated recurring debit must complete mandate registration first; automated debit without mandate creates mandate_not_found rejection
- ⚠ TRANSACTION INQUIRY RESPONSE TIMING: DuitNow transaction inquiry may return PENDING for seconds after payment confirmed; automated immediate post-payment inquiry may return pending before confirmed; automated fulfillment on PENDING status creates premature fulfillment before confirmed
Alternatives
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Scores are editorial opinions as of 2026-03-07.