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idataraya
idataraya

Solutions. Built end to end, by one team.

Beyond our own products, idataraya takes on engagements where one accountable engineering team designs, builds, ships, and operates the whole stack. Pick a category below to see the work we do.

Data engineering.

4 solutions.

Analytics & strategy.

3 solutions.

AI & automation.

3 solutions.

Cloud & infrastructure.

4 solutions.

Custom software.

3 solutions.

Product engineering.

2 solutions.

Commerce & payments.

3 solutions.

Operations & logistics.

3 solutions.

Operations.

3 solutions.

Security & identity.

1 solution.

Payment infrastructure.

11 solutions.

DuitNow

The DuitNow rail family covers QR acceptance, account-to-account transfers, and recurring direct debit in a single integration layer.

Explore
MYR 120.00Order #DNQ-4491
Choose payment method
DuitNow QR
FPX Online banking
Touch 'n Go eWallet
GrabPay
Boost
ENBMT+0, QR, Transfer, AutoDebit

FPX

FPX connects your checkout to Malaysia's online banking network, covering both B2C and B2B bank accounts.

Explore
MYR 318.00Order #FPX-3390
Choose payment method
FPX Online banking
DuitNow QR
Touch 'n Go eWallet
Cards
ENBMB2C and B2B, T+1 settlement

RENTAS

RENTAS is Malaysia's real-time gross settlement system for high-value interbank transfers, settling each instruction individually and irrevocably on the same business day.

Explore
RENTAS disbursementH2H instruction to confirmed credit
Running
Payment requestyour systemFormatBNM structureRTGS queueBNM processesSettledT+0 grossConfirmeddebit advice
Same-day finality, irrevocable on confirmation

IBG

IBG (Interbank GIRO) is the batch interbank rail for lower-cost, non-urgent transfers, suited to payroll runs, supplier batch payments, and scheduled disbursements.

Explore
KDS · Live
  • Batch IBG-2026-060101412 records submitted
  • Cutoff14:00 MYT, on time
  • Credit advices409 matched, 3 exceptions
IBG H2H, batch submission feed

JomPAY

JomPAY is Malaysia's standardised bill payment rail, letting customers pay any registered biller from their bank's online or mobile banking app using a biller code.

Explore
JOMPAY, todayBiller receipt feed
Verified
  • INV-20041, MYR 450Auto-matched, AR posted
  • INV-20038, MYR 1,200Auto-matched, AR posted
  • INV-20035, MYR 88Unresolvable ref, queued
  • Net receivedMYR 12,840, 318 txns
97.2% auto-match, 9 items in review queue

Card networks

Full card-scheme acceptance across domestic and international networks, from a single acquirer integration.

Explore
MYR 312.50Order #CRD-7041
Choose payment method
Cards
DuitNow QR
FPX Online banking
ENBMMyDebit routed domestic, lower interchange

E-wallets

All major Malaysian e-wallets accepted through one callback contract, backed by aggregator or direct integration.

Explore
MYR 74.90Order #EWL-3814
Choose payment method
Touch 'n Go eWallet
GrabPay
Boost
DuitNow QR
FPX Online banking
ENBMAggregator-backed, one callback contract

Buy now, pay later

BNPL acceptance at POS and online checkout, integrated into the same orchestration layer as cards and QR.

Explore
BNPL payment lifecycleSelection to merchant settlement
Running
BNPL selectedat checkoutProvider flowapprovalCallbackapprovedOrder confirmedmerchant sideSettleT+1 to T+3
Provider collects consumer instalments independently

EDC terminals and Soft POS

Every physical acceptance form factor, driven from the same merchant tooling and settlement pipeline.

Explore
KDS · Live
  • Visa, contactlessApproved, 1.8s
  • MyDebit, chipApproved, 2.4s
  • Settlement batch1,836 txns queued
ECR terminal, counter 1, OUTLET-04

Recurring billing

Subscription and instalment billing on card-on-file and DuitNow AutoDebit, with full lifecycle management.

Explore
Recurring billing cycleCard-on-file and AutoDebit
Running
Sign-upconsent and tokenFirst paymentT+0Billing cyclescheduledRetry or dunningon failureSettleT+1 per rail
Both rails reconciled in one daily billing report

Host-to-host and aggregator integration

The integration architecture choice that determines per-transaction cost, operational control, and time to add a new payment rail.

Explore
Integration model selectionH2H vs 3P per rail
Running
Rail assessmentvol and feeModel decisionH2H or 3PIntegration buildcertifiedSettlement wiredraw or normalised
Migration boundary built in from day one

Not sure which fits? Start with the problem.

Book a call and we will map the stack you actually need, not the one that happens to match a service line.