Full card-scheme acceptance across domestic and international networks, from a single acquirer integration.
idataraya builds acquirer-side card integrations covering MyDebit, Visa, Mastercard, UnionPay, and American Express. MyDebit settles intra-Malaysia debit transactions at lower interchange than international debit schemes, making domestic routing a meaningful cost lever. EMV chip, contactless (NFC), and 3D Secure 2.x are implemented at the integration layer so your POS and online checkout share the same compliance posture. Card PAN is never stored in plain text: tokenization replaces it at the point of entry and the token follows the transaction through settlement and reconciliation.
Card acceptance in Malaysia spans five schemes with different interchange rates, settlement timelines, and compliance requirements. A single acquirer integration handles all of them without separate gateway contracts per scheme.
Transactions on MyDebit-enabled cards are routed over the domestic network when the merchant category and amount qualify, avoiding international scheme interchange. The routing decision is made automatically per transaction.
Card PAN is captured once and immediately replaced with a scheme or acquirer token. The token is what flows through your POS, your order records, and your reconciliation files. PAN never reaches your application database.
3D Secure 2.x is implemented for Visa Secure and Mastercard Identity Check flows. Liability shift applies on authenticated transactions. Challenge and frictionless flows are both handled, with fallback logic for issuers that respond with 3DS 1.x.
Each card scheme delivers a separate settlement file on its own schedule. The reconciliation engine matches your transaction log against Visa, Mastercard, MyDebit, UnionPay, and AmEx files independently, surfaces discrepancies by scheme, and produces a single consolidated daily report.
Working production integration covering MyDebit, Visa, Mastercard, UnionPay, and American Express, tested with sandbox and live credentials against the acquirer's certification suite.
PCI DSS-aligned token vault replacing PAN at capture. Tokens are scoped to your merchant and reusable for card-on-file flows where the cardholder has consented.
Frictionless and challenge flow handling for Visa Secure and Mastercard Identity Check, with fallback to 3DS 1.x for legacy issuer compatibility.
Daily reconciliation across all five schemes with discrepancy reporting, chargeback tracking, and a consolidated financial summary.
The DuitNow rail family covers QR acceptance, account-to-account transfers, and recurring direct debit in a single integration layer.
ExploreFPX connects your checkout to Malaysia's online banking network, covering both B2C and B2B bank accounts.
ExploreRENTAS is Malaysia's real-time gross settlement system for high-value interbank transfers, settling each instruction individually and irrevocably on the same business day.
ExploreIBG (Interbank GIRO) is the batch interbank rail for lower-cost, non-urgent transfers, suited to payroll runs, supplier batch payments, and scheduled disbursements.
ExploreJomPAY 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.
ExploreAll major Malaysian e-wallets accepted through one callback contract, backed by aggregator or direct integration.
ExploreBNPL acceptance at POS and online checkout, integrated into the same orchestration layer as cards and QR.
ExploreEvery physical acceptance form factor, driven from the same merchant tooling and settlement pipeline.
ExploreSubscription and instalment billing on card-on-file and DuitNow AutoDebit, with full lifecycle management.
ExploreThe integration architecture choice that determines per-transaction cost, operational control, and time to add a new payment rail.
ExploreBook a discovery call. We will walk through how this fits your business, scope, timeline, and what you will get at the end.
