The DuitNow rail family covers QR acceptance, account-to-account transfers, and recurring direct debit in a single integration layer.
DuitNow encompasses three distinct rails: QR for merchant-presented and customer-presented scan-to-pay, Transfer for real-time account-to-account settlement addressed by NRIC, phone number, or business registration number, and AutoDebit for recurring direct debit mandates. idataraya integrates each rail through host-to-host connectivity with the issuing bank or via a licensed third-party aggregator, depending on the merchant's volume and compliance posture. Settlement on DuitNow Transfer and QR is T+0 for the receiving account. Mandate management for AutoDebit, including registration, amendment, and cancellation flows, is handled programmatically through the integration layer.
DuitNow QR, Transfer, and AutoDebit each have different flows, callback contracts, and settlement cycles. The integration layer normalises them behind a single API so your application handles one event shape regardless of which rail completed the transaction.
Merchant-presented QR is generated on the POS or checkout screen, scanned by the customer's banking app, and confirmed via webhook. Customer-presented QR reads the customer's app code at the terminal. Both modes settle T+0 and share the same reconciliation feed.
DuitNow Transfer resolves the destination by NRIC, phone number, or business registration number. The payer never handles a bank account string. The integration layer handles proxy resolution, confirmation, and the signed callback that closes the transaction record.
Mandate registration, amendment, status query, and cancellation are all API calls. The integration layer tracks mandate state per customer, surfaces debit results on the scheduled cycle, and handles rejection codes with retry logic defined at the merchant level.
QR, Transfer, and AutoDebit settlement files arrive on different cycles and in different formats. The reconciliation engine normalises them into a single daily report matched against your transaction log, with unmatched items flagged before the business day starts.
Merchant-presented and customer-presented DuitNow QR with webhook handling, timeout management, and T+0 settlement confirmation.
DuitNow Transfer via proxy resolution (NRIC, phone, business registration), with signed callback processing and transaction state management.
Full mandate lifecycle: registration, amendment, debit execution, rejection handling, and cancellation, exposed through your application's subscription or billing flow.
Daily reconciliation report covering all three DuitNow rails, normalised to a single format and matched against your internal transaction log.
FPX 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.
ExploreFull card-scheme acceptance across domestic and international networks, from a single acquirer integration.
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.
