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.
JomPAY removes the need for a customer to navigate to a biller's website to pay a bill. Once a business is registered as a JomPAY biller, its biller code appears in every participating bank's bill payment interface, covering the full Malaysian retail banking network. Customers pay using the biller code plus their account reference number, and the payment is routed to the biller's designated settlement account. idataraya manages the biller registration process, integrates the payment notification feed into your accounts receivable (AR) system, and reconciles settlement reports against outstanding invoices so receipts are matched automatically rather than manually.
Being a JomPAY biller means customers can pay you from any bank without visiting your portal. The integration connects the inbound payment notifications to your AR system so receipts land against the right invoice automatically, without a finance team member matching them by hand.
Once registered, your biller code is visible in the bill payment section of every JomPAY-participating bank, covering the full Malaysian retail banking network. Customers enter the biller code and their account reference (invoice number, customer ID, or similar), and the payment routes to your settlement account.
JomPAY delivers a payment notification for each transaction, carrying the biller code, the account reference the customer entered, the amount, and the bank's transaction reference. The integration parses each notification, looks up the matching open invoice by account reference, and applies the receipt in your AR system without manual intervention.
The accuracy of automatic AR matching depends on the account reference the customer enters. The integration supports configurable reference formats with validation rules, and can display an example reference on the biller's payment confirmation page to reduce entry errors. Notifications with unresolvable references are quarantined for manual review rather than silently dropped.
JomPAY issues periodic settlement reports covering all transactions for the period. The reconciliation engine compares each line in the report against the corresponding notification and the open invoice it was applied to, confirms the settled amount, and posts the net receipt to the GL. Any discrepancy between the notification and the settlement amount is flagged before the report cycle closes.
End-to-end management of the JomPAY biller registration process, including documentation, network submission, and biller code activation.
Real-time notification feed parsed and delivered to your AR system, with account reference lookup and automatic invoice matching.
Automatic receipt posting against open invoices, with a review queue for unresolvable references and an audit trail for each matched transaction.
Periodic settlement report parsing and three-way match against notifications, AR receipts, and GL postings, with discrepancy escalation.
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.
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.
