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idataraya
idataraya

Payment Systems.

Payment infrastructure aligned with Malaysian consumer behavior.

We build payment integrations for Malaysian businesses: FPX bank transfers, DuitNow QR, e-wallets (Touch 'n Go, GrabPay, Boost), card terminals, and cash drawer management. From the ECR protocol on the payment terminal to the settlement reconciliation in your back office, we handle the full payment lifecycle.

  • FPX, DuitNow QR, and e-wallet integration
  • ECR protocol implementation for bank payment terminals
  • Settlement reconciliation and financial reporting
  • PCI DSS compliance and secure payment handling
MYR 186.40Order #PAY-5027
Choose payment method
DuitNow QR
FPX Online banking
Touch 'n Go eWallet
GrabPay
Boost
Cards
ENBMSettlement T+1 · reconciled daily
Back-office settlement flowGateway to ledger, every cycle
Running
Gateway callbackwebhook · signedTokenizePAN vaultedReconcile3-way matchGL postingjournal entryDaily report08:00 MYT
Cycle T+1 · run completed at 07:52
MYR 248.00Order #PAY-4812
Choose payment method
DuitNow QR
FPX Online banking
Touch 'n Go eWallet
GrabPay
Cards
ENBMSettled to your ledger, not the gateway's
PAY-RECON-04-18Daily reconciliation
Verified
  • FPX transactions1,842 matched
  • DuitNow QR6,104 matched
  • E-wallet callbacks3,219 · 2 pending
  • Card batchMYR 418k settled
T+1 · 2 items queued for review

Every payment method Malaysian customers expect.

Malaysians pay with FPX, DuitNow QR, Touch 'n Go, GrabPay, cards, and cash, sometimes in the same transaction. We build systems that handle all of them.

Every rail, native at the checkout.

FPX, DuitNow QR, e-wallets, and cards rendered inside your flow, not bounced to a third-party page. One integration layer, one callback contract, settled back to your ledger.

MYR 248.00Order #PAY-4812
Choose payment method
DuitNow QR
FPX Online banking
Touch 'n Go eWallet
GrabPay
Cards
ENBMSettled to your ledger, not the gateway's

Settlement reconciled before month-end.

Automated three-way match between your transaction log, the gateway report, and the bank settlement file. Discrepancies surface the next morning, not during close.

PAY-RECON-04-18Daily reconciliation
Verified
  • FPX transactions1,842 matched
  • DuitNow QR6,104 matched
  • E-wallet callbacks3,219 · 2 pending
  • Card batchMYR 418k settled
T+1 · 2 items queued for review

ECR terminals, speaking your protocol.

Full ECR implementation for bank-issued terminals over TCP/IP or serial. Transaction lifecycle, cancellations, and settlement batches handled from the same service that drives your POS.

KDS · Live
  • Card · contactlessApproved · 2s
  • FPX · MaybankConfirmed · 4s
  • Settlement batch1,204 txns queued
ECR terminal · counter 3

Compliance posture, evidenced.

PCI DSS-aligned tokenization, encryption in transit and at rest, and audit logging for every transaction event. Evidence packages prepared for the people who ask for them.

PCI-DSS · Q2Control evidence
Verified
  • Tokenization100% of card PAN
  • TLS 1.2+ enforced14 of 14 endpoints
  • Access reviewCompleted · 12 Apr
  • Audit log retention24 months
SAQ D · ready for QSA review

A payment system that handles every method your customers use.

  • Payment integrations

    Working integrations for FPX, DuitNow QR, e-wallets, and card terminals, tested end-to-end with sandbox and production credentials.

  • Reconciliation engine

    Automated daily reconciliation between transactions, gateway reports, and bank settlements with discrepancy alerting.

  • Settlement reports

    Financial reporting for each payment method with breakdowns by outlet, terminal, and time period.

  • Compliance documentation

    PCI DSS evidence package and secure payment handling procedures for your compliance requirements.

Ready to talk about payment systems?

Book a discovery call. We will walk through how this fits your business, scope, timeline, and what you will get at the end.