FPX Online banking Malaysia for API only

Add FPX Online banking Malaysia to an existing API-only integration.

Accept FPX Online banking payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

Before you begin

These instructions explain how to add FPX Online banking to your existing API-only integration. The API-only integration works the same way for all payment methods. If you haven't done this integration yet, refer to our API-only integration guide.

Before starting your FPX Online banking integration:

Make sure you have set up your back end implementation.
Add FPX Online banking in your test Customer Area.

Build your payment form for Online banking Malaysia

To show FPX Online banking in your payment form, you need to:

Show a list of available banks to your shopper.
After the shopper selects a bank, pass the corresponding Issuer value to your server. You'll need this to make a payment. All issuers in this list must be included on your checkout to be compliant with PayNet local regulations.

Bank name	Issuer ID
Affin Bank	fpx_abb
Agro Bank	fpx_agrobank
Alliance Bank	fpx_abmb
Am Bank	fpx_amb
Bank Islam	fpx_bimb
Bank Muamalat	fpx_bmmb
Bank Rakyat	fpx_bkrm
Bank Simpanan Nasional	fpx_bsn
CIMB Bank	fpx_cimbclicks
Hong Leong Bank	fpx_hlb
HSBC Bank	fpx_hsbc
Kuwait Finance House	fpx_kfh
Maybank	fpx_mb2u
OCBC Bank	fpx_ocbc
Public Bank	fpx_pbb
RHB Bank	fpx_rhb
Standard Chartered Bank	fpx_scb
UOB Bank	fpx_uob

We provide logos for Razer Merchant Services and the issuing banks, which you can use on your payment form. For more information, refer to Downloading logos.

You can also get the issuer list from the /paymentMethods response, as explained in the API-only integration guide.

In your /paymentMethods request, specify:

countryCode: MY
amount.currency: MYR

The list of issuing banks are included in the object with type: molpay_ebanking_fpx_MY.

Make a payment

In your /payments request, specify:

paymentMethod.type: molpay_ebanking_fpx_MY.
paymentMethod.issuer: The shopper's bank. In this example, the issuer is set to Bank Rakyat. Specify this with the Issuer value that corresponds to this bank.
returnUrl: The URL where the shopper will be redirected back to after they complete the payment.

curl https://checkout-test.adyen.com/v68/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
  "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
  "reference":"YOUR_ORDER_NUMBER",
  "amount":{
    "currency":"MYR",
    "value":1000
  },
  "{hint:state.data.paymentMethod from onSubmit}paymentMethod{/hint}":{
    "type":"molpay_ebanking_fpx_MY",
    "issuer":"fpx_bkrm"
  },
  "returnUrl":"https://your-company.com/checkout?shopperOrder=12xy.."
}'

# Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen::Client.new
adyen.api_key = "YOUR_X-API-KEY"
 
response = adyen.checkout.payments({
  :amount => {
    :currency => "MYR",
    :value => 1000
  },
  :reference => "YOUR_ORDER_NUMBER",
  :paymentMethod => {
    :type => "molpay_ebanking_fpx_MY",
    :issuer => "fpx_bkrm"
  },
  :returnUrl => "https://your-company.com/checkout?shopperOrder=12xy..",
  :merchantAccount => "YOUR_MERCHANT_ACCOUNT"
})

// Set YOUR_X-API-KEY with the API key from the Customer Area.
// Change to Environment.LIVE and add the Live URL prefix when you're ready to accept live payments.
    Client client = new Client("YOUR_X-API-KEY", Environment.TEST);
            Checkout checkout = new Checkout(client);

            PaymentsRequest paymentsRequest = new PaymentsRequest();

            String merchantAccount = "YOUR_MERCHANT_ACCOUNT";
            paymentsRequest.setMerchantAccount(merchantAccount);

            Amount amount = new Amount();
            amount.setCurrency("MYR");
            amount.setValue(15000L);
            paymentsRequest.setAmount(amount);

            DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
            paymentMethodDetails.setIssuer("fpx_bkrm");
            paymentMethodDetails.setType("molpay_ebanking_fpx_MY");
            paymentsRequest.setPaymentMethod(paymentMethodDetails);

            paymentsRequest.setReference("YOUR_ORDER_NUMBER");
            paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");

            PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);

// Set your X-API-KEY with the API key from the Customer Area.
$client = new \Adyen\Client();
$client->setXApiKey("YOUR_X-API-KEY");
$service = new \Adyen\Service\Checkout($client);

$params = array(
  "amount" => array(
    "currency" => "MYR",
    "value" => 1000
  ),
  "reference" => "YOUR_ORDER_NUMBER",
  "paymentMethod" => array(
    "type" => "molpay_ebanking_fpx_MY",
    "issuer" => "fpx_bkrm"
  ),
  "returnUrl" => "https://your-company.com/checkout?shopperOrder=12xy..",
  "merchantAccount" => "YOUR_MERCHANT_ACCOUNT"
);
$result = $service->payments($params);

#Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen.Adyen()
adyen.client.xapikey = 'YOUR_X-API-KEY'

result = adyen.checkout.payments({
   'amount': {
      'value': 1000,
      'currency': 'MYR'
   },
   'reference': 'YOUR_ORDER_NUMBER',
   'paymentMethod': {
      'type': 'molpay_ebanking_fpx_MY',
      'issuer': 'fpx_bkrm'
   },
   'returnUrl': 'https://your-company.com/checkout?shopperOrder=12xy..',
   'merchantAccount': 'YOUR_MERCHANT_ACCOUNT'
})

// Set your X-API-KEY with the API key from the Customer Area.
var client = new Client ("YOUR_X-API-KEY", Environment.Test);
var checkout = new Checkout(client);

var amount = new Adyen.Model.Checkout.Amount("MYR", 1000);
var details = new Adyen.Model.Checkout.DefaultPaymentMethodDetails{
  Type = "molpay_ebanking_fpx_MY",
  Issuer = "fpx_bkrm"
};
var paymentsRequest = new Adyen.Model.Checkout.PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  ReturnUrl = @"https://your-company.com/checkout?shopperOrder=12xy..",
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  PaymentMethod = details
};

var paymentResponse = checkout.Payments(paymentsRequest);

// Set your X-API-KEY with the API key from the Customer Area.
const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
const config = new Config();
// Set your X-API-KEY with the API key from the Customer Area.
config.apiKey = '[API_KEY]';
config.merchantAccount = '[YOUR_MERCHANT_ACCOUNT]';
const client = new Client({ config });
client.setEnvironment("TEST");
const checkout = new CheckoutAPI(client);
checkout.payments({
    amount: { currency: "MYR", value: 1000 },
    paymentMethod: {
        type: 'molpay_ebanking_fpx_MY',
        issuer: 'fpx_bkrm'
    },
    reference: "YOUR_ORDER_NUMBER",
    merchantAccount: config.merchantAccount,
    returnUrl: "https://your-company.com/checkout?shopperOrder=12xy.."
}).then(res => res);

https://docs.adyen.com/payment-methods/fpx-online-banking-malaysia/api-only#molpay-payments

The /payments response contains an action object with the information needed to redirect the shopper.

{
   "resultCode":"RedirectShopper",
   "action":{
      "paymentMethodType":"molpay_ebanking_fpx_MY",
      "method":"GET",
      "url":"https://checkoutshopper-test.adyen.com/checkoutshopper/checkoutPaymentRedirect?redirectData=...",
      "type":"redirect"
   }
}

https://docs.adyen.com/payment-methods/fpx-online-banking-malaysia/api-only#-payments-response

Handle the redirect

To complete the payment, redirect the shopper to the action.url returned in the /payments response.

When using the HTTP GET method:
For security reasons, when displaying the redirect in the app, we recommend that you use SFSafariViewController for iOS or Chrome Custom Tabs for Android, instead of WebView objects. Also refer to the security best practices for WebView.

After the shopper is redirected back to your website, check the payment result by making a POST /payments/details request, specifying:
- details: Object that contains the URL-decoded redirectResult returned when the shopper was redirected back to your site.
/payments/details request
curl https://checkout-test.adyen.com/v68/payments/details \ -H "x-API-key: YOUR_X-API-KEY" \ -H "content-type: application/json" \ -d '{ "details": { "redirectResult": "eyJ0cmFuc1N0YXR1cyI6IlkifQ==" } }'
https://docs.adyen.com/payment-methods/fpx-online-banking-malaysia/api-only#-payments-details-request

You receive a response containing:

resultCode: Use this to present the result to your shopper.
pspReference: Our unique identifier for the transaction.
/payments/details response
{ "resultCode": "Authorised", "pspReference": "V4HZ4RBFJGXXGN82" }
https://docs.adyen.com/payment-methods/fpx-online-banking-malaysia/api-only#-payments-details-response

Present the payment result

Use the resultCode that you received in the /payments/details response to present the payment result to your shopper.

The resultCode values you can receive for MOLPay online banking are:

resultCode	Description	Action to take
Authorised	The payment was successful.	Inform the shopper that the payment has been successful. You will receive the funds in 2-3 days.
Cancelled	The shopper cancelled the payment while on their bank's website.	Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.
Error	There was an error when the payment was being processed.	Inform the shopper that there was an error processing their payment. You'll receive a `refusalReason` in the same response, indicating the cause of the error.
Pending or Received	The shopper has completed the payment but the final result is not yet known. It may take minutes or hours for the MOLPay online banking payments network to confirm this.	Inform the shopper that you've received their order, and are waiting for the payment to be completed. You will receive the final result of the payment in an AUTHORISATION webhook.
Refused	The payment was refused by the shopper's bank.	Ask the shopper to try the payment again using a different payment method.

If the shopper failed to return to your website or app, wait for webhooks to know the outcome of the payment:

eventCode	success field	Description	Action to take
AUTHORISATION	false	The transaction failed.	Cancel the order and inform the shopper that the payment failed.
AUTHORISATION	true	The shopper successfully completed the payment.	Inform the shopper that the payment has been successful and proceed with the order.

Test and go live

Using any issuer ID that is available for the Online banking Malaysia Component for the respective country, make Online banking Malaysia online banking test payments to test the different payment results.

Check the status of the Online banking Malaysia test payments in your Customer Area > Transactions > Payments.

Before you can accept live Online banking Malaysia payments, you need to submit a request for Online banking Malaysia in your live Customer Area.