> For the complete documentation index, see [llms.txt](https://docs.jgopay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.jgopay.com/english/payment-methods.md).

# Payment Methods

MYR payments in Malaysia support multiple payment methods: **DuitNow QR** (QR code scan), **FPX Bank Transfer** (online banking redirect), and **TNG e-Wallet** (Touch 'n Go).

## Requirements

| Requirement        | Details                                                                    |
| ------------------ | -------------------------------------------------------------------------- |
| **Amount**         | Up to 2 decimal places                                                     |
| **Min Amount**     | 5.00 MYR                                                                   |
| **Max Amount**     | 50,000.00 MYR                                                              |
| **reference\_id**  | Alphanumeric only                                                          |
| **Payment Method** | `QR_PAYMENT` (DuitNow QR), `BANK_TRANSFER` (FPX), or `MOBILE_WALLET` (TNG) |

## Payment Options

### Option 1: DuitNow QR

Customers scan a DuitNow QR code using any Malaysian banking app. The QR code is displayed on the payment page.

| Property   | Value                                                                |
| ---------- | -------------------------------------------------------------------- |
| URL to use | `payment_url` — the payment page displays the DuitNow QR             |
| Flow       | Customer scans the QR with their banking app, callback on completion |

### Option 2: FPX Bank Transfer

Online banking payment via Malaysia's FPX network. Customers select their bank and are redirected to authorize the payment.

| Property   | Value                                                     |
| ---------- | --------------------------------------------------------- |
| URL to use | `gateway.redirect_url` — the bank authorization page      |
| Flow       | Customer authorizes at their bank, callback on completion |

> **Requirement:** When using `BANK_TRANSFER`, include `provider_channel_id` in `metadata` to specify the customer's bank. See [FPX Bank Codes](#fpx-bank-codes) below. Whether this field is required or optional depends on which upstream channel handles the request — to keep your integration portable across routing changes, **always send it**.

### Option 3: TNG e-Wallet (Touch 'n Go)

Pay using the Touch 'n Go e-Wallet. Customers are redirected to authorize the payment.

| Property   | Value                                               |
| ---------- | --------------------------------------------------- |
| URL to use | `gateway.redirect_url` — the TNG authorization page |
| Flow       | Customer authorizes in TNG, callback on completion  |

***

## Request Examples

### DuitNow QR

```json
{
  "amount": 100.00,
  "currency": "MYR",
  "reference_id": "ORDER20260325001",
  "customer_name": "Ahmad bin Ali",
  "customer_phone": "60123456789",
  "payment_method": "QR_PAYMENT"
}
```

### FPX Bank Transfer

```json
{
  "amount": 100.00,
  "currency": "MYR",
  "reference_id": "ORDER20260325002",
  "customer_name": "Ahmad bin Ali",
  "customer_phone": "60123456789",
  "payment_method": "BANK_TRANSFER",
  "metadata": {
    "provider_channel_id": "MB2U0227"
  }
}
```

> **`provider_channel_id` is required** for `BANK_TRANSFER` when routed through a channel that performs bank selection at the gateway (e.g. DuitNow B2C). If omitted on that path, the request fails with `MISSING_PROVIDER_CHANNEL`; if the value isn't in the allow-list, it fails with `INVALID_PROVIDER_CHANNEL`. Other upstream channels accept BANK\_TRANSFER without it (the customer picks the bank at the gateway page). Treat it as required and always send a valid code from the [FPX Bank Codes](#fpx-bank-codes) or [DuitNow (RPP) Bank Codes](#duitnow-rpp-bank-codes) tables below — your integration will then work regardless of which channel routing picks.

### TNG e-Wallet

```json
{
  "amount": 100.00,
  "currency": "MYR",
  "reference_id": "ORDER20260325003",
  "customer_name": "Ahmad bin Ali",
  "customer_phone": "60123456789",
  "payment_method": "MOBILE_WALLET"
}
```

### Field Notes

| Field                          | Value                | Notes                                                            |
| ------------------------------ | -------------------- | ---------------------------------------------------------------- |
| `amount`                       | `100.00`             | Up to 2 decimal places                                           |
| `currency`                     | `"MYR"`              | Malaysian Ringgit                                                |
| `reference_id`                 | `"ORDER20260325001"` | Alphanumeric only                                                |
| `customer_phone`               | `"60123456789"`      | Include `60` country code, no `+`                                |
| `payment_method`               | `"QR_PAYMENT"`       | Required — one of `QR_PAYMENT`, `BANK_TRANSFER`, `MOBILE_WALLET` |
| `metadata.provider_channel_id` | `"MB2U0227"`         | **Required for `BANK_TRANSFER` only.** See bank codes below      |

***

## FPX Bank Codes

Use these codes in `metadata.provider_channel_id` when calling `BANK_TRANSFER`. These route through the **FPX** (Financial Process Exchange) network.

| Code       | Bank Name            |
| ---------- | -------------------- |
| `ABB0233`  | Affin Bank           |
| `ABMB0212` | Alliance Bank        |
| `AGRO01`   | Agro Bank            |
| `AMBB0209` | Ambank               |
| `BCBB0235` | CIMB Bank            |
| `BIMB0340` | Bank Islam           |
| `BKRM0602` | Bank Rakyat          |
| `BMMB0341` | Bank Muamalat        |
| `BSN0601`  | BSN                  |
| `HLB0224`  | Hong Leong Bank      |
| `HSBC0223` | HSBC Bank            |
| `KFH0346`  | Kuwait Finance House |
| `MB2U0227` | Maybank              |
| `OCBC0229` | OCBC Bank            |
| `PBB0233`  | Public Bank          |
| `RHB0218`  | RHB Bank             |
| `SCB0216`  | Standard Chartered   |
| `UOB0226`  | UOB                  |

## DuitNow (RPP) Bank Codes

These codes also work in `metadata.provider_channel_id` for `BANK_TRANSFER`. They route through the **DuitNow Online Banking** (RPP) network.

| Code       | Bank Name     |
| ---------- | ------------- |
| `AFBQMYKL` | MBSB Bank     |
| `AGOBMYKL` | Agro Bank     |
| `ARBKMYKL` | Ambank        |
| `BIMBMYKL` | Bank Islam    |
| `BKCHMYKL` | Bank of China |
| `BKRMMYKL` | Bank Rakyat   |
| `BMMBMYKL` | Bank Muamalat |
| `BOBEMYK2` | Boost Bank    |
| `BSNAMYK1` | BSN           |
| `CIBBMYKL` | CIMB Bank     |
| `FNXSMYNB` | Finexus       |
| `HBMBMYKL` | HSBC Bank     |
| `MBLOMYNB` | MobilityOne   |
| `MFBBMYKL` | Alliance Bank |
| `OCBCMYKL` | OCBC Bank     |
| `PBBEMYKL` | Public Bank   |
| `PHBMMYKL` | Affin Bank    |
| `RJHIMYKL` | Al-Rajhi Bank |
| `UOVBMYKL` | UOB           |

> **Tip:** FPX codes and RPP codes may overlap for the same bank (e.g., Maybank has `MB2U0227` for FPX). Either type is accepted — use whichever your customer's bank supports.

***

## Withdrawals

MYR supports withdrawals (payouts) to Malaysian banks through the [Create Withdrawal](/english/create-withdrawal.md) endpoint.

### Withdrawal Request Example

```json
{
  "amount": 500.00,
  "currency": "MYR",
  "reference_id": "WD20260325001",
  "bank_code": "MY_MBB",
  "account_number": "1234567890",
  "account_name": "Ahmad bin Ali",
  "method": "BANK"
}
```

### Field Notes

| Field            | Value             | Notes                                                        |
| ---------------- | ----------------- | ------------------------------------------------------------ |
| `amount`         | `500.00`          | Up to 2 decimal places. Min 50.00 MYR, max 50,000.00 MYR     |
| `bank_code`      | `"MY_MBB"`        | See [Bank Codes](/english/bank-codes.md) for supported codes |
| `account_number` | `"1234567890"`    | Beneficiary bank account number                              |
| `account_name`   | `"Ahmad bin Ali"` | Must match bank account holder name                          |
| `method`         | `"BANK"`          | Always `BANK` for MYR withdrawals                            |

> See [Bank Codes](/english/bank-codes.md) for the full list of 31 supported Malaysian banks and e-wallets.

***

## Common Errors

| Error                      | Cause                                                                           | Fix                                                                                 |
| -------------------------- | ------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------- |
| `MISSING_PROVIDER_CHANNEL` | `BANK_TRANSFER` without `metadata.provider_channel_id`                          | Include `provider_channel_id` in `metadata` — see [FPX Bank Codes](#fpx-bank-codes) |
| `INVALID_PROVIDER_CHANNEL` | `provider_channel_id` not in allowed list                                       | Use a code from the tables above                                                    |
| `INVALID_AMOUNT`           | Amount outside allowed range (deposits 5-50,000 MYR, withdrawals 50-50,000 MYR) | Check the limits above                                                              |
| `INVALID_BANK_CODE`        | Bank code not supported for MYR withdrawals                                     | See [Bank Codes](/english/bank-codes.md)                                            |
| `NO_GATEWAY_AVAILABLE`     | No active MYR gateway                                                           | Contact support                                                                     |
| `GATEWAY_ERROR`            | Gateway temporarily unavailable (e.g., bank limits reached)                     | Retry later or contact support                                                      |


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