...IntegrationMerchant Presented QRCrossborder Outbound QR

Cross Border Outbound QR

Introduction

Supported Regions

China	Indonesia	Singapore	Thailand	Cambodia
				Coming Soon

DuitNow Outward Cross-Border QR enables Malaysians abroad to make payments via their mobile banking or e-payment application by scanning the merchants' QR code.

The figure below shows the end-to-end process of DuitNow Outward Cross-Border QR.

Account Enquiry Flow (Steps 1-8)

Step	Sender	Receiver	Process
1	Customer	Issuer	Customer scans a Cross Border merchant’s QR code via Issuer’s Mobile App and initiates a QR Payment request.
2	Issuer	RPP	Issuer performs the following: Authorize and validate the QR Payment request Parse the QR code to extract: Application Identifier (AID) Acquirer ID Merchant Name QR ID Transaction Amount Any other validations If all validations are successful: If AID belongs to PayNet, Issuer will: For On-Us Merchant NOT route the request to RPP For Off-Us Merchant Send Account Enquiry request to RPP If AID does not belong to PayNet or QR code is not parse-able, Issuer will: Send Account Enquiry request to RPP using transaction code 521 Notes: Issuer to set timeout as 60 seconds.
3	RPP	CB Clearing House	RPP performs the following: Message Validations Business Validations If any Message Validation fails, RPP will send a REJECT response to Issuer. If any Business Validation fails, RPP will send a NEGATIVE response to Issuer. If all validations are successful, RPP will: Send the Account Enquiry request to CB Clearing House
4	CB Clearing House	Acquirer/RFI	Sends Account Enquiry request to Acquirer bank
5	Acquirer	CB Clearing House	Acquirer performs the following: Message Validations Business Validations If any Message Validation fails, Acquirer will send a REJECT response to CB Clearing House. If any Business Validation fails, Acquirer will send a NEGATIVE response to CB Clearing House. If all validations are successful, Acquirer will: Send a SUCCESSFUL response to CB Clearing House. Notes: Acquirer shall validate the QR string, validation can be done via: Hash validation Key fields comparison (i.e. Merchant Account Information, Merchant Category Code, Merchant Name, Transaction Amount, etc) Entire QR string comparison For Dynamic QR, Acquirer will need to check for validity period
6	CB Clearing House	RPP	CB Clearing House performs the following: Send response to RPP
7	RPP	Issuer	RPP performs the following: Message Validations If all validations are successful, RPP will: Send a SUCCESSFUL response to Issuer A SUCCESSFUL Account Enquiry response shall contain the following information for subsequent process/validation: Merchant Name Type of QR Payment Acceptable Source of Fund
8	Issuer	Customer	Issuer performs the following: Message Validations If all validations are successful, Issuer will: For SUCCESSFUL Account Enquiry response received: Display Merchant Name Identify Type of QR Payment and Acceptable Source of Fund For UNSUCCESSFUL Account Enquiry response received: Display an error message on the customer screen

Exception Handling

Step(s)	Event	Action
2	Timeout - No response from RPP	RPP: If RPP received the request and processed it but RPP's response failed to return to Issuer, then the transaction is logged If RPP never received the request, no action on RPP's side Issuer: Stop timer Display an error message on the customer screen
2	Rejection - Rejected by RPP	RPP: Send the relevant Reject Response Code (refer to Response Codes) Include a copy of the request message in FULL in the response message under the AddtlData field for the Sender to investigate the issue Issuer: Stop timer Message Validation
3	Timeout - No response from CB Clearing House	When no response is received from CB Clearing House after X period of time, the following steps should be taken: RPP performs the following: Transaction Logging Message Validation - if any fail, send REJECT response to Issuer Business Validation - if any fail, send NEGATIVE response to Issuer Issuer performs the following: Stop timer Message Validation If all validations are successful, display an error message on the customer screen
3	Rejection - Rejected by CB Clearing House	CB Clearing House: If any validation fails, send a NEGATIVE response to RPP RPP: Stop timer Message Validation If all validations are successful, send the Account Enquiry response to Issuer Issuer: Stop timer Message Validation If all validations are successful, display an error message on the customer screen
4	Timeout - No response from Acquirer	When no response is received from Acquirer after X period of time, the following steps should be taken: CB Clearing House performs the following: Stop timer Send a NEGATIVE response to RPP RPP performs the following: Transaction Logging Message Validation - if any fail, send REJECT response to Issuer Business Validation - if any fail, send NEGATIVE response to Issuer Issuer performs the following: Stop timer Message Validation If all validations are successful, display an error message on the customer screen
4	Rejection - Rejected by Acquirer	Acquirer: If any Message Validation fails, send a REJECT response to CB Clearing House If any Business Validation fails, send a NEGATIVE response to CB Clearing House Include a copy of the request message in FULL in the response message under the AddtlData field for the Sender to investigate the issue CB Clearing House: Stop timer Send response to RPP RPP: Stop timer Message Validation If all validations are successful, send the Account Enquiry response to Issuer Issuer: Stop timer Message Validation If all validations are successful, display an error message on the customer screen

Credit Transfer Flow (Steps 9-19)

Step	Sender	Receiver	Process
9	Customer	Issuer	Customer confirms the QR Payment.
10	Issuer	RPP	Issuer performs the following: Authorize and validate the Credit Transfer request Any other validations If all validations are successful, Issuer will: Send Credit Transfer request to RPP Notes: Issuer to set timeout as 60 seconds.
11	RPP	CB Clearing House	RPP performs the following: Message Validations Business Validations If any Message Validation fails, RPP will send a REJECT response to Issuer. If any Business Validation fails, RPP will send a NEGATIVE response to Issuer. If all validations are successful, RPP will proceed to: Send the QR Payment request to CB Clearing House
12	CB Clearing House	Acquirer	CB Clearing House performs the following: Send request to Acquirer
13	Acquirer	CB Clearing House	Acquirer performs the following: Message Validations Business Validations If any Message Validation fails, Acquirer will send a REJECT response to CB Clearing House. If any Business Validation fails, Acquirer will send a NEGATIVE response to CB Clearing House. If all validations are successful, Acquirer will: Send SUCCESSFUL response to CB Clearing House
14	Acquirer	Merchant	Acquirer notifies Merchant on QR Payment status.
15	CB Clearing House	CB Settlement Bank	Confirmation of Debit based on EOD Report.
16	CB Clearing House	RPP	CB Clearing House performs the following: Send response to RPP
17	RPP	Local Settlement Bank	Confirmation of Credit based on EOD Report.
18	RPP	Issuer	RPP performs the following: Message Validations If all validations are successful, RPP will: Set Settlement Date and Cycle Update liquidity positions of both Issuer and Acquirer Update settlement totals Notify settlement bank on credit confirmation status Send SUCCESSFUL response to Issuer Notes: If the signature received from Acquirer could not be verified, RPP will send an ACCEPTED (Signature error) response to the Issuer regardless of transaction response from Acquirer. This should take care of any message manipulation done within the data when a signature cannot be verified.
19	Issuer	Customer	Issuer performs the following: Message Validations If all validations are successful, Issuer will: Display a successful message on the customer screen Notes: If the signature received from RPP could not be verified, Issuer will base the status of the transaction on the actual transaction status received from RPP.

Exception Handling

Step(s)	Event	Action
10	Timeout - No response from RPP	When no response is received from RPP after x period of time, the following steps should be taken: Issuer performs the following: Send a Single Transaction Enquiry request to RPP Start timer RPP performs the following: Transaction Logging Message Validation - if any fail, send REJECT response If all validations are successful, send the Transaction Enquiry response to Issuer Issuer performs the following: Stop timer Message Validation If all validations are successful, display a successful message on the customer screen
10	Rejection - Rejected by RPP	RPP: If any Message Validation fails, send REJECT response to Issuer If any Business Validation fails, send NEGATIVE response to Issuer Include a copy of the request message in FULL in the response message under the AddtlData field for the Sender to investigate the issue Issuer: Stop timer Message Validation If all validations are successful, display an error message on the customer screen
11	Timeout - No response from CB Clearing House	When no response is received from CB Clearing House after x period of time, the following steps should be taken: RPP performs the following: Timeout Stop timer Set Settlement Date and Cycle Update liquidity positions of both Issuer and CB Clearing House Update settlement totals Send an ACCEPTED response back to Issuer Trigger Transaction Status Enquiry via SAF Issuer performs the following: Stop timer Message Validation If all validations are successful, display ACCEPTED message on customer screen
11	Rejection - Rejected by CB Clearing House	If any validation fails, the following steps should be taken: CB Clearing House performs the following: Stop timer Send NEGATIVE response to RPP RPP performs the following: Stop timer Message Validation If all validations are successful: Not update liquidity and settlement positions of both Issuer and Acquirer For NEGATIVE response, send NEGATIVE response to Issuer For REJECT response, send REJECT response to Issuer Issuer: Stop timer Message Validation If all validations are successful, display an error message on the customer screen
12	Timeout - No response from Acquirer	When no response is received from Acquirer after x period of time, the following steps should be taken: CB Clearing House performs the following: Timeout Store the Credit Transfer Transaction in SAF Update liquidity positions of both Acquirer and Local Settlement Bank Stop timer Send an ACCEPTED (Timeout reason) response back to RPP RPP performs the following: Stop timer Message Validation If all validations are successful: Not update liquidity and settlement positions of both Issuer and Acquirer For NEGATIVE response, send NEGATIVE response to Issuer For REJECT response, send REJECT response to Issuer Issuer performs the following: Stop timer Message Validation If all validations are successful, display ACCEPTED message on customer screen
12	Rejection - Rejected by Acquirer	Acquirer: If any Message Validation fails, send a REJECT response to CB Clearing House If any Business Validation fails, send a NEGATIVE response to CB Clearing House Include a copy of the request message in FULL in the response message under the AddtlData field for the Sender to investigate the issue (might not be applicable) CB Clearing House performs the following: Stop timer Send response to RPP RPP performs the following: Stop timer Message Validation If all validations are successful: Not update liquidity and settlement positions of both Issuer and Acquirer For NEGATIVE response, send NEGATIVE response to Issuer For REJECT response, send REJECT response to Issuer Issuer: Stop timer Message Validation If all validations are successful, display an error message on the customer screen

Validation Rules

Message Validation

Business Validation

Message Format Validation Digital Signature Verification

RPP: Mandatory and conditional fields validation Business Message Identifier validation Issuer Check Acquirer Check Repeat Check Date Tolerance Check Minimum & Maximum Amount Check Liquidity Position Check Account Enquiry Exist Check (only in Step 11) Acquirer: Mandatory and conditional fields validation QR Validation (Only in Step 5) Beneficiary Account Validation (Only in Step 5) Any other validations