Welcome to FPX Exchange Portal!

FPX is a secure and real-time payment system that leverages on the participating banks’ Internet Banking. FPX uses high standards of authentication and certification to ensure all transactions are secure. Every transaction is heavily guarded behind your customer’s Internet Banking next-level encryption.

For businesses, all you need to do is to register with any of the participating acquirers to subscribe to FPX as a merchant and proceed with simple integration process. Payments made by your customers are credited immediately into your accounts upon completion. The key benefits of FPX are:


  • Immediate processing and crediting of sales proceed
  • Real-time message notification of payment status

Convenient & Low Cost

  • Easy payment cart integration
  • Ease of reconciliation for multiple banks through a single channel
  • Online Webview access for online payment status
  • More cost effective as compared to card payments

Reliable & Secure

  • Highly secured authentication and certification
  • Payment information/reference
  • Auto-debit reversal feature
  • No chargeback

In order to serve you better, this FPX Exchange Portal is established as a platform for all merchants subscribing to FPX to have access to FPX Merchant Integration Kit comprising all the necessary manuals, documents and tool for the integration with FPX system (e.g. Basic Integration Guide, sample coding, certification manual and etc.).


  1. Merchant Integration Checklist - Merchant Integration Checklist v1.4.pdf (535KB)

  2. Merchant Registration Form - Merchant Registration Form v2.1.pdf (538KB)

  3. Merchant Maintenance Form - Merchant Maintenance Form v2.0.pdf (538KB)

  4. FPX Bulk Sellers Registration And Maintenance Form - FPX Bulk Sellers Registration And Maintenance Form V1.2.xlsx (312KB)

  5. External User Access Request Form Retail - External User Access Request Form Retail v2.0.pdf (153KB)

  6. FPX Merchant Integration User Guide - FPX Merchant Integration User Guide v1.1.pdf (1326KB)

  7. SMI - List of FPX Financial Institution Code - SMI - List of FPX Financial Institution Code v3.8.pdf (748KB)

Technical Specification

  1. Merchant Interface Specification for FPX - Merchant Interface Specification for FPX V4.5.pdf (1448KB)

  2. Merchant URL Reference for FPX - Merchant URL Reference for FPX v4.2.pdf (774KB)

  3. Sample Source Codes for FPX - Sample Source Codes for FPX v3.0.docx (3149KB)

  4. PKI Key Pair Generation Using OpenSSL - PKI Key Pair Generation Using OpenSSL v1.5.docx (875KB)


  1. FPX Merchant UAT Guideline - FPX Merchant UAT Guideline v4.1.pdf (1203KB)

  2. Brand Guideline - Brand Guideline v1.2.pdf (1430KB)

  3. FPX Logo - FPX (1682KB)

  4. FPX Merchant Webview User Manual - FPX Merchant Webview User Manual v1.0.pdf (2365KB)

  5. FPX TPA WebView User Manual - Coming Soon

  6. FPX Migration to Production Guideline - FPX Migration to Production Guideline v1.0.pdf (873KB)

  7. FPX Merchant FAQ - FPX Merchant FAQ v2.2.pdf (390KB)

  8. FPX Merchant User Interface - FPX Merchant User Interface v1.0.pdf (390KB)


  1. Guidelines on Exchange Certificate Management - Guidelines on Exchange Certificate Management v1.6.docx (1261KB)

  2. FPX Certificate – UAT - (2KB)

  3. FPX Certificate – Production - (1.43KB)

Terms of use for FPX Portal

These terms apply to your access and the use of this website. These terms explain your responsibilities and obligations relating to the information provided herein for registered FPX merchants. This website is operated and owned by PayNet.

By accessing any page of this website, you agree to be bound by these terms without limitation or qualification. If you do not accept these terms, please immediately discontinue your access to this site.

We may change the terms periodically, so please check them from time to time as your continued use of this site signifies your acceptance of any changed term. We reserve the right, without notice and for any reason to remove any content, deny access of any user or users to all or any part of this site.

  1. Definitions

    References to "You", "Yours" means any person using PayNet’s website and all its pages (“this site”). “PayNet”, "We", “Us” "Our" or “Ours” will refer collectively to Payments Network Malaysia Sdn Bhd (836743-D) (“PayNet”).

  2. Use of website

    The right to use this website is personal to you and is not transferable to any other person or entity. You are responsible for all use of your account (under any screen name or password) and for ensuring that all use of your account complies fully with these terms. You shall be responsible for protecting the confidentiality of your password(s), if any.

    We shall have the right at any time to change or discontinue any aspect or feature of this website, including, but not limited to, content, hours of availability needed for access or use.

    You shall use this website for lawful purposes only. You shall not post or transmit through this website any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, an invasion of privacy , vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without our express prior approval, contains advertising or any solicitation with respect to products or services. Any conduct by you that in our view restricts or inhibits any other subscriber from using or enjoying this website will not be permitted. You shall not use this website to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become subscribers of other on-line information services which are against the law.

  3. Privacy

    Our Privacy Policy applies to use of this site and is made part of these terms. It also explains PayNet’s policy related to collection, use and storage of your personal data. By accessing and using this website, you hereby consent and agree to the terms specified in the Privacy Policy with respect to our processing of your personal data. If you do not consent to the said terms, kindly contact us at the contact details provided in the Privacy Policy.

    To view our Privacy Policy, click here.

  4. Links

    This site may contain links to other sites which are meant for connecting our services to our subscribers. Unless otherwise mentioned, such linked websites are owned and operated by third parties and as such are not under our control. Therefore we shall not be responsible and make no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Furthermore, the links provided in this site shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages losses and actions which may arise out of or in connection with the linking of website. It is advisable for you to read the privacy policy statements of any websites which are linked to this site before using them.

  5. Copyright Notice

    Unless otherwise indicated, the copyright in this site and its contents, including but not limited to the text, images, graphics, sound files, animation files, video files, and their arrangement, logo, name, brand, images including are the property of PayNet, and are protected by applicable Malaysian and international copyright laws. No part or parts of this page may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without our expressed prior written consent.

    You also may not, without our expressed prior written consent, insert a link to this site on any other website, frame or "mirror" any material contained on this site on any other server. Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of this site may be in breach of statutory or common law rights which could be the subject of legal action. If such event occurs, we disclaim all liability which may arise from any such unauthorised acts.

  6. Trademark Notice

    This site includes registered trademarks and trademarks which are the subject of pending applications or otherwise protected by the law, including “PayNet”, “FPX” names and logos.

    The emblem of PayNet, or the name of PayNet, including any abbreviation of its name, is protected by the Emblems and Names (Prevention of Improper Use) Act, 1963. You may not use such names or trademarks except with prior written permission of PayNet.

    This site may also contain the trademarks of our customers, merchants, subscribers, service providers, which are protected by law. Thus you may not use these trademarks, at all times.

  7. Indemnity

    You agree to indemnify and hold us, our officers, directors, shareholders, predecessors, successors, employees, affiliates, harmless from any demands, loss, liability, claims or expenses including solicitors’ fees made against us by any third party due to or arising out of or in connection with your use of this site.

  8. Document Notice

    Any documents, guides and FAQ’s made available on this site are for Reference & Support use only. The information contained here has been written and checked by PayNet and is correct and accurate to the best of our knowledge. However, PayNet provide this information without any warranty and will in no event be held liable for any inaccuracy, problems, damage or loss of data resulting from following instructions or applying knowledge gained from this site.

  9. Legal Information

    This site is for use in Malaysia and is not intended for use in other jurisdiction where such use would be contrary to Malaysian law. These terms are governed by laws of Malaysia and you agree Malaysian courts shall have exclusive jurisdiction to determine any dispute in connection with or arising out of this site and these terms.

    No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The site may be accessed outside Malaysia. If this site is accessed outside Malaysia, you are responsible for ensuring compliance with the applicable laws where you are located and by doing so, you access this site at your own risk.

    If you have any questions, comments, or complaints about this site, please email us at

Privacy Policy

This policy describes the ways we collect, use, store, and protect your personal information. You accepted this policy when you signed up for our Service. This policy applies to this site located at and any other websites owned and operated by PayNet. In this policy, the terms “PayNet”, “we”, “us”, “ours” refers to Payments Network Malaysia Sdn Bhd. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it.

  1. Information We Collect

    We collect information about you from our services that you use, the information that we collected from our subscribers when you provide it to them for the purpose of using our services and products, and information that we collected from other parties when we process transactions in order to deliver our services to you.

  2. Use of information we collected

    We may also use the information that we collected about you including for :

    • marketing operations and activities;
    • in compliance with any regulatory, statutory or legal obligation imposed on use by any relevant authorities;
    • to operate and provide our services to you;
    • to detect, prevent or investigate security breaches or fraud;
    • to maintain appropriate records for internal administrative purposes;
    • to respond to customer service inquiries and requests for information; and
    • for internal purposes such as evaluating the effectiveness of marketing, market research, statistical analysis, research and development, customer administration and audit and risk management.

  3. Share of information we collected

    We may share your information with other parties in the following circumstances:

    • With our parent company for analysis and decision making including decisions regarding improvement of our products and services;

    • With service providers that provide us with their support services in delivering our services to you and our subscribers;

    • With other business entities when we become involved with a merger or situation involving the transfer of some or all our business assets;

    • With other companies if you give us permission to share the information;

    • With other companies to use your information for promotion and marketing purposes.

    The information we collect about you may be disclosed to places outside Malaysia and by providing us your information, you agree to such transfer.

  4. Use of cookies

    We do not use cookies to gather information. Cookies are pieces of information that most sites place on your computer to help "customise" your visit to the site. For example, a cookie will allow you to trace previously visited pages, such as your screen name or where you left off in a game. Most major websites use cookies exactly for this purpose.

  5. Web Cache

    This site does not accommodate any web caching to prevent storing of files/data in the hard disk cache and ensuring confidentiality of subscriber or business partner information.

  6. Your rights

    Please contact us as described in “Contact”, if you want to change, delete or update your information or withdraw your consent for collect, use, store or share your information with other parties.

  7. How we protect the information

    We take reasonable efforts to protect your information using security measures to reduce the risk of loss, misuse, unauthorised access, disclosure or modification of your information.

    We implement information security policy to protect the information that we disclosed to third parties. Any information disclosed to our service providers or business partners, we will require them to appropriately safeguard the information provided to them in accordance with our information security policy.


  1. No warranties

    This site is provided on an “as is” basis without warranties of any kind, express or implied, including, but not limited to, warranties of title or implied warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose, timeliness or completeness of any information. We shall not be liable for any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of this site and/or our services. You expressly agree that your use of this site is at your sole risk.

    We make no warranty whatsoever to you, express or implied, regarding the security of this site, including with respect to the ability of unauthorised persons to intercept or access information transmitted by you through this site or any service on this site.

  2. No liability

    We, our affiliates, information providers or content partners exclude liability to the fullest extent permitted by law, in any event including without any limitation negligence for any damages or loss of any kind, including direct, indirect, incidental, special, consequential or punitive damages, expenses or losses airing out of, or in connection with your use or inability to use this site, or in connection with any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus or system failure, communication line failure, theft or destruction or unauthorised access to, alteration of, or use of record, whether for breach of contract, negligence or other tortious behaviour, or under any other cause of action, arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from this site.

    We reserve the right to modify, suspend or discontinue, temporarily or permanently, this site or any part of it, with or without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of this site.

  3. Third party products and services

    Reference or links to any specific commercial product, process or service by trade name, trade mark, manufacture or otherwise by third party websites do not constitute an endorsement, a recommendation or a favouring by us. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such websites. We have not verified the truth or accuracy of any content of such websites.