DuitNow Online Banking/Wallets (OBW)

Accept payments from Malaysian customers through their bank's online banking portal or digital wallet using DuitNow OBW.

Overview

DuitNow OBW (Online Banking/Wallets) enables merchants to accept payments through customers' bank online banking portals and digital wallets. It uses a redirect-based flow where customers authenticate and authorize payments on their bank's secure platform.

Key Features:

✅ 18+ banks supported - All major Malaysian banks
✅ Secure bank authentication - Customers authorize on their bank's platform
✅ Redirect flow - Simple redirect integration
✅ Real-time confirmation - Instant payment verification
✅ 180-day refund window - Full and partial refunds supported

Enablement Required

Contact support@omise.co to enable DuitNow OBW for your merchant account.

Supported Region

Region	Currency	Min Amount	Max Amount	API Version
Malaysia	MYR	RM1.00	RM20,000.00	`2017-11-02`

Supported Banks

Bank Code	Bank Name
`affin`	Affin Bank
`alliance`	Alliance Bank
`agro`	AGRONet
`ambank`	AmBank
`islam`	Bank Islam
`muamalat`	Bank Muamalat
`rakyat`	Bank Rakyat
`bsn`	BSN
`cimb`	CIMB Clicks
`hongleong`	Hong Leong Bank
`hsbc`	HSBC
`kfh`	KFH
`maybank2u`	Maybank2U
`ocbc`	OCBC
`publicbank`	Public Bank
`rhb`	RHB Bank
`sc`	Standard Chartered
`uob`	UOB

How It Works

Payment Flow:

Customer selects DuitNow OBW and chooses their bank
Merchant creates source with bank code
Customer redirected to bank's online banking
Customer logs in and confirms payment with OTP
Customer returns to merchant site
Webhook confirms payment status

Typical completion time: 1-3 minutes

Implementation

Step 1: Create Source

cURL
Node.js
PHP
Omise.js

curl https://api.omise.co/sources \
  -u $OMISE_PUBLIC_KEY: \
  -d "amount=150000" \
  -d "currency=MYR" \
  -d "type=duitnow_obw" \
  -d "bank=maybank2u"

const omise = require('omise')({
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

const source = await omise.sources.create({
    type: 'duitnow_obw',
    amount: 150000,  // MYR 1,500.00
    currency: 'MYR',
    bank: 'maybank2u'  // Customer's selected bank
});

<?php
$source = OmiseSource::create([
    'type' => 'duitnow_obw',
    'amount' => 150000,
    'currency' => 'MYR',
    'bank' => 'maybank2u'
]);
?>

Omise.setPublicKey(omise_public_key);

Omise.createSource('duitnow_obw', {
    amount: 150000,
    currency: 'MYR',
    bank: 'maybank2u'
}, function(statusCode, response) {
    console.log(response);
});

Step 2: Create Charge

curl https://api.omise.co/charges \
  -u $OMISE_SECRET_KEY: \
  -d "amount=150000" \
  -d "currency=MYR" \
  -d "return_uri=https://example.com/payment/complete" \
  -d "source=src_test_xxx"

Combined Request

Create source and charge in one request:

curl https://api.omise.co/charges \
  -u $OMISE_SECRET_KEY: \
  -d "amount=150000" \
  -d "currency=MYR" \
  -d "return_uri=https://example.com/payment/complete" \
  -d "source[type]=duitnow_obw" \
  -d "source[bank]=maybank2u"

Step 3: Redirect Customer

// Redirect to bank's online banking portal
window.location.href = charge.authorize_uri;

Step 4: Handle Webhook

app.post('/webhooks/omise', (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete') {
        const charge = event.data;

        if (charge.status === 'successful') {
            fulfillOrder(charge.metadata.order_id);
        } else if (charge.status === 'failed') {
            notifyCustomer(charge.metadata.order_id, charge.failure_message);
        }
    }

    res.status(200).send('OK');
});

Bank Selection UI

Display a bank selection dropdown for customers:

<div class="bank-selection">
    <label for="bank">Select your bank:</label>
    <select id="bank" name="bank" required>
        <option value="">-- Choose Bank --</option>
        <option value="maybank2u">Maybank2U</option>
        <option value="cimb">CIMB Clicks</option>
        <option value="publicbank">Public Bank</option>
        <option value="rhb">RHB Bank</option>
        <option value="hongleong">Hong Leong Bank</option>
        <option value="ambank">AmBank</option>
        <option value="affin">Affin Bank</option>
        <option value="alliance">Alliance Bank</option>
        <option value="islam">Bank Islam</option>
        <option value="muamalat">Bank Muamalat</option>
        <option value="rakyat">Bank Rakyat</option>
        <option value="bsn">BSN</option>
        <option value="hsbc">HSBC</option>
        <option value="ocbc">OCBC</option>
        <option value="sc">Standard Chartered</option>
        <option value="uob">UOB</option>
    </select>
</div>

Charge Status Values

Status	Description
`pending`	Awaiting customer authorization at bank
`successful`	Payment completed
`failed`	Payment declined or processing error
`expired`	Customer didn't complete within 7 days

Failure Codes

Code	Description
`payment_expired`	Authorization window closed
`payment_rejected`	Bank declined transaction
`failed_processing`	General processing error
`invalid_account`	No valid account for payment
`insufficient_fund`	Insufficient balance or limit

Refunds

DuitNow OBW supports full and partial refunds within 180 days of the transaction:

// Full or partial refund
const refund = await omise.charges.refund('chrg_test_xxx', {
    amount: 50000  // Partial refund of MYR 500.00
});

Best Practices

Show bank logos - Display recognizable bank logos for selection
Indicate processing - Show loading state during redirect
Handle timeouts - Customer has 7 days to complete payment
Webhook priority - Always use webhook for order fulfillment
Mobile optimization - Bank portals work on mobile devices

FAQ

What is DuitNow OBW?

DuitNow OBW (Online Banking/Wallets) is a payment method that allows Malaysian customers to pay directly through their bank's online banking portal. Customers select their bank, get redirected to log in, and authorize the payment with OTP verification.

What's the difference between DuitNow OBW and DuitNow QR?

DuitNow OBW: Customer is redirected to their bank's online banking portal to authorize payment. Better for desktop and web checkout flows.

DuitNow QR: Customer scans a QR code with any banking app or e-wallet. Better for in-store payments and mobile-first experiences.

Both are part of Malaysia's DuitNow payment infrastructure.

Which banks are supported?

DuitNow OBW supports 18+ Malaysian banks including Maybank, CIMB, Public Bank, RHB, Hong Leong, AmBank, Affin, Alliance, Bank Islam, Bank Muamalat, Bank Rakyat, BSN, HSBC, OCBC, Standard Chartered, and UOB.

How long does the customer have to complete payment?

Customers have up to 7 days to complete the payment after the charge is created. However, individual bank session timeouts may be shorter. If payment isn't completed, the charge status becomes expired.

Can I refund DuitNow OBW payments?

Yes, both full and partial refunds are supported within 180 days of the original transaction date.

Is DuitNow OBW better than FPX?

DuitNow OBW and FPX both enable online banking payments in Malaysia. DuitNow OBW is the newer standard under PayNet's DuitNow infrastructure. Both work similarly - choose based on your existing integration or PayNet/FPX availability for your merchant account.

DuitNow QR - QR-based payments
FPX - Alternative bank transfer
Bank Transfers Overview - All bank transfer methods
Webhooks - Webhook handling

Overview​

Supported Region​

Supported Banks​

How It Works​

Implementation​

Step 1: Create Source​

Step 2: Create Charge​

Combined Request​

Step 3: Redirect Customer​

Step 4: Handle Webhook​

Bank Selection UI​

Charge Status Values​

Failure Codes​

Refunds​

Best Practices​

FAQ​

Related Resources​