FPX (Financial Process Exchange) is Malaysia’s national online payment gateway that enables real-time bank transfers for e-commerce, bill payments, and business transactions. It connects directly to major Malaysian banks, allowing customers to pay from their internet or mobile banking accounts without using credit cards, while providing merchants with instant payment confirmation. Learn more about FPX.

Payment method properties


Markets (consumer)	`MY`
Processing currencies	`MYR`
Consumer currencies	`MYR`
Authentication methods	`REDIRECT`
Authentication timeout	3 hours
Minimum payment amount	1.00 MYR
Maximum payment amount	Depends on the bank, up to 30,000 MYR
Payment instrument	`BANK_ACCOUNT`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	180 days
Disputes
Settlement risk	No
Sandbox availability	FPX sandbox

Make an FPX payment

FPX payments follow our standardized REDIRECT payment flow. However, we recommend including all relevant settings for any authentication methods you support.

To make an FPX payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:

Field	Description
paymentMethod	`FPX`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`MYR`
consumer.country	The country where the consumer is shopping.
authenticationSettings: REDIRECT settings.returnUrl	Add the url where the consumer should be redirected to after they complete the payment. Required for the `REDIRECT` payment flow.

Request

POST /v1/payment-charges

{
  "paymentMethod": "FPX",
  "amount": {
    "value": 1000,
    "currency": "MYR"
  },
  "consumer": {
    "country": "MY"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
  "paymentMethod": "FPX",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "MYR",
  "country": "MY",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "MY"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    }
  ],
  "authorizations": [
    {
      "id": "authz_aPobet0FNZNU1bYqfexFd",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T08:34:20.766Z",
      "updatedAt": "2025-06-21T08:34:20.766Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-06-21T08:34:20.114Z",
  "updatedAt": "2025-06-21T08:34:20.766Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

An instrument of type BANK_ACCOUNT will be created for FPX payments.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_YgaHnZfKPQEculCF83bRI",
    "type": "BANK_ACCOUNT"
}