MOLPay

Introduction

MOLPay Logo

MOLPay is a payment service provider for online merchants looking to do business in the Southeast Asian market.

MOLPay is available for merchants who have opted for the collecting model. Please contact Sales for more information.

MOLPay allows consumers to pay in their familiar online banking environment. During checkout, consumers are redirected to the MOLPay payment page, and from there to the consumer’s financial institution payment page, where they complete the payment process.

General Information

Payment Mode, Countries and Currencies

This table illustrates which payment mode MOLPay belongs to. It also provides detailed information about the countries and currencies which are relevant for MOLPay.

Payment Mode

Online Bank Transfer

Countries

China, Indonesia (coming soon), Malaysia, Philippines, Singapore, Thailand, Vietnam

Currencies

Processing: IDR, MYR, PHP, RMB/CNY, SGD, THB, VND
Settlement: local currency/USD

Available Payment Methods (Channels)

This table shows all available channels through which a consumer can make a payment:

Payment Method (Channel) Name Country Currency
alipay
Alipay

China

RMB/CNY/USD/MYR/SGD

cimbclicks
CIMB Clicks

Malaysia

MYR

maybank2u
Maybank2u

Malaysia

MYR

fpx_amonline
FPX B2C AmOnline

Malaysia

MYR

fpx_muamalat
FPX B2C Bank Muamalat

Malaysia

MYR

fpx_bankrakyat
FPX B2C Bank Rakyat

Malaysia

MYR

fpx_bimb
FPX B2C Bank Islam

Malaysia

MYR

dragonpay
Dragonpay

Philippines

PHP

fpx_abb
FPX B2C Affin Bank

Malaysia

MYR

fpx_abmb
FPX B2C Alliance Bank

Malaysia

MYR

fpx_bsn
FPX B2C Bank Simpanan Nasional

Malaysia

MYR

fpx_ocbc
FPX B2C OCBC

Malaysia

MYR

fpx_scb
FPX B2C Standard Chartered

Malaysia

MYR

fpx_uob
FPX B2C United Overseas Bank

Malaysia

MYR

fpx_hlbconnect
FPX B2C Hong Leong

Malaysia

MYR

nganluong
NganLuong

Vietnam

VND

omise
Omise

Thailand

THB

omise_bay
Krungsri e-Payment via Omise

Thailand

THB

omise_bbl
Bangkok Bank via Omise

Thailand

THB

omise_ktb
Krung Thai Bank via Omise

Thailand

THB

omise_scb
Siam Commercial Bank via Omise

Thailand

THB

omise_tl
Tesco Lotus via Omise

Thailand

THB

fpx_pbb
FPX B2C Public Bank

Malaysia

MYR

fpx_rhbnow
FPX B2C RHB Bank

Malaysia

MYR

singpost
SAM by SingPost

Singapore

SGD

UPOP
UnionPay

China

CNY/USD/MYR

vtcpay
VTC Pay

Vietnam

VND

Communication Formats

This table illustrates how MOLPay notifications are encoded and which formats and methods can be used for requests and responses.

Requests/Responses

Format

XML, JSON

Methods

POST

IPN Encodement

Please follow the instructions given at Instant Payment Notification to set up IPN.

Transaction Types

This table lists all transaction types available for MOLPay.

For transaction type details which are not given here, look at Appendix B: Transaction Types.

Transaction Type Description Request Response/IPN WEP Link to sample
debit

Creates a request to charge the specified amount from the consumer’s bank account.

YES

YES

YES

get-url

Retrieves the URL of the MOLPay landing page for the consumer to be redirected to.

NO

YES

YES

YES indicates that the transaction type is sent in the request, in the response/notification or in the Wirecard Enterprise Portal.

Test Credentials

URL (Endpoint)

For transaction type debit (REST API)

https://api-test.wirecard.com/engine/rest/paymentmethods/

Merchant Account ID (MAID)

0518ac4e-a622-48d8-87f5-a04835ded715

Username

Molpay-EETest

Password

he04YtvH

Secret Key

39c6793b-888b-4dd6-a5ac-f6b844418451

Workflow

debit
Payment Process Using REST API
Debit Workflow with REST API
  1. Consumer initiates a debit transaction.

  2. Merchant sends a request to the WPG endpoint. This request must contain

    • the transaction type debit

    • the selected payment method (channel)

    • the consumer’s data

    • payment data.

  3. WPG sends a response to merchant. This response contains a generated URL for MOLPay's landing page (field “payment-methods/payment-method/@url”).

  4. With this URL, the merchant redirects the consumer to MOLPay's landing page.

  5. The consumer submits the transaction on MOLPay's landing page and is redirected to their online banking system.

  6. The consumer finishes the payment in their online banking system. Optionally, the consumer can be redirected back to the shop.

  7. WPG sends a success/failure notification to the merchant.

Payment Process Using HPP
Debit Workflow with HPP
  1. Consumer selects one of the MOLPay payment methods (channel).

  2. WPG redirects the consumer to MOLPay's landing page.

  3. The consumer submits the transaction on MOLPay's landing page and is redirected to their online banking system.

  4. The consumer finishes the payment in their online banking system. Optionally, the consumer can be redirected back to the shop.

  5. WPG sends a success/failure notification to the merchant.

Fields

The fields used for MOLPay requests, responses and notifications are the same as the REST API Fields. Please refer to the REST API field list or the request example for the fields required in a debit transaction.

Samples

debit
XML debit Request (Successful)
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>0518ac4e-a622-48d8-87f5-a04835ded715</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>debit</transaction-type>
  <requested-amount currency="MYR">10</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>john@doe.com</email>
    <phone>+123456789</phone>
  </account-holder>
  <descriptor>description</descriptor>
  <payment-methods>
    <payment-method name="fpx_abb"/>
  </payment-methods>
  <country>MY</country>
  <cancel-redirect-url>https://demoshop-test.wirecard.com/demoshop/#/cancel</cancel-redirect-url>
  <fail-redirect-url>https://demoshop-test.wirecard.com/demoshop/#/error</fail-redirect-url>
  <success-redirect-url>https://demoshop-test.wirecard.com/demoshop/#/success</success-redirect-url>
</payment>
XML debit Response (Successful)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>0518ac4e-a622-48d8-87f5-a04835ded715</merchant-account-id>
    <transaction-id>f3efe8e4-c1eb-4600-878b-b1df4f9beef3</transaction-id>
    <request-id>e8537162-91d7-4ffe-8623-1f2f7ea69d88</request-id>
    <transaction-type>debit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2019-07-09T09:15:28.000Z</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="MYR">10</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>john@doe.com</email>
        <phone>+123456789</phone>
    </account-holder>
    <descriptor>description</descriptor>
    <payment-methods>
        <payment-method url="https://sandbox.molpay.com/MOLPay/pay/SB_wirecard/FPX_ABB.php?amount=10&amp;orderid=f3efe8e4c1eb4600878bb1df4f9beef3&amp;cur=MYR&amp;vcode=a480484d84ea0ec762b95af7cad2cef4&amp;bill_desc=description&amp;bill_mobile=%2B123456789&amp;bill_email=john%40doe.com&amp;bill_name=John+Doe&amp;cancelurl=https%3A%2F%2Fapi-test.wirecard.com%3A443%2Fengine%2Fnotification%2Fmolpay%2Fredirect" name="fpx_abb"/>
    </payment-methods>
    <cancel-redirect-url>https://demoshop-test.wirecard.com/demoshop/#/cancel</cancel-redirect-url>
    <fail-redirect-url>https://demoshop-test.wirecard.com/demoshop/#/error</fail-redirect-url>
    <success-redirect-url>https://demoshop-test.wirecard.com/demoshop/#/success</success-redirect-url>
    <country>MY</country>
</payment>
XML debit Request (Failure)
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>0518ac4e-a622-48d8-87f5-a04835ded715</merchant-account-id>
  <request-id>17b0f1b1-00b1-4e14-a4c4-8f3f80a4085b</request-id>
  <transaction-type>debit</transaction-type>
  <requested-amount currency="MYR">10</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>john.doe</email>
    <phone>+123456789</phone>
  </account-holder>
  <descriptor>description</descriptor>
  <payment-methods>
    <payment-method name="fpx_abb"/>
  </payment-methods>
  <country>MY</country>
</payment>
XML debit Response (Failure)
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>0518ac4e-a622-48d8-87f5-a04835ded715</merchant-account-id>
  <transaction-id>dfb68a27-65de-4682-98d2-17e83c532116</transaction-id>
  <request-id>17b0f1b1-00b1-4e14-a4c4-8f3f80a4085b</request-id>
  <transaction-type>debit</transaction-type>
  <transaction-state>failed</transaction-state>
  <completion-time-stamp>2018-10-16T09:47:30.000Z</completion-time-stamp>
  <statuses>
    <status code="400.1016" description="The Email Address is syntactically incorrect.  Please check your input and try again." severity="error"/>
  </statuses>
  <requested-amount currency="MYR">10</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>john.doe</email>
    <phone>+123456789</phone>
  </account-holder>
  <descriptor>description</descriptor>
  <payment-methods>
    <payment-method name="fpx_abb"/>
  </payment-methods>
  <country>MY</country>
</payment>
Custom URL: