✅ Frequently Asked Questions (FAQs) – FPX
Is FPX secure?
Yes. FPX uses the participating banks’ Internet Banking security
measures including multi-factor authentication and encryption to
protect transactions. PayNet also enforces strict compliance with
Bank Negara Malaysia regulations.
⚠️ Security Reminder: Always verify the merchant’s
website URL before making a payment and avoid using public Wi-Fi
for financial transactions.
Can FPX be used for both personal and business payments?
Yes. FPX supports payments for personal online purchases, bill payments,
and business-to-business (B2B) transactions.
How fast are FPX payments processed?
FPX payments are processed in real time, with funds debited from
the customer’s account and credited to the merchant’s account instantly.
What happens if an FPX payment fails?
If a payment fails, the customer will be notified immediately, and
no funds will be debited. The customer can retry the payment or choose
another payment method.
💡 Tip: If your payment fails repeatedly, clear
your browser cache, try another device, or contact your bank
for assistance.
Can merchants issue refunds via FPX?
Yes. Merchants can process refunds through FPX or via FPX core, which
are credited back to the customer’s bank account according to the
merchant’s refund policies.
Are there any fees for using FPX?
Transaction fees depend on the merchant’s agreement with their acquiring
bank or payment gateway. Customers typically do not pay fees for
FPX transactions.
How can merchants integrate FPX into their online platforms?
Merchants can integrate FPX using APIs provided by PayNet or through
payment gateway providers that support FPX. PayNet offers detailed
developer documentation and sandbox environments for testing.
💡 Tip for Merchants: Use the FPX sandbox environment
to test your integration before going live to ensure smooth transactions.
Does FPX support recurring payments or installments?
FPX primarily supports one-time payments. Recurring payments or installments
require additional arrangements with banks or payment service providers.
How long does it take for an FPX transaction to timeout?
The timeout duration for an FPX transaction may vary depending on
the type of request message and the specific business model involved.
Generally, each request (e.g., AR, AQ, authorization) has its own
timeout threshold.
Additional Resources
- FPX API Documentation: Available on PayNet Developer Portal (internal access) and FPX Exchange Portal.