---
title: "FPX Online Banking"
slug: "online-banking"
updated: 2026-04-30T04:48:24Z
published: 2026-04-30T04:48:24Z
canonical: "docs.xendit.co/online-banking"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# FPX Online Banking

![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/image(162).png)

FPX is an online payment service that allows customers to pay for purchases and bills in real-time by debiting their bank account directly through their internet banking portal. It is a secure and reliable payment gateway, operated by PayNet, a subsidiary of Bank Negara Malaysia, that enables secure and direct crediting to the merchant's account.

________________________________________________________________________________________________________________________________

## Features

| **Channel Code** | {Bank Name}_FPX, {Bank Name}_FPX_BUSINESS |
| --- | --- |
| **Bank Name** | AFFIN, AGRO, ALLIANCE, AMBANK, BNP (FPX_BUSINESS only), BOC (FPX only), BSN (FPX only), CIMB, CITIBANK (FPX_BUSINESS only), DEUTSCHE (FPX_BUSINESS only), HLB, HSBC, ISLAM, KFH, MAYB2E, MAYB2U (FPX only), MUAMALAT, OCBC, PUBLIC, RAKYAT, RHB, SCH, UOB |
| **Display Name** | {Bank Name} FPX or {Bank Name} FPX (Business) |
| **Currency** | MYR |
| **Country** | MY |
| **Type** | ONLINE BANKING |
| **Min Amount** | 1 |
| **Max Amount (FPX)** | 30,000.00 |
| **Max Amount (FPX Business)** | 1,000,000.00 |
| **User Approval Flow** | REDIRECT, SKIP |
| **Reusable Payment Code** | - |
| **Save** | - |
| **Merchant Initiated Transaction** | - |
| **Auth & Capture** | - |
| **Partial Capture** | - |
| **Multiple Partial Capture** | - |
| **Desktop Support** | WEB URL |
| **Mobile Support** | MOBILE WEB URL |
| **Custom Payment Code** | - |
| **Display Merchant Name** | MERCHANT |
| **Display User Name** | - |
| **Set Expiry** | - |
| **Payment Request Expiry (hours)** | - |
| **Payment Token Validity (years)** | - |
| **Payment Processing Time (hours)** | INSTANT |
| **Settlement Time** | T+2 CALENDAR DAYS |
| **Installments** | - |
| **Refund** | - |
| **Partial Refund** | - |
| **Multiple Partial Refund** | - |
| **Refund Validity (days)** | - |
| **Payment Link** | ✓ |
| **Fund Flow** | AGGREGATOR, SWITCHER |

## Payment flow

Step 1: Select FPX Online banking and choose the required bank. ![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/image(198).png)

Step 2: You will be redirected to the chosen bank online banking page. Login with banking credentials (example Maybank).

![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/Screenshot 2025-11-14 at 2.42.47 pm(1).png)

Step 3: Select the account, click “Continue” and complete the 3DS (example Maybank). ![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/Screenshot 2025-11-14 at 2.43.30 pm.png)

Step 4: Payment completed.

![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/image(199).png)