Bank Redirects

Bank Redirects allow customers to complete payments by logging into their online banking system. Instead of entering card details, customers are securely redirected to their bank or a banking switch (e.g., FPX, Pay by Bank) to authorize the transaction. Once approved, they are returned to your site or app, and Monxa confirms the result via webhooks. This method is widely used across Asia for its security, customer familiarity, and high success rates, making it an effective alternative to card payments.

Capabilities & Constraints

Flow type: Redirect to bank or bank switch; result confirmed by webhook.
Capture model: Direct capture only (no separate auth/capture).
Customer experience: Bank login → approve payment → redirect/return.
Settlement: According to the connected provider/bank switch.
Refunds: Supported by many providers after capture (rules vary; see matrix below). No “reversal”/void once bank has posted the debit.
Retries: If abandoned/expired, create a new charge with a new Idempotency-Key.

Typical Use Cases

E-commerce checkout where card conversion is low
High-trust domestic bank rails (e.g., Malaysia FPX-style, SG pay-by-bank)
Desktop/mobile flows where redirect is acceptable

1. Create a Charge

Initiate the payment by creating a charge in your system with the transaction details.

2. Redirect the Customer

Use the return_url from Monxa to send the customer to their bank app.

3. Customer Approves at Bank App

The customer confirms the transaction by entering their PIN/OTP or using biometric authentication in their bank app.

4. Handle Webhooks

Once the e-wallet provider processes the payment, Monxa sends a webhook notification to update your system with the final status.

Supported Channels

🇲🇾 Malaysia
🇹🇭 Thailand

Channel	Code	Currency	Refund	Settlement	Min Amount	Max Amount
Affin Bank	`bank_affin`	MYR	N.A	T+2	1	1000,000,000
Agro Bank	`bank_agro`	MYR	N.A	T+2	1	1000,000,000
Alliance Bank	`bank_alliance`	MYR	N.A	T+2	1	1000,000,000
Am Bank	`bank_am`	MYR	N.A	T+2	1	1000,000,000
BNP Bank	`bank_bnp`	MYR	N.A	T+2	1	1000,000,000
Bank Of China	`bank_boc`	MYR	N.A	T+2	1	1000,000,000
BSN	`bank_bsn`	MYR	N.A	T+2	1	1000,000,000
CIMB	`bank_cimb`	MYR	N.A	T+2	1	1000,000,000
Citibank	`bank_citi`	MYR	N.A	T+2	1	1000,000,000
Deutsche Bank	`bank_deutsche`	MYR	N.A	T+2	1	1000,000,000
Hong Leong Bank	`bank_hlb`	MYR	N.A	T+2	1	1000,000,000
HSBC	`bank_hsbc`	MYR	N.A	T+2	1	1000,000,000
Islam Bank	`bank_islam`	MYR	N.A	T+2	1	1000,000,000
Kuwait Finance House	`bank_kuwait`	MYR	N.A	T+2	1	1000,000,000
Maybank	`bank_maybank`	MYR	N.A	T+2	1	1000,000,000
Bank Mualamat	`bank_mualamat`	MYR	N.A	T+2	1	1000,000,000
OCBC	`bank_ocbc`	MYR	N.A	T+2	1	1000,000,000
Public Bank	`bank_public`	MYR	N.A	T+2	1	1000,000,000
Bank Rakyat	`bank_rakyat`	MYR	N.A	T+2	1	1000,000,000
RHB Bank	`bank_rhb`	MYR	N.A	T+2	1	1000,000,000
Standard Chartered	`bank_scb`	MYR	N.A	T+2	1	1000,000,000
UOB	`bank_uob`	MYR	N.A	T+2	1	1000,000,000

Payment Flow

Status Lifecycle

Status	When	Merchant Action
pending	Charge created; awaiting bank result	Redirect customer; wait for webhook
succeeded	Bank confirmed & funds captured	Fulfill order
failed	Bank/customer canceled or error	Offer retry / alternate method
expired	Session timed out at bank/switch	Create a new charge if needed

Field Reference

Field	Type	Required	Notes
amount	integer	✓	Minor units.
currency	string	✓	ISO-4217 (e.g., MYR, SGD, THB).
reference_id	string	✓	Your order/invoice reference.
channel_code	string	✓	e.g., `bank_redirect_fpx`, `bank_redirect_sgpaybybank`, `bank_redirect_th`.
channel_properties.return_url	string(url)	✓	Where we return the customer after bank flow.
channel_properties.cancel_url	string(url)		Where to send customer if they cancel (if supported).
channel_properties.bank_code	string		Preselect a bank (provider-dependent).
metadata	object		Freeform key-value pairs.
Header: Idempotency-Key	string	✓	Unique per create attempt to avoid duplicates.

Step 1: Create a Charge

Create a charge with a bank-redirect channel_code. Include a return_url (required) to bring the customer back to your site/app.

Endpoint: POST v1/charges

Request Example : Malaysia - FPX-like switch)

curl https://api.monxa.io/v1/charges \
  -H "Authorization: Bearer sk_test_***" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: chg-2025-10-09-0001" \
  -d '{
    "amount": 2500,
    "currency": "MYR",
    "reference_id": "INV-2025-1009-001",
    "channel_code": "bank_fpx",
    "channel_properties": {
      "return_url": "https://merchant.example.com/checkout/return",
      "cancel_url": "https://merchant.example.com/checkout/cancel"
    },
    "metadata": {
      "order_note": "Black Friday order #8841"
    }
  }'

Response Example

{
  "id": "chg_01JBB3MZQ8Q2X",
  "object": "charge",
  "reference_id": "INV-2025-1009-001",
  "amount": 250000,
  "currency": "MYR",
  "status": "pending",
  "channel_code": "bank_fpx",
  "actions": {
    "type": "REDIRECT_CUSTOMER",
    "redirect_url": "https://bank-switch.example/session/S_abc123",
    "expires_at": "2025-10-09T05:25:00Z"
  },
  "created_at": "2025-10-09T05:20:00Z"
}

Why pending? The payment is not approved yet. Final state is delivered via webhook after the customer completes at their bank.

Step 2: Redirect the Customer

Send the customer to actions.redirect_url.

Web: Perform a 302 redirect or render a “Continue to your bank” button linking to redirect_url.
Mobile: Open in external browser or in-app webview. Handle the return_url to resume your flow.

Step 3: Customer Approves at Bank

The customer authenticates with their bank and approves the payment. The bank/switch posts the result back to Monxa.

If successful → funds are captured and status becomes succeeded.
If rejected/canceled → status becomes failed.
If not completed in time → status becomes expired.

Always verify by fetching the charge: GET /v1/charges/

Step 4: Handle Webhooks & Update Payment Status

Always verify the event by fetching the charge (GET /v1/charges/) before updating your system.

Sample Webhook (charge.succeeded)

{
	"id": "evt_01JBB3S1RZK8N",
  	"type": "charge.succeeded",
  	"data": {
    	"id": "chg_01JBB3MZQ8Q2X",
    	"reference_id": "INV-2025-1009-001",
    	"amount": 250000,
    	"currency": "MYR",
    	"status": "succeeded",
    	"channel_code": "bank_redirect_fpx",
    	"captured_at": "2025-10-09T05:21:12Z"
	},
  	"created_at": "2025-10-09T05:21:13Z"
}

Sample Webhook (charge.failed)

{
	"id": "evt_01JBB3FAIL001",
  	"type": "charge.failed",
  	"data": {
    	"id": "chg_01JBB3MZQ8Q2X",
    	"reference_id": "INV-2025-1009-001",
    	"status": "failed",
    	"failure_code": "bank_declined",
    	"failure_message": "Customer canceled or bank declined"
  	},
	"created_at": "2025-10-09T05:22:40Z"
}

Implementation Tips

UI: Always show a “Continue to your bank” CTA and a fallback “Try another method.”
Timeouts: Respect actions.expires_at; show session countdowns to reduce abandonment.
Mobile deep-linking: Some providers return app deep links; handle gracefully with browser fallback.
Reconciliation: Store charge.id, reference_id, bank bank_code (if present), and webhook timestamps.

Error Handling

Error	Meaning	How to Resolve
`400 invalid_channel_properties`	Missing/invalid `return_url` or `bank_code`	Provide required fields; validate URLs
`400 unsupported_channel`	Channel not enabled or not available in corridor	Enable channel or choose supported one
`402 bank_declined`	Bank rejected the payment	Offer retry/alternative method
`409 duplicate_reference`	`reference_id` uniqueness conflict (if enforced)	Use a unique reference or update config
`422 amount_mismatch`	Amount not accepted by provider	Ensure correct minor units and limits

INTRODUCTION

ACCEPT PAYMENTS

PAYOUTS

REFERENCES

Capabilities & Constraints

Typical Use Cases

1. Create a Charge

2. Redirect the Customer

3. Customer Approves at Bank App

4. Handle Webhooks

Supported Channels

Payment Flow

Status Lifecycle

Field Reference

Step 1: Create a Charge

Step 2: Redirect the Customer

Step 3: Customer Approves at Bank

Step 4: Handle Webhooks & Update Payment Status

Implementation Tips

Error Handling

INTRODUCTION

ACCEPT PAYMENTS

PAYOUTS

REFERENCES

​Capabilities & Constraints

​Typical Use Cases

1. Create a Charge

2. Redirect the Customer

3. Customer Approves at Bank App

4. Handle Webhooks

​Supported Channels

​Payment Flow

​Status Lifecycle

​Field Reference

​Step 1: Create a Charge

​Step 2: Redirect the Customer

​Step 3: Customer Approves at Bank

​Step 4: Handle Webhooks & Update Payment Status

​Implementation Tips

​Error Handling

Capabilities & Constraints

Typical Use Cases

Supported Channels

Payment Flow

Status Lifecycle

Field Reference

Step 1: Create a Charge

Step 2: Redirect the Customer

Step 3: Customer Approves at Bank

Step 4: Handle Webhooks & Update Payment Status

Implementation Tips

Error Handling