Acme RHB Bank Malaysia Payments (API)

This describes validations / allowed data formats for Acme payments going through RHB Bank Malaysia. These will be validated by Acme and further validated by the bank. These rules may be stricter than what the bank requires.

Common Definitions

• SWIFT Character Set:

  • The 26 uppercase Latin letters A-Z
  • The 26 lowercase Latin letters a-z
  • The 10 digits 0-9
  • Forward slash /
  • Hyphen -
  • Question mark ?
  • Colon :
  • Left and right parentheses ( )
  • Full stop .
  • Comma ,
  • Single quote '
  • Plus sign +
  • Space

• BIC11:

  • 11-character Bank Identifier Code

General notes

• The format for BIC (used in receiver.bank) is strictly validated using [A-Z]{6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3})? (as specified in ISO20022 BICFIIdentifier).
• RHB support both Pre-authorization (STP) flow and authorization flow via RHB Reflex, the configuration is done on RHB's backend.

MY_IBG

Malaysia Interbank GIRO — next-day settlement.

Important

• Currency must be MYR only.
• customerReference max length is 20 characters for RHB payments.
• Receiver's residencyStatus is mandatory for MY IBG.

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	SWIFT	20	M
payments[N].paymentDetails	SWIFT	140	O
payments[N].paymentAdviceEmails	Valid email address Example: ["finance@company.com"]	500 (combined)	O
payments[N].receiver.name	SWIFT	70	M
payments[N].receiver.bank	Alphanumeric (BIC/SWIFT code)	11	M
payments[N].receiver.bankAccountNumber	Numeric	20	M
payments[N].receiver.residencyStatus	RESIDENT or NON_RESIDENT		M

Example Request:

{
  "type": "MY_IBG",
  "amount": 1000,
  "currency": "MYR",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "customerReference": "INV-001",
  "paymentDetails": "Payment for invoice 001",
  "paymentAdviceEmails": ["finance@example.com"],
  "receiver": {
    "name": "Ahmad bin Ali",
    "bank": "PBBEMYKLXXX",
    "bankAccountNumber": "1234567890",
    "residencyStatus": "RESIDENT"
   }
}

MY_IBFT

Malaysia Instant Fund Transfer via DuitNow Bank Account Transfer.

Important

• Currency must be MYR only.
• customerReference max length is 20 characters for RHB payments.
• Receiver's residencyStatus is mandatory for MY DuitNow Account Transfer.
• Receiver's accountType is mandatory for MY DuitNow Account Transfer.

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	SWIFT	20	M
payments[N].paymentDetails	SWIFT	140	O
payments[N].paymentAdviceEmails	Valid email address Example: ["finance@company.com"]	500 (combined)	O
payments[N].receiver.name	SWIFT	60	M
payments[N].receiver.bank	Alphanumeric (BIC/SWIFT code)	11	M
payments[N].receiver.bankAccountNumber	Numeric	20	M
payments[N].receiver.residencyStatus	RESIDENT or NON_RESIDENT		M
payments[N].receiver.accountType	CHECKING or SAVINGS		M

Example Request:

{
  "type": "MY_IBFT",
  "amount": 1000,
  "currency": "MYR",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "customerReference": "INV-001",
  "paymentDetails": "Payment for invoice 001",
  "paymentAdviceEmails": ["finance@example.com"],
  "receiver": {
    "name": "Ahmad bin Ali",
    "bank": "PBBEMYKLXXX",
    "bankAccountNumber": "1234567890",
    "residencyStatus": "RESIDENT",
    "accountType": "SAVINGS"
  }
}

Payment Response

• RHB returns a reference Id upon payment created successfully, this is returned in the bankReference field.
• The underlyingErrorMessage field should contains payment status code and error message returned by RHB (if any).

Example of underlyingErrorMessage from RHB:

"underlyingErrorMessage" : "N3: Invalid Account Number"

Payment status definition:

Status	Description
PROCESSING	Status upon creation
SUBMITTED	Payment submitted to RHB, awaiting final confirmation (polling in progress)
COMPLETED	Payment posting successful
FAILED	Payment unsuccessful or rejected by RHB. (check resultCode for details)

Possible result Code for failed payments:

resultCode	Description
REQUEST_TIMEOUT	Payment posting timeout.
PAYMENT_EXPIRED	Payment expired.
PAYMENT_CANCELLED	Payment aborted or cancelled by user.
PAYMENT_REJECTED	Payment rejected.
REJECTED_BY_APPROVER	Payment rejected by authorizer.
OTHERS	Default resultCode if status code return is not a known status code.

Example response:

{
        "id": "pymt_0Q0T6K4DZFRZT",
        "type": "MY_IBFT",
        "amount": 100,
        "currency": "MYR",
        "bankReference": "260408894262",
        "customerReference": "ACMELVIBG02",
        "senderAccountId": "intacc_0H3BQNTQGBW2W",
        "receiver": {
                "name": "John Doe",
                "bank": "PBBEMYKLXXX",
                "bankAccountNumber": "1234567890",
                "address": {},
                "residencyStatus": "RESIDENT",
                "accountType": "SAVINGS"
        },
        "paymentDetails": null,
        "currencyExchange": {
                "fxContractId": null
        },
        "senderAccountCurrency": "MYR",
        "status": "COMPLETED",
        "resultCode": null,
        "paymentAdviceEmails": [
                "finance@example.com"
        ],
        "createdAt": "2026-04-08T05:12:14.447Z",
        "updatedAt": "2026-04-08T05:12:14.936Z"
}