Documentation | kipleBiz

General
Payment Methods
Integration
Settlement
1-Click Payment

General

How do I subscribe to kipleBiz Payment Solution?

How long does the application process take?

All it takes is four simple steps and the process usually takes 5-7 working days

Payment Methods

What are the payment options supported by kipleBiz?

kipleBiz offers a wide range of payment methods. The following are currently supported:

FPX (Online banking) B2C & B2B
Credit/Debit cards (Visa & Mastercard)
Alipay
WeChatPay
Boost
Touch’NGo
Our very own kiplePay e-Wallet.

What are the payment options supported by kipleBiz?

kipleBiz offers a wide range of payment methods. The following are currently supported:

FPX (Online banking) B2C & B2B
Credit/Debit cards (Visa & Mastercard)
Alipay
WeChatPay
Boost
Touch’NGo
Our very own kiplePay e-Wallet.

Are there any restriction or limit on credit/debit card transactions

kipleBiz only accepts 3D Secure authenticated card transactions. This means that transactions going through kipleBiz will be redirected to card holder’s debit or credit card provider 3D secure page. User will be required to key in an authentication code which will be sent automatically via SMS.

All transaction requests will be processed by card issuing bank and is dependent on the credit limit availability in cardholder’s account.

I don't have a website, can i still use kipleBiz to accept online payments?

Yes. We have a 1-Click payment solution that suits sellers without an e-commerce website/shopping cart, but are interested to accept payment from their potential customers.

What happens if a buyer's account has been deducted but it is shown as failed on kipleBiz?

There are times when the banking or payment processing system fail to respond the payment status to kipleBiz, please contact support@kiplebiz.com to lodged a ticket with our Customer Service Team to assist you.

Integration

What is the kipleBiz Hosted Checkout Payment Page?

To ease setup and enable speedy integration, kipleBiz provides a hosted checkout payment page integration option to get you started. Hosted payment securely redirects customers to a checkout payment page hosted at kipleBiz.

What is the kipleBiz Hosted Checkout Payment Page?

How do I create an Order via the Hosted Checkout Payment Method?

The following is the payment flow:

Merchant compile all required and relevant optional parameters to be posted to kipleBiz Payment Connector.

Buyer to be redirected to the hosted checkout payment page.

Upon completion of the payment selection page, buyer will be redirected back to the return_url specified by Merchant along with the return parameters.

Merchant Return Page will validate buyer’s order based on Return Code received from kipleBiz.

_{HTTP REQUEST}

Staging:
POST https://uat.kiplepay.com/wcgatewayinit.php

Production:
POST https://kiplepay.com/wcgatewayinit.php

_{SAMPLE REQUEST}

<HTML>

<BODY>

<form action="https://uat.kiplepay.com/wcgatewayinit.php>" method="post">

<input type="text" name="ord_date" value="2020-03-25 07:03:16">

<input type="text" name="ord_totalamt" value="10" />

<input type="hidden" name="ord_gstamt" value="0.00" />

<input type="hidden" name="ord_shipname" value="John Doe">

<input type="hidden" name="ord_shipcountry" value="Malaysia">

<input type="text" name="ord_mercref" value="112233-testreference">

<input type="hidden" name="ord_telephone" value="60122332233">

<input type="hidden" name="ord_email" value="johndoe@grr.la">

<input type="hidden" name="ord_delcharges" value="0.00">

<input type="hidden" name="ord_svccharges" value="0.00">

<input type="text" name="ord_mercID" value="80000155">

<input type="text" name="merchant_hashvalue" value="97255967d2f4fcd63a580899ed358797a0295114">

<input type="text" name="version" value="2.0">

<input type="text" name="ord_returnURL" value="http://yourdomain.com.my/return.php">

<input type="submit" name="submit" value="Pay with kiplePay">

</form>

</BODY>

</HTML>

_{SAMPLE RETURN PARAMETERS:}

{

"ord_shipname":"John Doe",

"ord_email":"johndoe@grr.la",

"ord_mercID":"80000155",

"ord_date":"2020-03-25 07:03:16",

"ord_totalamt":"10",

"ord_shipcountry":"MY",

"ord_telephone":"60122332233",

"ord_mercref":"112233-testreference",

"ord_gstamt":"0.0",

"ord_svccharges":"0.0",

"ord_delcharges":"0.0",

"ord_returnURL":"http:\/\/localhost\/webcash\/return.php",

"wcID":2552552,

"returncode":"100",

"ord_key":"16023d1e20b2fe42c515316864a9862531504c74",

"version":"2",

"payment_type":"Bank",

"bank_reference":"2006181725560886",

"entry_id":"FPX13967489",

"raw_error_description":"Approved"

}

How do I get my Merchant ID and Secret Key?

Once your application have been approved, you will immediately receive your application confirmation email together with your unique merchant secret key
(merchant_hashvalue) from us along with your merchant ID (ord_mercID).

How do I generate a merchant hash value

merchant_hashvalue is generated using HMAC hashing algorithm with SHA1 on the concatenation of the values of merchant_secret, ord_mercID, ord_mercref and ord_totalamt.

Remove the dot symbol (.) from the ord_totalamt parameter, if the value contains decimal value.

E.g. 10.55 => 1055, 25.00 => 2500, 10 => 10

$amount = str_replace('.', '', $ord_totalamt); echo sha1($merchant_secret . $ord_mercID . $ord_mercref . $amount);

echo sha1($merchant_secret . $ord_mercID . $ord_mercref . $amount);

merchant_secret and ord_mercID will be provided after successful registration on kipleBiz

What are the payment_code available for each payment method?

Payment Code	Payment Processor
CC	Credit Card
AFBB	AFFIN Bank
ALBB	Alliance Bank
AMBB	AMBank
BIBB	Bank Islam
BKRB	Bank Kerjasama Rakyat
BMMB	Bank Muamalat
BSNB	Bank Simpanan Nasional
CIMB	CIMB Clicks
HLBB	Hong Leong
HSBC	HSBC
KFHB	Kuwait Finance House
MYBB	Maybank2u
MYBB2E	Maybank2e
OCBC	OCBC Bank
PUBB	Public Bank
RHBB	RHB Now
SCBB	Standard Chartered
UOBB	United Overseas Bank
DSBB	DEUTSCHE BANK
WECHAT	WECHAT
ALIPAY	ALIPAY
WEBCASH	Kiple e-Wallet
BOOST	Boost e-Wallet
TNG	TnG e-Wallet

What are the shopping carts supported and where do I get the plugins?

The following shopping carts are supported by kipleBiz:

WooCommerce
Magento
WHMCS
Opencart
Prestashop
CubeCart
osCommerce

You may find the plugins at the following location on GitHub:

https://github.com/m2c

How do I create recurring payments via API?

Authenticate your account when using the API by including your Secret Key in the request:

*Your Secret Key will be given via email

To use your Secret Key, you will need to send this in HTTP Headers as
x-api-key: 29ds1000xds-zi4ZSj49d-K394jxcq32

URL will be returned for user redirect to add credit card information.

Staging:
POST https://gwstaging.webcash.com.my/v1/recurring/generate

Production
POST https://gw.webcash.com.my/v1/recurring/generate

Sample Request

<?php
	$url = 'https://gwstaging.webcash.com.my/v1/recurring/generate';

	$api_key = 'mQi80o5RhL0001Zy0155nWd5yhPzs55x';

	$merchant_id = '80000155';
	$unique_user_id = '123' . date('Ymdhms');
	$registered_name = 'John Doe';

	$email = 'johndoe@grr.la';

	$mobile_number = '60122332233';

	$description = 'Test Recurring Payment';

	$frequency = 'monthly';

	$recurrence = 'perpetually';

	$charging_date = '18';

	$start_date = '2020-03-18';

	$amount = '10';

	$return_url = 'http://localhost:8000/testpage/kiple-return.php';

	$response_url = 'http://localhost:8000/testpage/kiple-callback.php';
	// Build Query String

	$data = array(

						"merchant_id" => $merchant_id,

						"unique_user_id" => $unique_user_id,

						"registered_name" => $registered_name,

						"email" => $email,

						"mobile_number" => $mobile_number,

						"description" => $description,

						"frequency" => $frequency,

						"recurrence" => $recurrence,

						"charging_date" => $charging_date,

						"start_date" => $start_date,

						"amount" => $amount,

						"return_url" => $return_url,

						"response_url" => $response_url

					);

	$data_string = json_encode($data);
	$ch = curl_init();
	curl_setopt($ch, CURLOPT_HEADER, 0);

	curl_setopt($ch, CURLOPT_TIMEOUT, 600);

	curl_setopt($ch, CURLOPT_URL, $url);

	curl_setopt($ch, CURLOPT_POST, 1);

	curl_setopt($ch, CURLOPT_POSTFIELDS, $data_string);

	curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);		// wait for reply and get result

	curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, false);
	curl_setopt($ch, CURLOPT_HTTPHEADER, array(

		'Content-Type: application/json',

		'Content-Length: ' . strlen($data_string),

		'x-api-key: ' . $api_key));  
	$json_return = curl_exec($ch);

	curl_close($ch);

	echo $json_return;
	// get data from json string

	$json = json_decode($json_return,true);

?>

Sample Return Parameters

{

     "success": true,

     "data": {

         "timestamp": "2020-03-17T14:28:24+08:00",

         "url": "https://gwstaging.webcash.com.my/v1/recurring/add-user-card/94626aa85f0442a9faaed578d9129b4d"

     },

     "code": "success",

     "message": "Success"

}

How do I create recurring payments via the Hosted Checkout Payment Page?

You can create a recurring payment order directly via the kipleBiz hosted checkout payment page.

HTTP Request

Staging:
POST https://uat.kiplepay.com/wcgatewayinit.php

Production:
POST https://kiplepay.com/wcgatewayinit.php

Sample Request

<HTML>

<BODY>

<form action="https://uat.kiplepay.com/wcgatewayinit.php>" method="post">

<input type="text" name="ord_date" value="2020-03-25 07:03:16">

<input type="text" name="ord_totalamt" value="10" />

<input type="hidden" name="ord_gstamt" value="0.00" />

<input type="hidden" name="ord_shipname" value="John Doe">

<input type="hidden" name="ord_shipcountry" value="Malaysia">

<input type="text" name="ord_mercref" value="112233-testreference">

<input type="hidden" name="ord_telephone" value="60122332233">

<input type="hidden" name="ord_email" value="johndoe@grr.la">

<input type="hidden" name="ord_delcharges" value="0.00">

<input type="hidden" name="ord_svccharges" value="0.00">

<input type="text" name="ord_mercID" value="80000155">

<input type="text" name="merchant_hashvalue" value="97255967d2f4fcd63a580899ed358797a0295114">

<input type="text" name="version" value="2.0">

<input type="text" name="payment_code" value="CC">

<input type="text" name="ord_recurring_enable" value="1">

<input type="text" name="ord_recurring_frequency" value="monthly">

<input type="text" name="ord_recurring_recurrence" value="2">

<input type="text" name="ord_returnURL" value="http://yourdomain.com.my/return.php">

<input type="submit" name="submit" value="Pay with kiplePay">

</form>

</BODY>

</HTML>

Sample Return Request

{

"ord_shipname":"John Doe",

"ord_email":"johndoe@grr.la",

"ord_mercID":"80000155",

"ord_date":"2020-03-25 07:03:16",

"ord_totalamt":"10",

"ord_shipcountry":"MY",

"ord_telephone":"60122332233",

"ord_mercref":"112233-testreference",

"ord_gstamt":"0.0",

"ord_svccharges":"0.0",

"ord_delcharges":"0.0",

"ord_returnURL":"http:\/\/localhost\/webcash\/return.php",

"ord_recurring_enable":"1",

"ord_recurring_start_date":"25/03/2020",

"ord_recurring_charging_date":"25",

"wcID":2552552,

"returncode":"100",

"ord_key":"16023d1e20b2fe42c515316864a9862531504c74",

"version":"2",

"payment_type":"CC",

"bank_reference":"",

"entry_id":"",

"raw_error_description":"Approved"

}

Customers can select the Frequency & Recurrence, e.g. Frequency = Monthly, Recurrence = 6

*There will not be any RM1 Pre-Auth charged to card using this method. However, first full charge to card will be made immediately after recurring payment is configured.

**Recurring Payments can only be made with a Credit Card

What are the parameter required to be posted to kipleBiz Payment Connector?

Description

Field Name

Type

Order Date

ord_date

Mandatory

Order Total

ord_totalamt

Mandatory

GST Amount

ord_gstamt

Mandatory (must be 0.00)

Ship to Name

ord_shipname

Mandatory

Ship to Country

ord_shipcountry

Optional

Order Ref

ord_mercref

Mandatory

Telephone

ord_telephone

Optional

E-Mail

ord_email

Optional

Delivery Charges

ord_delcharges

Optional

Service Charges

ord_svccharges

Optional

Enable Recurring

ord_recurring_enable

Mandatory (0 or 1)

Set the frequency for recurring

ord_recurring_frequency

Mandatory (quarterly or monthly)

Set the start date

ord_recurring_start_date

Mandatory (System will default to current date)

Set how many times you want charge

ord_recurring_recurrence

Mandatory (1,2,3…perpetually)

Set the date of charging

ord_recurring_charging_date

Mandatory (System will default to current date)

Custom Field 1

ord_customfield1

Optional

Custom Field 2

ord_customfield2

Optional

Custom Field 3

ord_customfield3

Optional

Custom Field 4

ord_customfield4

Optional

Merchant ID

ord_mercID

Mandatory

Return URL

ord_returnURL

Mandatory

Merchant Hash Value

merchant_hashvalue

Mandatory

Payment Code

payment_code

Optional (e.g “CC” or “WEBCASH”)

Version

version

Optional (e.g “2.0”)

Where can i find the API Documents?

You can find the API Document in the link below:

(kipleBiz API Documents)

Where can I find sample codes to begin with?

You will find a simplified sample codes in PHP at the following location:

https://github.com/m2c/php-sdk

Settlement

How long does Settlement take?

We provide a T+2 Working Days Payout.

As an example T+2 working days payout will be made as such:

For transactions on Monday, settlement shall be on Wednesday, assuming there are no holidays during the week. For the avoidance of doubt, the T or transaction date is counted as a separate day.

How long does Settlement take?

We provide a T+2 Working Days Payout.

As an example T+2 working days payout will be made as such:

For transactions on Monday, settlement shall be on Wednesday, assuming there are no holidays during the week. For the avoidance of doubt, the T or transaction date is counted as a separate day.

Are there any restriction or limit on credit/debit card transactions

kipleBiz only accepts 3D Secure authenticated card transactions. This means that transactions going through kipleBiz will be redirected to card holder’s debit or credit card provider 3D secure page. User will be required to key in an authentication code which will be sent automatically via SMS.

All transaction requests will be processed by card issuing bank and is dependent on the credit limit availability in cardholder’s account.

I don't have a website, can i still use kipleBiz to accept online payments?

Yes. We have a 1-Click payment solution that suits sellers without an e-commerce website/shopping cart, but are interested to accept payment from their potential customers.

What happens if a buyer's account has been deducted but it is shown as failed on kipleBiz?

There are times when the banking or payment processing system fail to respond the payment status to kipleBiz, please contact support@kiplebiz.com to lodged a ticket with our Customer Service Team to assist you.

1-Click Payment

Are there any additional Fees imposed if I would like to subscribe to the 1-Click Payment service?

Yes, there is a subscription fee imposed if you would like to use the 1-Click Payment Service. Please contact your Account Manager for more information.

Are there any additional Fees imposed if I would like to subscribe to the 1-Click Payment service?

Yes, there is a subscription fee imposed if you would like to use the 1-Click Payment Service. Please contact your Account Manager for more information.

Is there a limit to the quantity of products being created?

No, there is no limit. You can create as many products as you need.

Will I receive a payment notification after a payment has been made by a customer?

Yes, you will be notififed immediately when a payment has been made via email.

Will the stock balance automatically be deducted after each sales?

No, we do not have a dynamic Stock Inventory system at the moment. The static stock balance is for checking of inventory before a customer makes payment.

We recommend that you manage your stock balance manually for now.

How many branded-links can I generate?

As a seller, you can generate an unlimited number of branded-links. Each branded-link will showcase a unique product.

Are there any limits that I should be aware of? (Unit Price, Stock Quantity & Transaction Amount)

Please take note of the following limits:

Unit Price: RM 30,000 per product

Stock Quantity: 50,000 Units per product

Payment/Transaction Amount: RM 30,000 per transaction

How do I issue a payment link for a group of products for my customers?

You are advised to use the eInvoice feature which is available Free-of-Charge to all sellers. You can add multiple products and use the [Copy Link] button to send an eInvoice to your customers.

Description	Field Name	Type
Order Date	ord_date	Mandatory
Order Total	ord_totalamt	Mandatory
GST Amount	ord_gstamt	Mandatory (must be 0.00)
Ship to Name	ord_shipname	Mandatory
Ship to Country	ord_shipcountry	Optional
Order Ref	ord_mercref	Mandatory
Telephone	ord_telephone	Optional
E-Mail	ord_email	Optional
Delivery Charges	ord_delcharges	Optional
Service Charges	ord_svccharges	Optional
Enable Recurring	ord_recurring_enable	Mandatory (0 or 1)
Set the frequency for recurring	ord_recurring_frequency	Mandatory (quarterly or monthly)
Set the start date	ord_recurring_start_date	Mandatory (System will default to current date)
Set how many times you want charge	ord_recurring_recurrence	Mandatory (1,2,3…perpetually)
Set the date of charging	ord_recurring_charging_date	Mandatory (System will default to current date)
Custom Field 1	ord_customfield1	Optional
Custom Field 2	ord_customfield2	Optional
Custom Field 3	ord_customfield3	Optional
Custom Field 4	ord_customfield4	Optional
Merchant ID	ord_mercID	Mandatory
Return URL	ord_returnURL	Mandatory
Merchant Hash Value	merchant_hashvalue	Mandatory
Payment Code	payment_code	Optional (e.g “CC” or “WEBCASH”)
Version	version	Optional (e.g “2.0”)

Table of Contents

General

How do I subscribe to kipleBiz Payment Solution?

How do I subscribe to kipleBiz Payment Solution?

How long does the application process take?

Payment Methods

What are the payment options supported by kipleBiz?

What are the payment options supported by kipleBiz?

Are there any restriction or limit on credit/debit card transactions

I don't have a website, can i still use kipleBiz to accept online payments?

What happens if a buyer's account has been deducted but it is shown as failed on kipleBiz?

Integration

What is the kipleBiz Hosted Checkout Payment Page?

What is the kipleBiz Hosted Checkout Payment Page?

How do I create an Order via the Hosted Checkout Payment Method?

HTTP REQUEST

SAMPLE REQUEST

SAMPLE RETURN PARAMETERS:

How do I get my Merchant ID and Secret Key?

How do I generate a merchant hash value

What are the payment_code available for each payment method?

What are the shopping carts supported and where do I get the plugins?

How do I create recurring payments via API?

How do I create recurring payments via the Hosted Checkout Payment Page?

What are the parameter required to be posted to kipleBiz Payment Connector?

Where can i find the API Documents?

Where can I find sample codes to begin with?

Settlement

How long does Settlement take?

How long does Settlement take?

Are there any restriction or limit on credit/debit card transactions

I don't have a website, can i still use kipleBiz to accept online payments?

What happens if a buyer's account has been deducted but it is shown as failed on kipleBiz?

1-Click Payment

Are there any additional Fees imposed if I would like to subscribe to the 1-Click Payment service?

Are there any additional Fees imposed if I would like to subscribe to the 1-Click Payment service?

Is there a limit to the quantity of products being created?

Will I receive a payment notification after a payment has been made by a customer?

Will the stock balance automatically be deducted after each sales?

How many branded-links can I generate?

Are there any limits that I should be aware of? (Unit Price, Stock Quantity & Transaction Amount)

How do I issue a payment link for a group of products for my customers?

_{HTTP REQUEST}

_{SAMPLE REQUEST}

_{SAMPLE RETURN PARAMETERS:}