General

How do I subscribe to kipleBiz Payment Solution?
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?

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.

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

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    <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:

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    {
    "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

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    $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

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    <?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

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    {
    "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

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    <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

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    {
    "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.