Table of Contents
General
How do I subscribe to kipleBiz Payment Solution?
Sign up with us here https://kiplebiz.com/registration/
How do I subscribe to kipleBiz Payment Solution?
Sign up with us here https://kiplebiz.com/registration/
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?
What is the kipleBiz Hosted Checkout Payment Page?
How do I create an Order via the Hosted Checkout Payment Method?
HTTP REQUEST
Staging:
POST https://uat.kiplepay.com/wcgatewayinit.php
Production:
POST https://kiplepay.com/wcgatewayinit.php
SAMPLE REQUEST
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
<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:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
{
"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
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
1
2
$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 |
|
|
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:
How do I create recurring payments via API?
*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
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
<?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
1
2
3
4
5
6
7
8
9
{
"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
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
<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
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
{
"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 |
|
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:
Where can I find sample codes to begin with?
You will find a simplified sample codes in PHP at the following location:
Settlement
How long does Settlement take?
How long does Settlement take?
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.