DuitNow
Malaysia’s real-time interbank rail with proxy addressing.
DuitNow is a real-time payment rail routed by KeyBS Pay. Malaysia’s real-time interbank rail with proxy addressing.
Payouts routed through DuitNow settle to beneficiary accounts in MY. Where DuitNow is available for the destination country, it is the default rail for eligible payouts.
Every DuitNow payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a DuitNow payout moves through KeyBS Pay
DuitNow settles in real-time on eligible MYR destinations.
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Frequently asked questions
What is DuitNow?
Malaysia’s real-time interbank rail with proxy addressing.
How fast is DuitNow?
Real-time. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through DuitNow?
MY. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on DuitNow.
What currencies are supported on DuitNow?
MYR is the primary settlement currency for DuitNow. Multi-currency corridors are supported where the rail permits.
What limits apply on DuitNow?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is DuitNow available 24/7?
Real-time rails (including DuitNow) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate DuitNow?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is DuitNow regulated?
Yes. KeyBS Pay routes DuitNow payouts only through partners licensed for the destination corridor.
Can I get a DuitNow settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a DuitNow payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for DuitNow?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use DuitNow for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on DuitNow?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does DuitNow support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use DuitNow most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of DuitNow on the KeyBS Pay platform.
Route your first DuitNow payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.