RHB PAY Adds DuitNow Pay For Online And Recurring Payments

RHB Bank has integrated DuitNow Pay into its proprietary RHB PAY payment gateway, enabling Malaysian merchants to process both one-off digital purchases and recurring collections through a unified platform. Announced on 12 November 2026, the update incorporates Payments Network Malaysia's (PayNet) DuitNow Online Banking/Wallets (DOBW) and DuitNow AutoDebit (DNAD) mechanisms. According to RHB, it is currently the only commercial bank in Malaysia supporting both PayNet payment services via a single gateway integration. The rollout allows commercial clients to migrate from legacy FPX and DirectDebit systems, settling customer transactions and recurring subscription billings directly into their RHB accounts with real-time clearing.

Key Facts

The integration consolidates PayNet digital payment mechanisms into RHB Bank's existing commercial gateway infrastructure, which launched in August 2026. RHB PAY is currently the only payment gateway in Malaysia to support both DuitNow Online Banking/Wallets and DuitNow AutoDebit through a single integration.

How Does DuitNow Pay Operate Within RHB PAY?

DuitNow Pay within the RHB PAY gateway operates by combining Payments Network Malaysia's DuitNow Online Banking/Wallets (DOBW) and DuitNow AutoDebit (DNAD) into one checkout system. This architecture allows merchants to accept real-time checkout payments from participating domestic banks and digital wallets while simultaneously establishing recurring mandates for automated subscription billing.

Under the DOBW mechanism, retail consumers choose their preferred participating bank or e-wallet directly on the merchant's checkout page to complete a purchase. In contrast, DNAD requires a single customer authorisation to establish automated recurring billing. Merchants can subsequently collect scheduled payments for services such as subscription plans, monthly utility accounts, and recurring membership dues without prompting the buyer to execute manual transactions each month. DuitNow AutoDebit enables merchants to automate recurring collections after a single customer authorisation without requiring manual initiation for subsequent billing cycles.

What Other Services Are Integrated into RHB PAY?

RHB PAY functions as an enterprise multi-channel payment engine, integrating standard credit and debit card processing, legacy FPX online banking, and DuitNow Request to Pay alongside DuitNow Pay. The infrastructure provides commercial enterprises with unified technical documentation, automated financial reconciliation tools, and direct account settlement to reduce manual administrative overhead.

Originally introduced in August 2026, the proprietary bank-owned platform also includes DuitNow Request to Pay functionality. This service enables registered businesses to push digital invoice requests directly into a customer's participating mobile banking application. End users review the detailed billing parameters within their banking interface and approve payment immediately, reducing paper trails and manual payment errors. RHB PAY combines card payments, FPX transfers, and DuitNow Request to Pay into a unified gateway offering real-time settlement and automated reconciliation.

What It Means for Malaysian Buyers

For Malaysian consumers and enterprise merchants, the update simplifies recurring digital transactions by unifying fragmented payment methods under PayNet's regulated national infrastructure. Shoppers avoid repeated manual bank transfers for recurring services, while domestic vendors reduce operational complexity by replacing separate FPX and DirectDebit merchant contracts with a single RHB settlement facility.

Malaysian consumers gain direct access to subscription services using local bank accounts and supported e-wallets without depending exclusively on payment cards. For businesses, adopting the unified gateway allows an orderly transition from older DirectDebit arrangements to DuitNow Pay. Real-time clearing ensures funds deposit immediately into corporate RHB accounts rather than remaining in third-party intermediary holding pools. Merchants transitioning to the expanded RHB PAY platform consolidate separate FPX and DirectDebit workflows into direct settlement within their RHB corporate accounts.

Common Questions

The updated gateway resolves long-standing fragmentation across Malaysian e-commerce checkout systems by unifying real-time debiting and recurring collection mandates under PayNet standards. RHB PAY requires a single merchant integration to support both one-off and recurring PayNet payment services directly.

Which payment methods does the updated RHB PAY platform support?

The updated RHB PAY gateway supports DuitNow Pay—incorporating DuitNow Online Banking/Wallets (DOBW) and DuitNow AutoDebit (DNAD)—alongside standard credit and debit card payments, FPX online banking, and DuitNow Request to Pay invoice processing.

How does DuitNow AutoDebit handle recurring payments?

DuitNow AutoDebit requires customers to grant a one-time digital authorisation during checkout. Merchants can subsequently initiate automated collections for monthly subscriptions, membership dues, and recurring utility bills according to contracted terms without requiring manual intervention from the customer.

When was RHB PAY launched and where are funds deposited?

RHB Bank originally introduced the proprietary RHB PAY payment platform in August 2026. All transaction proceeds processed through the gateway are settled in real time and credited directly into the merchant's designated RHB corporate bank account.

Sources and Methodology

This report evaluates official platform documentation and commercial communications issued by RHB Bank Berhad on 12 November 2026 regarding its enterprise payment infrastructure. All details are sourced directly from the official RHB Bank press release detailing its DuitNow Pay gateway integration.

• Primary source: RHB Bank official press release via Lowyat.NET (published 12 November 2026).
• Network framework: Payments Network Malaysia (PayNet) specifications for DuitNow Online Banking/Wallets (DOBW) and DuitNow AutoDebit (DNAD).
• Currency and pricing: No currency conversions were applied; all transaction channels operate in Malaysian Ringgit (RM).