This is a payment fl ow that requires the buyer to interact during the payment process. Once a wallet issuer or operator detects any high-risk transaction, manual payment authorization will be prompted in the APP and internet access is required to complete the authorization process in some cases.
For Wechat Pay Malaysia, whenever the transaction amount is greater than MYR100.00, or conducts more than 5 times payment a day, payment PIN will be required to approve the transaction.
For Alipay & Touch ‘n Go eWallet, any unusual activity might trigger a request for Payment PIN or OTP via SMS, in order to approve the transaction.
Buyer will be requested to set payment PIN for security reason
Buyer can actually disable the payment PIN for small transaction amount in “Quick Pay Settings”
Payment without PIN: After turning on, PIN is not required when each transaction is no more than RM100 and the transaction count does not exceed 5 transactions a day.
In case the payment flow needs approval from the buyer, POS or terminal will need to send status inquiry every 10 seconds for at least 60 seconds or 6 times, and display proper message on the screen that “waiting for buyer approval” or “waiting for buyer to enter payment PIN”. If still not able to get the approval status, sending a VOID (REVERSAL) request to cancel the payment regardless of the status.