ReservationHub
Pre-integrated Payment gateway

FPX integration on ReservationHub

FPX (Financial Process Exchange) is Malaysia's real-time online banking payment system, operated by Payments Network Malaysia (PayNet), which Bank Negara Malaysia lists as an approved payment system operator. Launched in 2004, it lets customers pay merchants from personal or corporate internet banking accounts at 22 participating banks (2026).

About FPX

FPX, short for Financial Process Exchange, launched in 2004 and is operated by Payments Network Malaysia Sdn Bhd (PayNet). PayNet was formed through a merger in 2017 and appears in Bank Negara Malaysia's directory as an approved payment system operator. FPX sits alongside PayNet's other national services, such as DuitNow and MyDebit.

At checkout the customer picks their bank and signs in to their own internet banking, with multi-factor authentication such as a one-time password. Funds are debited from the customer's account and credited to the merchant straight away, and the merchant receives instant confirmation. PayNet lists 22 participating banks (2026), including Maybank, CIMB, Public Bank and HSBC. FPX accepts payments from both personal and corporate accounts, and some banks use separate codes for retail (B2C) and business (B2B) payments. The service runs around the clock at most banks.

PayNet describes two routes for businesses: register through an acquiring bank by completing an FPX merchant registration form, or connect through a third-party acquirer or exchange that already supports FPX. Either way the business needs a business bank account to receive funds. For travel agencies serving Malaysia, FPX gives customers a bank-account checkout with no card involved.

What you can sell

  • Online banking payments from 22 Malaysian banks
  • Payments from personal (B2C) and corporate (B2B) accounts
  • Instant payment confirmation
  • 24/7 payments at most participating banks

How to connect FPX

  1. Open a merchant accountSign your merchant agreement with FPX.
  2. Plug in credentialsAdd your merchant credentials to ReservationHub; the gateway is already integrated.
  3. Choose where it appliesUse it at checkout in your booking flows.
  4. Go livePayments are processed in real time and recorded against the booking.

Who uses it

Online travel agencies in MalaysiaOffer FPX next to cards so customers can pay for flights and hotels from their bank account.
B2B portals and corporate travelLet companies and sub-agents pay invoices or top up balances from corporate internet banking.
Holiday and Umrah sellersCollect larger package payments by bank transfer without card fees for the customer.

FPX integration: FAQ

Does ReservationHub integrate with FPX?
Yes. FPX is pre-integrated and listed on the ReservationHub partners page. You obtain FPX merchant credentials through your acquiring bank or acquirer, add them to your ReservationHub account and use FPX at checkout in your booking flows.
How do I get an FPX merchant account?
PayNet describes two routes: register through an acquiring bank using the FPX merchant registration form, or go through a third-party acquirer or exchange. You need a business bank account to receive funds. Your agreement sets fees and limits; ReservationHub does not provide the merchant account itself.
Who operates FPX?
FPX is operated by Payments Network Malaysia Sdn Bhd (PayNet), which Bank Negara Malaysia lists as an approved payment system operator. PayNet also runs national payment services such as DuitNow and MyDebit.
Can corporate customers pay by FPX?
Yes. FPX accepts payments from both personal and corporate internet banking accounts. Some participating banks use separate codes for retail (B2C) and business (B2B) payments, so corporate clients and sub-agents can pay from company accounts.

Sell FPX content with the rest of your suppliers

Book a demo and we will show FPX running alongside GDS, NDC, low-cost and hotel content in one platform.

Book a demo

Sources

  1. PayNet — FPX for business
  2. PayNet Knowledge Base — What is FPX (Financial Process Exchange)?
  3. PayNet Knowledge Base — Which banks participate in FPX?
  4. PayNet — Our story
  5. Bank Negara Malaysia — FSP directory: Payments Network Malaysia Sdn Bhd (PayNet)

Updated . FPX is a trademark of its owner; it is named here to describe a technical integration and does not imply endorsement.