Transaction v1.4.1

Version	Changes	Date Updated

Version	Changes	Date Updated
v1.4.1	Changed merchant_name to Optional (only if available).	May 22, 2026
v1.4	Added EPF Data Structure Added transaction_id field in Transaction Object Updated the definition of transaction_date to refer to the actual transaction date.	Mar 19, 2026
v1.3	Changed account_number to account_id instead as the unique identifier for the account. Renamed posted_at to transaction_date. Renamed funds_direction to credit_debit_indicator. Renamed base_currency to foreign_currency_amount. Changed enums for transfer_method and transfer_submethod. Renamed external_transaction_reference1 to recipient_reference. Renamed external_transaction_reference2 to other_payment_description. Added is_settled field in Transaction Object	Dec 19, 2025
v1.2.1	First publication

Transaction Object

#	Parent field	Child field	Grandchild field	Description	Data type	Required	Possible values	Deposit (CASA)	Loans	Credit Card	EPF
							Possible values (Values are exhaustive if Data type = Enum or Boolean)
1	accounts
2		account_id		A unique, immutable identifier assigned to the Account Number by DP during authorization.	String	Mandatory
3	transaction
		transaction_id		Unique identifier assigned by the DP to represent a specific account transaction record.	String	Mandatory
4		transaction_date		The date and time when the transaction is officially made by the financial institution and reflected in the account balance. Timestamp must be in MYT. All date-time values must follow ISO 8601 format and include time zone.	StringDateTime	Mandatory	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00	(EPF Transactions does not specify the time) 2025-06-15T00:00:00+08:00
5		credit_debit_indicator		Indicates the flow of funds in a transaction, specifying whether money is incoming or outgoing. Debit refers to money leaving the account, Credit refers to money coming into the account.	Enum, String	Mandatory	credit debit	credit debit	credit debit	credit debit	credit debit
6		amount				Mandatory
7			amount	Transaction amount in the account currency. Amount in the base currency (local currency) in which the account in held.	Amount, Decimal(10,2)		23.78	23.78	23.78	23.78	1468.00
8			currency	Identification of the currency in which the account is held. A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'.	String		MYR	MYR	MYR	MYR	MYR
9		foreign_currency_amount				Required if type = credit OR deposit AND the transaction is made outside Malaysia ELSE, this field is nullable.
10			amount	For foreign currency transactions, this amount is transaction amount expressed in the foreign currency. The field must be included for transactions carried out in a foreign currency.	Decimal(10,2)		1890.70	1890.70	null	1890.70	null
11			currency	A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'.	String		USD AUD HKD	USD	null	USD	null
12		transfer_method		Categorizes the transaction based on its method The transfer method field corresponds to the transfer sub type field with the following mapping: Transfer type - Funds transfer duitnow_transfer intrabank bank_adjustment ibg shared_atm_network_ibft rtgs others Transfer type - Online Payment fpx obw duitnow_pay debit_card_not_present others Transfer type - Recurring Payment direct_debit auto_debit others Transfer type - Bill Payment jompay others Transfer type - Instore Payment duitnow_qr debit_card others Transfer type - Cheque espick others Transfer type - Cash Withdrawal shared_atm_network mydebit_cash_out dnqr_cash_out others Transfer type - Cash Deposit shared_atm_network others Transfer type - Others others	Enum, String	Required if type = deposit ELSE, this field is nullable.	funds_transfer online_payment recurring_payment bill_payment instore_payment cheque cash_withdrawal cash_deposit others	funds_transfer online_payment recurring_payment bill_payment instore_payment cheque cash_withdrawal cash_deposit others	null	null	null
13		transfer_submethod			Enum, String	Required if type = deposit ELSE, this field is nullable.	duitnow_transfer intrabank bank_adjustment ibg shared_atm_network_ibft rtgs others fpx obw duitnow_pay debit_card_not_present direct_debit auto_debit jompay duitnow_qr debit_card espick shared_atm_network mydebit_cash_out dnqr_cash_out others	duitnow_transfer intrabank bank_adjustment ibg shared_atm_network_ibft rtgs others fpx obw duitnow_pay debit_card_not_present direct_debit auto_debit jompay duitnow_qr debit_card espick shared_atm_network mydebit_cash_out dnqr_cash_out others	null	null	null
14		description		A description providing details about the transaction	String	Mandatory	DUITNOW JOHN DOE TEA LOAN/FIN. PYMT WATSONS SS20 SELANGOR interest payments added to balance	DUITNOW JOHN DOE TEA	LOAN/FIN. PYMT	WATSONS SS20 SELANGOR	Caruman Majikan Caruman Ahli Caruman Sukarela Pengeluaran
15		recipient_reference		Catchall field alowing banks to persist additional information regarding the transaction. Eg: DuitNow Reference ID.	String	Optional (only if available)	059023103N	059023103N	059023103N	059023103N	null