How money moves on this rail, in 12 sourced records: what is final, what can be returned, recalled or refunded, who decides, and what the limits are. A profile belongs to the rulebook, so no reason code list is published on this page.
On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.
Not yet covered: this directory holds rail facts drawn from Bank Negara Malaysia's public policy documents and from participants' own published terms; the operator's scheme rules, technical standards and code lists are not public or are held under the operator's own terms and were not consulted; no reason code records exist for this rail; DuitNow reject and response codes are held pending Dave's decision on the operator's portal terms (docs/rails/my-duitnow.md); the Policy Document on Financial Institutions' Response to Fraud (issued 2026-06-30) was not located on BNM's site, so liability, recall and decision-points do not reflect it; whether the Real-time Retail Payments Platform holds a certificate of finality under FSA 2013 section 38 was not established; how a failed or rejected transfer is returned between participants, and on what clock, is set in the operator's rules and is not described in any BNM text read; DuitNow QR, Request, AutoDebit and cross-border services are named where BNM text covers them but have no facts of their own.