Mcash is one of the popular payment options in Malaysia with more than 500,000 community members, utilizing its micro-payment services at more than 10,000 merchants networks, bill payment, airtime reload, e-parking, and other attractive & rewarding features. This payment option allows customers to complete their payments by using e-wallets or online banking.

Features

Processing currencies	MYR
Settlement currencies	USD
Minimum transaction amount	0.01 MYR
Maximum transaction amount	2500 MYR
Refunds	❌
Partial Refunds	❌
Multiple partial refund	❌
Chargeback	❌

Integration Method

Payment method enumeration values: mcash

There is integration method for Mcash

1. Direct API
2. Checkout

Direct API

How to integration

For direct API integration, you can create a PaymentIntent and get url in only one step. The following is the demo of creating payment intent:

Create a PaymentIntent

A PaymentIntent is an object that represents your intent to collect payment from your customer and tracks the lifecycle of the payment process. Create a PaymentIntent on your server and specify the amount to collect and a supported currency. If you have an existing Payment Intents integration, add mcash to the list of payment method types.

Request Create a PaymentIntent

{
    "amount": 100,
    "currency": "MYR",
    "confirm": true,
    "payment_method_data": {
        "type": "mcash"
    },
    "return_url": "https://www.baidu.com"
}

Response

{
    "id": "pi_1746739336788836352",
    "object": "payment_intent",
    "created": 1705290085000,
    "livemode": true,
    "currency": "MYR",
    "amount": 100,
    "status": "requires_action",
    "client_secret": "pi_1746739336788836352_secret_aZ7BhxaogQOUj6SLE6MryW2m",
    "next_action": {
        "type": "mcash_handle_redirect",
        "mcash_handle_redirect": {
            "url": "https://api.wooshpay.com/v1/receives/c12/pay/pi_1746739336788836352"
        }
    },
    "payment_method_types": [
        "mcash"
    ],
    "confirmation_method": "automatic",
    "return_url": "https://www.baidu.com",
    "payment_method": "pm_1746739336692367360",
    "capture_method": "automatic"
}

Checkout

Payment flow

1. Customer selects Mcash from the list of payment methods available and clicks on the Pay botton

2. Customers will be redirected to Mcash's page. Scan QR and approve the payment

Create a Session

Request

{
    "cancel_url": "www.wooshpay.com",
    "mode": "payment",
    "success_url": "https://wooshpay.com/",
    "payment_method_types": ["mcash"],
    "line_items": [
        {
            "price_data": {
                "currency": "PHP",
                "unit_amount": 1000,
                "nickname": "apple",
                "product_data": {
                    "name": "apple",
                    "description": "very delicious",
                    "url": "www.wooshpay.com"
                }
            },
            "quantity": 1
        }
    ]
}

Response

{
    "id": "cs_1747086874888896512",
    "object": "checkout.session",
    "created": 1705372945000,
    "livemode": true,
    "currency": "PHP",
    "customer": "",
    "mode": "payment",
    "status": "open",
    "url": "https://checkout.wooshpay.com/pay/cs_1747086874888896512?key=cGtfbGl2ZV9OVEUxT1RVMk1UWTJPVFl6T0RrNU9UWTFORFF4T2tGYVFtaFZPRmt4UlRWS01GUm5jbkpPY25kSFNtZHBVREUyTmpreU5UazJOREF5TlRVPQ==",
    "cancel_url": "www.wooshpay.com",
    "line_items": {
        "object": "list",
        "data": [
            {
                "id": "li_1747086874909868032",
                "object": "item",
                "currency": "PHP",
                "description": "apple",
                "price": {
                    "id": "price_1747086874918256640",
                    "object": "price",
                    "created": 1705372945000,
                    "livemode": true,
                    "active": false,
                    "currency": "PHP",
                    "nickname": "apple",
                    "product": {
                        "id": "prod_1747086874930839552",
                        "object": "product",
                        "created": 1705372945000,
                        "livemode": true,
                        "active": false,
                        "description": "very delicious",
                        "name": "apple",
                        "url": "www.wooshpay.com",
                        "updated": 1705372945000
                    },
                    "type": "one_time",
                    "unit_amount": 1000,
                    "billing_scheme": "per_unit"
                },
                "quantity": 1,
                "amount_subtotal": 1000,
                "amount_total": 1000
            }
        ]
    },
    "payment_intent": "pi_1747086876705030144",
    "payment_method_types": [
        "mcash"
    ],
    "payment_status": "unpaid",
    "success_url": "https://wooshpay.com/",
    "amount_subtotal": 1000,
    "amount_total": 1000,
    "billing_address_collection": "auto",
    "expires_at": 1705459344937,
    "payment_link": "",
    "client_secret": "pi_1747086876705030144_secret_ulML07OMYByRHYtPSQjO5Zrq"
}

Next step

You can add more features to your integration as needed

Create a Webhook

Listen to events on your WooshPay account so your integration can automatically trigger reactions. Create a webhook that mainly focuses on enabled_events and url.

Create a Refund

Create a refund to repay funds to your customer. You can also perform partial refunds, but not every payment method supports them. A partial refund is when you refund only part of the original transaction amount.