MY DuitNow QR Code Generator Sample

duitnow.js

String.prototype.padLeft = function (n, str) {
  if (n < String(this).length) {
    return this.toString();
  }
  else {
    return Array(n - String(this).length + 1).join(str || '0') + this;
  }
}

function crc16(s) {
  var crcTable = [0x0000, 0x1021, 0x2042, 0x3063, 0x4084, 0x50a5,
    0x60c6, 0x70e7, 0x8108, 0x9129, 0xa14a, 0xb16b,
    0xc18c, 0xd1ad, 0xe1ce, 0xf1ef, 0x1231, 0x0210,
    0x3273, 0x2252, 0x52b5, 0x4294, 0x72f7, 0x62d6,
    0x9339, 0x8318, 0xb37b, 0xa35a, 0xd3bd, 0xc39c,
    0xf3ff, 0xe3de, 0x2462, 0x3443, 0x0420, 0x1401,
    0x64e6, 0x74c7, 0x44a4, 0x5485, 0xa56a, 0xb54b,
    0x8528, 0x9509, 0xe5ee, 0xf5cf, 0xc5ac, 0xd58d,
    0x3653, 0x2672, 0x1611, 0x0630, 0x76d7, 0x66f6,
    0x5695, 0x46b4, 0xb75b, 0xa77a, 0x9719, 0x8738,
    0xf7df, 0xe7fe, 0xd79d, 0xc7bc, 0x48c4, 0x58e5,
    0x6886, 0x78a7, 0x0840, 0x1861, 0x2802, 0x3823,
    0xc9cc, 0xd9ed, 0xe98e, 0xf9af, 0x8948, 0x9969,
    0xa90a, 0xb92b, 0x5af5, 0x4ad4, 0x7ab7, 0x6a96,
    0x1a71, 0x0a50, 0x3a33, 0x2a12, 0xdbfd, 0xcbdc,
    0xfbbf, 0xeb9e, 0x9b79, 0x8b58, 0xbb3b, 0xab1a,
    0x6ca6, 0x7c87, 0x4ce4, 0x5cc5, 0x2c22, 0x3c03,
    0x0c60, 0x1c41, 0xedae, 0xfd8f, 0xcdec, 0xddcd,
    0xad2a, 0xbd0b, 0x8d68, 0x9d49, 0x7e97, 0x6eb6,
    0x5ed5, 0x4ef4, 0x3e13, 0x2e32, 0x1e51, 0x0e70,
    0xff9f, 0xefbe, 0xdfdd, 0xcffc, 0xbf1b, 0xaf3a,
    0x9f59, 0x8f78, 0x9188, 0x81a9, 0xb1ca, 0xa1eb,
    0xd10c, 0xc12d, 0xf14e, 0xe16f, 0x1080, 0x00a1,
    0x30c2, 0x20e3, 0x5004, 0x4025, 0x7046, 0x6067,
    0x83b9, 0x9398, 0xa3fb, 0xb3da, 0xc33d, 0xd31c,
    0xe37f, 0xf35e, 0x02b1, 0x1290, 0x22f3, 0x32d2,
    0x4235, 0x5214, 0x6277, 0x7256, 0xb5ea, 0xa5cb,
    0x95a8, 0x8589, 0xf56e, 0xe54f, 0xd52c, 0xc50d,
    0x34e2, 0x24c3, 0x14a0, 0x0481, 0x7466, 0x6447,
    0x5424, 0x4405, 0xa7db, 0xb7fa, 0x8799, 0x97b8,
    0xe75f, 0xf77e, 0xc71d, 0xd73c, 0x26d3, 0x36f2,
    0x0691, 0x16b0, 0x6657, 0x7676, 0x4615, 0x5634,
    0xd94c, 0xc96d, 0xf90e, 0xe92f, 0x99c8, 0x89e9,
    0xb98a, 0xa9ab, 0x5844, 0x4865, 0x7806, 0x6827,
    0x18c0, 0x08e1, 0x3882, 0x28a3, 0xcb7d, 0xdb5c,
    0xeb3f, 0xfb1e, 0x8bf9, 0x9bd8, 0xabbb, 0xbb9a,
    0x4a75, 0x5a54, 0x6a37, 0x7a16, 0x0af1, 0x1ad0,
    0x2ab3, 0x3a92, 0xfd2e, 0xed0f, 0xdd6c, 0xcd4d,
    0xbdaa, 0xad8b, 0x9de8, 0x8dc9, 0x7c26, 0x6c07,
    0x5c64, 0x4c45, 0x3ca2, 0x2c83, 0x1ce0, 0x0cc1,
    0xef1f, 0xff3e, 0xcf5d, 0xdf7c, 0xaf9b, 0xbfba,
    0x8fd9, 0x9ff8, 0x6e17, 0x7e36, 0x4e55, 0x5e74,
    0x2e93, 0x3eb2, 0x0ed1, 0x1ef0];

  var crc = 0xFFFF;
  var j, i;

  for (i = 0; i < s.length; i++) {

    c = s.charCodeAt(i);
    if (c > 255) {
      throw new RangeError();
    }
    j = (c ^ (crc >> 8)) & 0xFF;
    crc = crcTable[j] ^ (crc << 8);
  }

  return ((crc ^ 0) & 0xFFFF).toString(16).toUpperCase().padStart(4, '0');
}


function generateDuitNowStr( opts ) {

  let p = [
    { id: '00', value: '02' },                    // ID 00: Payload Format Indicator, PayNow is using 01, but DuitNow is using 02
    {
      id: '26', value:                            // ID 26: Merchant Account Info Template
        [
          { id: '00', value: 'A0000006150001' },    // DuitNow Application Identifier
          { id: '01', value: opts.app || '588734' },// unknown value, 588734 is from MAE app
          { id: '02', value: opts.account }         // unknown Account Number format       
        ]
    },
    { id: '52', value: opts.category || '0000' }, // ID 52: Merchant Category Code
    { id: '53', value: '458' },                   // ID 53: Currency. MYR is 458
    { id: '58', value: 'MY' },                    // ID 58: 2-letter Country Code (MY)
    { id: '59', value: opts.name ? opts.name.substring(0, 25) : 'NA' }, // ID 59: Merchant Name
    { id: '60', value: opts.city ? opts.city.substring(0, 15) : 'MY' } // ID 60: Merchant City
  ]

  // add Merchant Postcode
  if (opts.postcode) {
    p.push({ id: '61', value: opts.postcode })
  }

  // add Amount if any
  if (opts.amount) {
    p.push({ id: '01', value: '12' }) // ID 01: Point of Initiation Method 11: static, 12: dynamic
    p.push({ id: '54', value: opts.amount.toFixed(2) }) // ID 54: Transaction Amount
  } else {
    p.push({ id: '01', value: '11' }) // ID 01: Point of Initiation Method 11: static, 12: dynamic
  }

  // add Expiry Datetime
  if (opts.expiry) {
    p[p.findIndex(a => a.id == '26')].value.push({ id: '03', value: opts.expiry }) // Expiry datetime in Unix time in miliseconds
  }

  // add Ref Numbers
  if (opts.ref || opts.ref3 || opts.ref5 || opts.ref6 || opts.ref7 || opts.ref8) {

    let refObj = p.find(x => x.id === '62')

    if (!refObj) {
      refObj = { id: '62', value: []}
    }

    if (opts.ref) {
      refObj.value.push({ id: '01', value: opts.ref }) // ID 01: Bill Number
    }

    if (opts.ref3) {
      refObj.value.push({ id: '03', value: opts.ref3 }) // ID 03: Store Label 
    }

    if (opts.ref5) {
      refObj.value.push({ id: '05', value: opts.ref5 }) // ID 05: Reference Label
    }

    if (opts.ref6) {
      refObj.value.push({ id: '06', value: opts.ref6 }) // ID 06: Customer Label 
    }

    if (opts.ref7) {
      refObj.value.push({ id: '07', value: opts.ref7 }) // ID 07: Terminal Label 
    }

    if (opts.ref8) {
      refObj.value.push({ id: '08', value: opts.ref8 }) // ID 08: Purpose of Transaction
    }

    p.push(refObj)
  }

  // add Extra Ref Number
  if (opts.ref82) {
    p.push({ id: '82', value: opts.ref82 })
  }

  // sorting object by ID
  p.map((q) => Array.isArray(q.value) ? q.value.sort((a, b) => a.id.localeCompare(b.id)) : q)
  p.sort((a, b) => a.id.localeCompare(b.id))

  // start generating QR string
  let str = p.reduce((final, current) => {
    if (Array.isArray(current.value)) { //nest loop
      current.value = current.value.reduce((f, c) => {
        f += c.id + c.value.length.toString().padLeft(2) + c.value;
        return f
      }, "")
    }
    final += current.id + current.value.length.toString().padLeft(2) + current.value;
    return final
  }, "")

  // Here we add "6304" to the previous string
  // ID 63 (Checksum) 04 (4 characters)
  // Do a CRC16 of the whole string including the "6304"
  // then append it to the end.
  str += '6304' + crc16(str + '6304');

  return str;

}

module.exports = {
  generateDuitNowStr
}

package.json

{
  "version": "1.0.0",
  "name": "duitnow-js",
  "main": "duitnow.js"
}

Opts.app seems to be the bank acquirer ID
https://fliphtml5.com/qvqkn/ticr/BIC_CODE_2022_v1.9.1_%28For_Distribution%29/

Any idea how the Account Number is generated?

@fazman unfortunately AFAIK @paynet-my is gatekeeping this so there is no way we can get the Account Number except through the Acquirer from their Duitnow QR generator. the Account Number is totally different value from regular bank Account Number and DuitNow ID.

any idea ...how's ref82 being generate

@shontee you don't need ref82 to generate DuitNowQR, you won't find this in normal DuitNowQR. i only found this in Razer Merchant so far. i believe the ref82 value is used by them to match which account is belong to, to send the webhook when any payment is received.

Hi , Just to share my finding , the ref82 is actually sha256 for the code you parsing in , Thank you From Shon Tee

…

On Thu, Mar 21, 2024 at 08:12 Sulaiman Sudirman ***@***.***> wrote: ***@***.**** commented on this gist. ------------------------------ @shontee <https://github.com/shontee> you don't need ref82 to generate DuitNowQR, you won't find this in normal DuitNowQR. i only found this in Razer Merchant so far. i believe the ref82 value is used by them to match which account is belong to, to send the webhook when any payment is received. — Reply to this email directly, view it on GitHub <https://gist.github.com/natsu90/f45dc88b38a037325ad9095163b82b42#gistcomment-4995559> or unsubscribe <https://github.com/notifications/unsubscribe-auth/ABCG6KAJKAF3WQG5BTPWCBDYZIQXJBFKMF2HI4TJMJ2XIZLTSKBKK5TBNR2WLJDUOJ2WLJDOMFWWLO3UNBZGKYLEL5YGC4TUNFRWS4DBNZ2F6YLDORUXM2LUPGBKK5TBNR2WLJDHNFZXJJDOMFWWLK3UNBZGKYLEL52HS4DFVRZXKYTKMVRXIX3UPFYGLK2HNFZXIQ3PNVWWK3TUUZ2G64DJMNZZDAVEOR4XAZNEM5UXG5FFOZQWY5LFVEYTEMZZGIYTQOJYU52HE2LHM5SXFJTDOJSWC5DF> . You are receiving this email because you were mentioned. Triage notifications on the go with GitHub Mobile for iOS <https://apps.apple.com/app/apple-store/id1477376905?ct=notification-email&mt=8&pt=524675> or Android <https://play.google.com/store/apps/details?id=com.github.android&referrer=utm_campaign%3Dnotification-email%26utm_medium%3Demail%26utm_source%3Dgithub> .

@shontee oh good to know. i wish my Razer Merchant account still active so i can confirm this.

Hi. I am currently trying to use your code to produce a Dynamic DuitNow QR but failed. It seems that every Dynamic DuitNow QR generated will expire after 60 sec (and this 60 sec is not set in QR code).

Maybank using ID:05 of ID:62
CIMB using ID:01, ID:03 (YYYYMMDDHHMMSS) and ID:82 (SHA256) of ID:62

Somehow all the information in ID:62 is sent to PayNet for verification and callback purpose and it is not possible to generate Dynamic DuitNow QR ourselves.

@pengham this is true, we can't generate a dynamic DuitNow QR ourselves, somehow our DuitNow QR is implemented quite differently than our counterparts; PayNow (SG) and PromptPay (TH). we have to go through a Acquirer or banking app, thanks to greedy @paynet-my. a temporary account number is generated when we're requesting a dynamic QR, and the account number only valid for 60 seconds at most.

thanks, good to know about ID:62, though i never have to use it.

@pengham @shontee what's the original string of hash of the ID:82?
i have this QR content; 00020201021226530014A000000615000101065641690221QRAMB000000000227340952045045530345854041.005802MY5917CHIP IN SDN. BHD.6015WP KUALA LUMPUR61056000062610105APICC0304CHIP0514160320252027580617QRM373174212807800701182648255f1c7ad3df22ff71c9e41489158fc2cb5aa523698298d98c5e98a1a5bfbc563042E45

i tried 0105APICC0304CHIP0514160320252027580617QRM3731742128078007011 which is the string content of ID:62, but the sha256 result doesn't match with the content of ID:82; 8255f1c7ad3df22ff71c9e41489158fc2cb5aa523698298d98c5e98a1a5bfbc5

i made a JS library to decode EMVQR, https://github.com/natsu90/emvqr