# Mcash

**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**](api-42631218)

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

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

***Response***

```JSON
{
    "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


![0ccf3e48-d7c9-49d2-b901-49a7b3e7957a.png](https://api.apifox.com/api/v1/projects/1296482/resources/418605/image-preview)

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


![84034c45-f329-4e85-a544-1361eb0a8a20.png](https://api.apifox.com/api/v1/projects/1296482/resources/418606/image-preview)

### [Create a Session](api-42654181)

***Request*** 

```JSON
{
    "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***

```JSON
{
    "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](doc-2517709)

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](api-51369554)

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.