Alliance Bank
Alliance Bank payments allow Malaysian consumers to pay merchants directly from their bank accounts using secure online banking authorization.
Alliance Bank payments allow Malaysian consumers to pay merchants directly from their bank accounts using secure online banking authorization. Customers are redirected to Alliance Bank’s login interface, authenticate, and confirm payment. Funds are transferred instantly or near-instant via domestic rails. Merchants benefit from low-cost, real-time bank payments with no chargebacks. Ideal for e-commerce, bill payments, high-ticket orders, and banked users preferring direct account debits.
What Alliance Bank costs
Merchants do not pay Alliance Bank directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What the last check found
Alliance Bank is not a payment method you integrate directly — it is an issuer selection inside FPX, Malaysia's bank-transfer redirect scheme operated by PayNet. Two gateways name it explicitly. Stripe's FPX bank reference lists "Alliance Bank (Personal)" with the API value `alliance_bank`; Adyen's FPX API-only page lists "Alliance Bank" with issuer ID `fpx_abmb`. PayNet's own FPX FAQ confirms "Alliance Bank Malaysia Berhad" as a participating bank. Both gateways state MY as the country and MYR as the only currency, and Stripe is explicit that FPX "must always use Ringgit" and that only Malaysia-based Stripe accounts may accept it.
For an integrator, the practical implications are: the customer is redirected to allianceonline for two-step authorisation, so no card data is handled; refunds and partial refunds are supported (Stripe allows refunds up to 60 days, settling asynchronously in up to 14 days and occasionally six weeks; Adyen also marks multiple partial refunds); recurring payments are explicitly NOT supported by either gateway; and Stripe states there is no dispute/chargeback support, because the bank authentication removes that risk. Stripe documents transaction limits of RM2 to RM30,000 and requires the merchant's Business Registration Number. Stripe's label "(Personal)" matters — this is the consumer (B2C) channel; the bank's business channel, Alliance BizSmart, is not the same FPX participant entry.
Documentation is silent in places. Airwallex, Antom and dLocal all document FPX for Malaysia in MYR with refund support, but none publishes an issuer list, so none names Alliance Bank. Rapyd, Checkout.com and Worldline publish no static FPX bank list at all. No source states payout/withdrawal or 3D Secure support for this rail.
Checked against Alliance Bank’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 10
- Stripe — Accept an FPX payment (Bank reference) · docs.stripe.comUsed for Names "Alliance Bank (Personal)" with API value alliance_bank in the FPX bank reference table; states FPX is MYR-only, limits of RM2–RM30,000, available only to Malaysia-based businesses, and lists error codes including invalid_currency/invalid_bank.Checked 20 October 2026
- Stripe — FPX payments overview · docs.stripe.comUsed for States customer location Malaysia, presentment currency MYR, recurring payments: No, refunds/partial refunds: Yes/Yes, dispute support: No, business location MY, refunds up to 60 days settling asynchronously, and that PayNet owns and operates FPX.Checked 20 October 2026
- Adyen — FPX Online Banking Malaysia, API only · docs.adyen.comUsed for Lists the FPX issuer table including "Alliance Bank | fpx_abmb"; states countryCode MY and amount.currency MYR.Checked 20 October 2026
- Adyen payment methods catalog · docs.adyen.comUsed for FPX Online Banking Malaysia row: type Online Banking, redirect flow, country MY, processing currency MYR, settlement MYR/USD, enabled features Refunds, Partial refunds, Multiple partial refunds; recurring not enabled.Checked 20 October 2026
- PayNet — FPX (personal solutions) · paynet.myUsed for Operator identity (Payments Network Malaysia Sdn Bhd, PayNet, Malaysia) and the participating-bank list naming "Alliance Bank Malaysia Berhad"; amounts shown in RM.Checked 20 October 2026
- Alliance Bank Malaysia Berhad — official site · alliancebank.com.myUsed for Legal name "Alliance Bank Malaysia Berhad", registration 198201008390 (88103-W), Malaysian regulation (Bank Negara Malaysia, PIDM), and the allianceonline personal vs Alliance BizSmart business banking channels.Checked 20 October 2026
- Airwallex payment method matrix · airwallex.comUsed for FPX row: shopper location MY, presentment currency MYR, features Refunds and Partial refunds — and the absence of any issuer-level "Alliance" entry.Checked 20 October 2026
- Antom payment methods catalog · docs.antom.comUsed for FPX row: buyer country Malaysia, processing currency MYR, refund and partial refund supported, acquirers including AntomMY — with no issuer bank list, so Alliance Bank is not named.Checked 20 October 2026
- dLocal — Malaysia country page · docs.dlocal.comUsed for Confirms FPX as dLocal's Malaysian bank-transfer method in MYR, "operated by Payments Network Malaysia Sdn Bhd (PayNet)", refunds Yes; no "Alliance" entry on the page.Checked 20 October 2026
- FPX Terms and Conditions (mepsfpx.com.my) · mepsfpx.com.myUsed for States "Payments Network Malaysia Sdn Bhd (836743-D) as the owner and operator of FPX", governed by the laws of Malaysia, and that a "Financial Institution" means an FPX participating bank offering internet banking.Checked 20 October 2026
10 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Alliance Bank before you sign anything. How we compile this · Suggest a correction ·