An Exclusive Digital Convenience Brought To You by Bayo

Get Your etc.BLACK Mobile App Today!


Get your own etc.BLACK Mastercard Today!

Bayo is proud to introduce the brand new etc.BLACK Mastercard Prepaid Card. A payment and salary card designed for employees of companies that signed up for the etc.BLACK programme!

Bayo SALARY disbursement platform

A Payroll Platform Access For All Employers / Companies in Malaysia

A salary disbursement platform designed for employers / companies for salary payment. It’s convenient, free and user friendly!


etc.BLACK Overview

etc.BLACK is an exclusive brand with product & solution line-up developed by Bayo Pay (M) Sdn Bhd (a licensed entity under BNM to issue Designated Payment Instrument under S.11 of the FSA 2013 and a principal member of Mastercard Asia/Pacific Pte.Ltd. and referred to as “Bayo”).

This is part of the government’s initiative to enhance payment services delivery and to digitally advance industries in Malaysia.

The etc.BLACK programme consists of products designed under this programme; etc.BLACK Card, etc.BLACK Wallet and payroll function via Bayo Salary Disbursement Platform. etc.BLACK Card and etc.BLACK Wallet are developed for the use of all employees of companies who signed up for the etc.BLACK programme, while Bayo Salary Disbursement Platform is made for the use of companies/employers to disburse salary to employees.

Coming Soon!

Digitalized Your Lifestyle

With the brand new etc.BLACK Mastercard Prepaid Card (“Card”), your new digital lifestyle begins once you activate it. Rest assured, there’ll be more features coming to you!

More Features For Users

All of our new features are developed as a convenience for our users to fully enjoy unlimited digital payment experience.

Discounts & Rewards

Lock on to your discount points and cashback rewards on every purchase spent using etc.BLACK Card and etc.BLACK Wallet.

Loan and Wealth Management

From monthly cashflow to savings, we’ll help you sort it all out!

Insurance Product

A selection of insurance product such as travel and personal insurance made instantly available for you to engage.