WALLET

An Exclusive Digital Convenience Brought To You by Bayo

Get Your etc.BLACK Mobile App Today!

What Is etc.BLACK Wallet?


The etc.BLACK Wallet is a mobile e-Wallet app developed for all employees of companies that signed up for the etc.BLACK programme, and is linked to the physical etc.BLACK Card.

Experience The Whole Package!


The brand new etc.BLACK Mastercard Prepaid Card (“Card”) comes with a mobile e-Wallet app and web portal platform for you to access and manage your account anytime, anywhere!

BLACK Wallet

Fully utilise the digital lifestyle anywhere, anytime in one platform.

  • e-Payment / Virtual Card
  • Mobile e-Wallet App On-boarding via e-KYC
  • Remittance
  • QR Pay
  • Funds Reload
  • Online Payment & In-App Purchases
  • P2P Funds Transfer
  • Bill Payment & Telco Top-Up
  • Marketplace
  • Account Management & Settings

Faster Payments


A quick and accommodating way to pay, top-up, send and receive money.

Swift Payment Transfer

For funds transferring, you can send and receive money via QR Code or through a mobile number. Just select and send!

Lost / Stolen Card

No problem at all. You can personally block your card temporarily via etc.BLACK Wallet, or etc.BLACK Portal so no one can access your card.

Effortless Reload

Using FPX feature, online reload is much simpler, faster and easier. Whether it’s RM10 or RM10,000, you can get it done within a few clicks!

Marketplace, Bill Payment

and Telco Top-Up

From monthly bills, to getting your essential supplies and errands done, to online shopping, we can help you organised!

Proper Tools For Faster Payments

Proper Tools For Faster Payments



Definitely a welcoming convenience for users to pay their bills, reload, shop and dine via a trusted and secured payment platform.

Definitely a welcoming convenience for users to pay their bills, reload, shop and dine via a trusted and secured payment platform.

Choose Your Payment Method

Payment convenience features that solve all your payment needs.

  • P2P Funds Transfer
  • QR Pay
  • Payment via FPX

Instant Transfer With Remittance

A better and secure way to send money to your family and friends anywhere, anytime!

  • E-Remittance
  • Online Currency Exchange
  • Select beneficiary for money transfer via Cash Pickup or Bank Deposit

How To Get On-board etc.BLACK?


Download App

Download etc.BLACK Wallet from Google Play Store, Apple Store or Huawei AppGallery.

Register & Activate Card

Register an account and complete the registration process to activate the etc.BLACK Card.

Reload Card

Reload the Card via etc.BLACK App.

Use Card

Upon reload, your etc.BLACK Card is ready to be use for payment.