An Exclusive Digital Collaboration Brought To You by CLAB

Get Your etc.CLAB e-Wallet App Today!


etc.CLAB For All Foreign Construction Workers!

In collaboration with the Construction Labour Exchange Centre Berhad (CLAB) Malaysia, Bayo is proud to introduce the brand new etc.CLAB Mastercard Prepaid Card. A payment and salary card designed specifically for foreign workers in the construction industry in Malaysia.

Bayo SALARY disbursement platform

A Payroll Platform Access For All Employers / Companies Registered With SSM

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


etc.CLAB Overview

etc.CLAB is an exclusive brand with product & solution line-up that transpired from the collaboration programme between Construction Labour Exchange Centre Berhad (“CLAB”) Malaysia and 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 the service delivery to stakeholders and also to digitally advance the construction industry in Malaysia.

The etc.CLAB programme consists of products designed to cater to different stakeholders under this programme; etc.CLAB Card, etc.CLAB Wallet and etc.CLAB Portal as well as Payroll function via Bayo Salary Disbursement Platform. etc.CLAB Card, etc.CLAB Wallet and etc.CLAB Portal are developed for the use of foreign workers under CLAB Malaysia, whilst Bayo Salary Disbursement Platform is made for the use of employers to disburse salary to the foreign workers/construction personnel.

Coming Soon!

Digitalized Your Lifestyle

With the brand new etc.CLAB 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.

Cashback & Rewards

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

Loan and Wealth


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.