FAQs
etc.BLACK
What is etc. Black Mastercard Prepaid Card?
Etc. Black Mastercard Prepaid Card is an exclusive brand with a product & solution line-up developed for the use of all eligible individuals as the future digital payment lifestyle where users can also access their account via the etc. Black mobile App to perform bills and payments transaction, online money transfer, account maintenance, balance check, transaction history and reload.
How do I apply for the etc. Black Mastercard Prepaid Card?
For employers and users who are interested in applying for etc. Black Mastercard Prepaid Card can do so by contacting us at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my.
When can I use my etc. Black Mastercard Prepaid Card?
Once you have completed the etc. Black Mastercard Prepaid Card activation, which will include the e-KYC process and approval (subject to BAYO’s review). After you have reloaded your etc. Black Mastercard Prepaid Card, you are able to use the Card at any available merchants and Mastercard supported ATMs that are registered with Mastercard.
How can I activate my etc. Black Mastercard Prepaid Card?
You can activate your etc. Black Mastercard Prepaid Card by registering through the etc. Black mobile app, which includes the e-KYC process. The card will be activated within 2 to 5 working days, subject to BAYO’s review and approval. The etc. Black mobile app is available for download from the Google Play Store, Apple App Store, and Huawei AppGallery.
Where can I use my etc. Black Mastercard Prepaid Card?
The etc. Black Mastercard Prepaid Card is accepted at all Mastercard merchants locally and internationally. You can perform online and retail transactions as well as cash withdrawals at any ATM registered with Mastercard.
Can I use my etc. Black Mastercard Prepaid Card at a petrol station’s self-service kiosk?
Yes, you can use the etc. Black Mastercard Prepaid Card at the petrol station’s self-service kiosk. However, a pre-authorization of RM200 will be withheld from the balance of the Card until the actual amount is received from the acquiring bank. To avoid the amount being withheld via pre-authorization, you just need to pay at the cashier where the exact purchased amount will be deducted from your Card.
Can I use my card overseas?
To use your card for international transactions, you are required to enable your card from your etc. Black Mobile App to accept international transactions. To do so:
You may contact Bayo Customer Service as well at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my.
*By enabling the acceptance of oversea transactions, it may increase your exposure to fraud risk.
How to withdraw money from an ATM ?
**Please note: The daily withdrawal limit is RM3,000.00, subject to the limit set by the bank.
How do I reload my etc. Black Mastercard Prepaid Card?
You can reload your etc. Black Mastercard Prepaid Card by logging in to etc. Black mobile app and performing a reload via online banking (FPX), or via salary deposit by the employers for foreign workers with no local bank account.
What is my maximum reloading limit?
Your approved card limit (Wallet size) is RM10,000. You may reload up to a balance of RM10,000 in your Card at any one time and are subject to a daily reload limit of RM20,000.
Are there any monthly and annual transaction limits for wallet usage?
There are monthly and annual transaction limits as follow:
| Transaction Type | Maximum Amount |
|---|---|
|
|
What are the fees and charges that I have to pay?
Pursuant to the Finance Act 2024 and recent amendments to the Service Tax Regulations, the Royal Malaysian Customs Department (RMCD) has expanded the scope of taxable services under the Service Tax regime, effective 1 August 2025. As a non-bank e-money issuer (e-wallet provider), Bayo Pay is now required to charge and account for 8% SST on certain fee-based services offered to customers.
The following table outlines the revised fees and charges applicable to etc.Black Mastercard Prepaid Card :
| Type of Fees and Charges | Fees and Charges (RM) | Revised Fees and Charges (RM) Effective 1 August 2025 |
|
|---|---|---|---|
| Reload Fee | FPX | No Charge | No Charge |
| ATM Cash Withdrawal Fee (via Mastercard network enable) | Within Malaysia | RM1.00 per transaction | RM1.08 (Inclusive of 8% SST) per transaction |
| ATMs | Overseas | RM10.00 per transaction | RM10.80 (Inclusive of 8% SST) per transaction |
| Currency Conversion Fee (for purchase/withdrawal in foreign currency) | Network charges | Network charges | |
| Card Replacement Fee | RM15.00 per card (Not applicable for fraud/counterfeit) | RM16.20 (Inclusive of 8% SST) per card (Not applicable for fraud/counterfeit) | |
| Cross-Border Transaction Fee (for purchase via merchants outside Malaysia but charged in Ringgit Malaysia) | 0.5% + network charges | 0.54% (Inclusive of 8% SST) + network charges | |
| Sales Draft Retrieval Fee | RM15.00 per sale draft | RM16.20 (Inclusive of 8% SST) per sale draft | |
| Hard Copy of Statement Retrieval Fee | RM5.00 per document | RM5.40 (Inclusive of 8% SST) per document | |
| SMS Notification Fee (SMS sent as requested by customer) | RM0.20 per SMS | RM0.22 (Inclusive of 8% SST) per SMS | |
How do I view my card transaction history and balance?
You may view your transaction history and balance in etc. Black mobile App.
What should I do if my etc. Black Mastercard Prepaid Card is lost, stolen, or if there is an unauthorized transaction?
You must immediately temporarily block your etc. Black Mastercard Prepaid Card or contact Bayo customer service at +603-76215151 or chat via WhatsApp at +6010-7814930 upon discovering that your Card is lost, stolen, or if there is an unauthorized transaction. Bayo Customer Service’s working hours are operating from 8.30a.m. to 11.00p.m. on Monday to Friday and 8.30a.m. to 12.30p.m. on Public Holidays, Saturdays, and Sundays.
How to temporarily block my etc. Black Prepaid Mastercard Card?
How can I get a replacement card?
You can apply for a replacement Card by contacting our Customer Service via calls at +603-76215151, chat via WhatsApp at +6010-7814930 or drop an email to support@bayo.my. The replacement process might take up to 10 working days.
Will my existing balance be transferred to my replacement card?
Yes, your existing balance will be transferred to your replacement Card within 5 working days from the issuance date of your replacement Card.
How can I terminate my etc. Black Mastercard Prepaid Card?
If you wish to terminate your etc. Black Mastercard Prepaid Card, please contact Bayo Customer Service at +603-76215151 during our working hours.
How can I terminate a deceased family member’s etc. Black Mastercard Prepaid Card?
We’re very sorry to hear of your loss. To terminate a deceased family member’s etc. Black account, we’ll need you to provide documentation confirming that you are an immediate family member or executor of the account holder, as follows:
Upon completion of all the required documents above, kindly proceed to submit the request at support@bayo.my or call us at +603-76215151.
When can I get the refund of my balance in etc. Black Mastercard Prepaid Card?
The balance in your etc. Black Mastercard Prepaid Card will be refunded to you within 14 days from your termination date. The balance will be credited to your bank account (maintained with a local bank), which you have provided to us. No refund will be processed if the card is terminated due to fraudulent or suspicious activities.
What should I do if I have a transaction dispute on my etc. Black Mastercard Prepaid Card?
In the event of any dispute for unauthorized and error transactions, you need to inform Bayo in writing within 14 days from the date of the transactions. Failing which, the transaction shall be deemed true and accurate where you are considered to have accepted the transaction as final and conclusive.
Can I use my prepaid card for contactless retail payment?
Your prepaid card is enabled with a contactless feature. For first-time usage, you are required to slot your card into the merchant point-of-sales (POS) terminal and enter your PIN to activate the contactless feature.
Can I disable contactless payment on my prepaid card?
If you wish to disable contactless payment on your etc. Black Mastercard Prepaid Card, you can reach out to Bayo Customer Service at +603-76215151 during our operating hours.
What are the contactless transaction limits on my prepaid Card? How can I reduce these contactless transaction limits?
Your prepaid card has a default contactless transaction limit of a maximum of RM250 per transaction and a daily cumulative limit of RM500. Please use a Chip & PIN to perform transactions above these limits. You may reduce these limits by contacting Bayo Customer Service at +603-76215151 or chat via WhatsApp at +6010-7814930 during our operating hours.
Bank Transfer
How do I access the Bank Transfer feature?
Bank transfer is available via the etc. Black mobile App. To go to the Bank Transfer simply follow these steps:
Is it possible for me to transfer funds to another individual’s bank account?
Transfers are only allowed to own bank accounts in Malaysia. Please ensure the bank account details provided are accurate and match the records at the bank.
How do I get proof of transaction after completing a transaction?
Upon successful transaction, you will be directed to the “Successful” page that shows details of your payment and the option to share the Receipt.
How do I check the status of my transfer?
Successful transactions will be displayed on your Transaction History. To check your transfer status, all you have to do is tap on ‘Transaction’ to view your transaction history.
If your transaction is not reflected in the Transaction History page, but the amount has been deducted from your account, please contact our Customer Support Hotline at +603 7621 5151 for further assistance.
What will be shown on the beneficiary bank statement after a successful transaction?
You will see our service provider, Leanis Solution SD in the transaction description in the beneficiary bank statement.
How do I add my favourite account?
Marketplace
How do I access the Bill Payment?
Bill Payment is available via the etc. Black mobile App. To go to the Bill Payment simply follow these steps:
What kind of information will be needed when I make a payment?
Each biller requires different information. You may check the information needed when you select your biller. Please ensure that the bill details are entered correctly before submitting your payment.
Can I pay bills on behalf of others?
Yes, you can pay bills for others if you have their billing details.
Are bill payments processed on the same day?
Not all payee corporations process payments daily. Therefore, to avoid late payments, it’s best to make your payments in advance as required by the payee corporations.
Is Bill Payment easily accessed?
Bill Payment is available 24/7, and you can pay from anywhere. All you need is internet access.
Is there any service charge using the Bill Payment?
No, Bayo does not impose any fee for using this feature.
Why can’t I pay my bill?
There are several possible reasons why you may be unable to make a bill payment, including:
If the issue persists, please contact Bayo Customer Service at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my.
What should I do if my payment failed but the money was deducted?
The money will be refunded within one (1) business day. You can check your payment and refund status in the “My Purchase” tab under the Marketplace. If you did not receive the refund, please contact Bayo Customer Service at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my
If I overpaid my bill or made payment to the wrong account, can I request a refund?
Once a transaction has been successfully paid to the biller, a refund is not possible on our side. You may contact the biller to request a refund. Thus, it is important to ensure that you enter the correct billing details.
How do I view my previous bill payment transaction?
You can retrieve your last 10 bill payment transactions history through the Marketplace page by following these steps:
How do I add my bill account number as a favorite list?
You will need to proceed with the payment first. After successful payment, click on the “Add to favourite” button. Enter your desired biller and then click “OK”. A new favourite list will be added to your Marketplace page under the “My Favourite” section.
How do I delete my favourite list when it is no longer needed?
Select the account that you want to remove, then select the “Dustbin” icon at the top right side of the screen, select “Continue” and the selected favourite list will be removed.
Can I still make a payment if my bill is overdue?
Yes, you can still pay for overdue bills.
What are the products available in the Marketplace ?
What is the difference between Pin Top-up & Pinless Top-up?
Pin top-up is an option where users can purchase a mobile top-up with the predefined amount provided, whereas a Pinless top-up is an option where users can purchase a mobile top-up or pay the postpaid bill with a variable amount.
What are the services provided for the gaming product in the Marketplace ?
We offer recharge and credit online purchase for gaming sites and online game platforms such as Mobile Legend, PUBG, Free Fire, Steam and others.
What are vouchers?
Vouchers are digital products that you can purchase on etc. Black mobile App, where you can redeem for goods and services from other platforms or physical stores.
Where can I purchase vouchers?
etc. Black mobile App offers two types of vouchers: Digital Voucher and In-Store Voucher. You may follow the steps below to browse the available selection:-
How do I access the voucher that I have purchased?
Go to the ‘Marketplace’ icon and click on ‘My Purchase’. All of your purchased vouchers will be displayed here.
How do I redeem the voucher?
To redeem the voucher you purchased, follow these steps:-
Can I reload my Touch n Go via etc. Black mobile App?
This feature can be located in the ‘Others’ section under the ‘Marketplace’ tab. You can reload Touch n Go via etc. Black mobile App. There are two methods available for you to reload.
| Touch n Go – Pin | Touch n Go – Pinless |
|---|---|
|
You have to key in the 10-digit PIN manually in your Touch n Go account. |
The reload amount will be directly credited into your Touch n Go account. *Before proceeding with the purchase, make sure that the mobile number linked to Touch n Go is entered correctly. |
Where can I get the Touch n Go PIN that I purchased?
To redeem the voucher you purchased, follow these steps:-
Remittance
What is a remittance service?
It is a service that is offered via a partnership with MaxMoney Sdn. Bhd. (“MaxMoney”), a licensed money service provider. The service is incorporated into etc. Black mobile App enables users to send money to beneficiaries in other countries.
Who is eligible to use the remittance service?
All etc. Black mobile App users are eligible to use the service.
Why is there a registration process with MaxMoney to use the remittance service?
Bank Negara Malaysia requires a licensed money service provider such as MaxMoney to perform registration on the users and to verify the customer’s identity before they can proceed with remittance transactions.
Are there any charges applicable for the remittance service?
A service fee is charged by MaxMoney and will be included in the final amount to be deducted from your e-App. You may refer to https://www.maxmoney.com/my/help for fees charged by MaxMoney.
What are the minimum and maximum amounts that can be remitted?
The minimum amount that you can remit per transaction is RM50. Refer to the table below for the Maximum amount.
The minimum and maximum amount stated is inclusive of the service fee.
| App Size | Per Transaction Limit (RM) | Daily Limit (RM) |
|---|---|---|
| Approved Card (Wallet Size RM 10,000) |
10,000 | 20,000 |
How do I access the remittance service?
You may find the remittance service by following these steps:
What is the exchange rate applicable under the remittance service?
Exchange rates are determined by MaxMoney, and it is displayed on the remittance page itself before making the transfer.
To which country can I remit money?
The list of countries may change from time to time, and it is displayed on the remittance page itself before making the transfer.
What is the difference between cash pickup and bank deposit options?
With cash pickup, your beneficiary can collect physical cash from a pickup location determined by MaxMoney, whereas a bank deposit is where the money will be transferred to the beneficiary’s overseas bank account.
Where are the cash pickup locations?
You may refer to https://www.maxmoney.com/my/help for the list of cash pickup locations in the beneficiary country.
Can I cancel the transaction and request a refund on the transactions that I have performed?
Yes, the cancellation can be done only if the transaction has not been paid or credited to the beneficiary’s bank account. Kindly contact Bayo Customer Service at +03-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my for cancellation requests.
How long does it take to refund?
Once the transaction has been cancelled, a refund takes a maximum of 14 days for the money to be credited back to you.
CASHBACK AND REWARD PROGRAM
BPSB reserves the right, to amend this frequently asked question (“FAQ”), the transactions eligible for earning points, the number of Rewards Points required to redeem Rewards, as well as the procedures in making the redemption.
Amendments to these FAQs shall be posted on BPSB’s website, etc. Black mobile App for reference.
Can you tell me what the “Cashback and Rewards Program” is all about?
This Loyalty Points feature in etc. Black mobile App is introduced to allow users to
earn points and redeem points for Cashback.
The four (4) main components of this feature are as follows: –
How does Loyalty Points work?
The Cashback and Rewards Program is a points-based program for users to earn
points which translates into a cashback reward.
Currently, you will be able to earn points by performing the following payment transactions: –
| Transaction Types | Points Awarded |
|---|---|
| Spend using your etc. Black Mastercard Prepaid Card. | RM 1 spent = 1 point |
| Performing Remittance via etc. Black mobile Ap. | RM 1 spent = 1 point |
| Paying your bills and utilities via etc. Black mobile App. | RM 1 spent = 1 point |
The following transactions are not eligible to earn points: –
You shall be notified of other loyalty points campaigns from time to time.
What can I do with the points collected?
Once you have collected a minimum of 2000 points, you may redeem it for cashback. The conversion rate for redemption is 2000 points = RM1.00 cashback (rounding to the nearest cents). The following will be the formula of points conversion.
The point redeemed / 2000 points = Cashback amount.
Example 1:
If you redeemed 2010 points, you would get RM1.00 cashback.
Calculation: 2010 / 2000 = RM1.005.
Thus, your cashback value received is RM1.00 (rounding to the nearest cents)
Example 2:
If you redeemed 2014 points, you would get RM1.01 cashback.
Calculation: 2014 / 2000 = RM1.007.
Thus, your cashback value received is RM1.01 (rounding to the nearest cents)
How can I redeem the points?
You can redeem it by logging in to etc. Black mobile App and click on the Payment Menu and select ‘Loyalty Points’ or ‘Points Redemption’ page, and then ‘Enter the points that you wish to redeem’. Once you have successfully redeemed, the cashback will be credited immediately into your etc. Black mobile App.
Is there any cost involved?
No. The feature is currently Free of Charge.
Who is eligible to earn and redeem points?
The registered Users with Active account status are eligible for the Loyalty Rewards Program
Will I get my points immediately after making a purchase?
The points will be awarded to you at the time of the successful transaction via etc. Black mobile App, while points for spending using the card will be awarded once the settlement has been presented by the merchant which normally takes around one (1) week or more.
Where can I check my points balance, transactions, and expiry?
You can view your points balance, transactions history and expiry by logging in to etc. Black mobile App by clicking on Payment menu and selecting Loyalty Points.
Is there any expiry date to my Loyalty Points?
Your points have a maximum validity period of one (1) year and six (6) months. The frequency of expiry is two (2) times a year, on every 30th June and 31st Dec.
For example:
Can I transfer my points to someone else?
No. Loyalty points are non-transferable.
Can I cancel my redemption?
The redeemed loyalty points cannot be cancelled and are non-refundable.
If I close my account, will the points still be available?
The loyalty points earned shall be forfeited and are not redeemable if your account(s) has been blocked, closed, canceled, or terminated.
What will happen if my points show a negative balance?
For negative points balance (points shown in bracket), your future points earned will be deducted from the negative balance and you can only redeem it again after you have collected sufficient points for redemption.
In what situation will my points show a negative balance?
The negative point balance will happen when you redeem points, and a refund happens after your redemption. The system will auto-reverse the collection points for the refund transaction.
AFFIN BANK VIRTUAL ACCOUNT NUMBER
What is Affin Bank Virtual Account Number?
Affin Bank Virtual Account Number is a channel which allows you to reload or transfer funds into your card through online or offline bank transfer.
How does the Affin Bank Virtual Account Number work ?
You can use the Virtual Account Number to transfer funds from your bank account to your Bayo e-wallet account, similar to a regular bank account, and the funds shall be credited to your card based on the transfer schedule. Do take note that during the transfer of funds, the sender might see Bayo Pay (M) Sdn. Bhd. as the recipient’s name.
How to apply for the Affin Bank Virtual Account Number?
An Affin Bank Virtual Account Number will be provided after your registration for etc. Black Mastercard Prepaid Card has been approved. You can view your Affin Bank Virtual Account Number in your etc. Black mobile App 2-5 business days after your registration has been approved.
Where can I see my Affin Bank Virtual Account Number?
Your Affin Bank Virtual Account Number is shown in your etc. Black mobile App. You may follow these steps to retrieve your Affin Bank Virtual Account Number:
Why can’t I see my Affin Bank Virtual Account Number after registration?
Your Affin Bank Virtual Account Number will be reflected in your etc. Black mobile App within 2-5 working days after your registration is approved.
What are the minimum and maximum amounts that can be credited through Affin Virtual Account Number?
There is no minimum amount set by Bayo. Please refer to the table below for the maximum amount limits. Please note that the minimum and maximum amounts are also subject to the limits set by the sender’s bank.
| App Size | Per Transaction Limit (RM) | Daily Limit (RM) |
|---|---|---|
| Approved Card (Wallet Size RM 10,000) |
10,000 | 20,000 |
*Please take note that you should not transfer funds where your e-wallet balance would exceed your wallet size
When can I expect the funds to be credited to my card once the transfer is initiated?
You can expect the funds to be credited to your card according to the transfer schedule below.
| Funds Received by Affin Bank | Fund Crediting into Your Card |
|---|---|
| before 10:20 am | by 11:00 am |
| before 3:20 pm | by 4:00 pm |
| before 6:20 pm | by 7:00 pm |
| after 6:20 pm | by 10:15 am on the next day |
What are the specific limitations or restrictions that apply to the Affin Bank Virtual Account Number?
Due to system limitations, it is currently not possible to make an online bank transfer from Affin Bank Account to your Affin Bank Virtual Account Number and also, cheque deposits are not supported.
Are there any fees or charges for using the Affin Bank Virtual Account Number?
No, there are no fees or charges associated with using the Affin Bank Virtual Account Number. It is provided to our customers as a free service to facilitate convenient and secure transactions.
What should I do if I have questions or issues about using the Affin Bank Virtual Account Number?
Kindly contact Bayo Customer Service Department at +603-76215151, chat via WhatsApp at +6010-7814930 or email to support@bayo.my for any clarifications related to Affin Bank Virtual Account Number.
MBSB Bank Virtual Account Number
What is MBSB Bank Virtual Account Number?
MBSB Virtual Account Number is a channel which allows you to reload or transfer funds into your card through online bank transfer.
How does the MBSB Bank Virtual Account Number work?
You can use the Virtual Account Number to transfer funds from your bank account to your etc. Black Mastercard Prepaid Card, similar to a regular bank account.
How to apply for the MBSB Bank Virtual Account Number?
An MBSB Virtual Account Number will be provided after you successfully registered for etc. Black Mastercard Prepaid Card. You can view your MBSB Bank Virtual Account Number in your etc. Black mobile App within 2-3 business days after your registration has been approved.
Where can I see my MBSB Bank Virtual Account Number?
Your MBSB Bank Virtual Account Number is shown in your etc. Black mobile App. You may follow these steps to retrieve your MBSB Bank Virtual Account Number:
Why can’t I see my MBSB Bank Virtual Account Number after registration?
Your MBSB Bank Virtual Account Number will be reflected in your etc. Black Mobile App within 2-3 working days after your registration is approved.
What are the minimum and maximum amounts that can be credited through MBSB Bank Virtual Account Number?
There is no minimum amount set by Bayo. Please refer to the table below for the maximum amount limits. Please note that the minimum and maximum amount are also subject to the limits set by the sender’s bank.
| App Size | Per Transaction Limit (RM) | Daily Limit (RM) |
|---|---|---|
| Approved Card (Wallet Size RM 10,000) |
10,000 | 20,000 |
*Please take note that you should not transfer funds where your e-wallet balance would exceed your wallet size
When can I expect the funds to be credited to my card once the transfer is initiated?
| Transfer Day | Transfer Time | Funds Crediting Into Your Card | |
|---|---|---|---|
| IBG | DuitNow | ||
| Business Days (Mon-Fri) | Before 5:00pm | Same business day | 1 – 2 minutes |
| After 5:00pm | Next business day | ||
| Non-Business Days (Saturday, Sunday and Selangor Public Holidays) | Anytime | Next business day | |
Note: For the unsuccessful Interbank GIRO transaction that was performed on the same day by 5:00 pm, the customer will receive the funds on the next business day, under normal circumstances.
Note: IBG transactions will not be available from 1:00 AM to 5:00 AM. Transactions initiated during this period will be processed starting from 5:01 AM onwards.
What are the limitations or restrictions that apply to the MBSB Bank Virtual Account Number?
Cheque deposits and cash deposits are not supported at the moment.
Are there any fees or charges for using the MBSB Bank Virtual Account Number?
No, there are no fees or extra charges associated with using the MBSB Bank Virtual Account Number. It is provided to our customers as a free service to facilitate convenient and secure transactions.
What should I do if I have questions or issues on how to use the MBSB Bank Virtual Account Number?
Kindly contact Bayo Customer Service Department at +603-76215151, chat via WhatsApp at +6010-7814930 or email to support@bayo.my for any clarifications related to MBSB Bank Virtual Account Number.