etc.Kartu PMI For All Industrial Workers!

In collaboration with the Perpemindo Indonesia, Bayo is proud to introduce the brand new etc.Kartu PMI Mastercard Prepaid Card. A payment and salary card designed specifically for foreign workers in the working industry in Malaysia.


An Exclusive Digital Collaboration Brought To You by Perpemindo

Get your etc.PMI Online Mobile App Today!

Bayo SALARY disbursement platform

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

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


etc.PMI Online Overview

etc.PMI Online is an exclusive brand with product & solution line-up that transpired from the collaboration programme between Perpemindo Indonesia 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 working industry in Malaysia.

The etc.PMI Online programme consists of products designed to cater to different stakeholders under this programme; etc.Kartu PMI Card, etc.PMI Online Wallet and as well as Payroll function via Bayo Salary Disbursement Platform. etc.Kartu PMI Card and etc.PMI Online Wallet are developed for the use of foreign workers under Perpemindo Indonesia, whilst Bayo Salary Disbursement Platform is made for the use of employers to disburse salary to the foreign workers.

Scroll down for more etc.PMI Online features!

Coming Soon!

Digitalized Your Lifestyle

With the brand new etc.PMI Online, your new digital lifestyle will give you more with what life has to offer. 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.Kartu PMI Card and etc.PMI Online 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.