PB enterprise is Public Bank’s Online Cash Management Service designed specifically for Businesses and Corporates.
PB enterprise is offered to Sole Proprietors, Small and Medium Enterprises (SMEs), Partnerships, Professional Bodies, Government Bodies, Clubs and Associations as well as Private Limited and Limited Companies. Individuals are not eligible to apply for PB enterprise.
PB enterprise is a new and improved platform offering for Business and Corporate Customers. It is not linked to PBe Business Banking.
Yes, please inform the Bank that you are an existing token holder and provide the serial number of your SecureSign Token located at the back of the token.
Step 1 | Visit your Account Holding Branch and obtain the PB enterprise Application Form; |
Step 2 | Complete the application form duly signed by the authorised personnel as per the Board Resolution/ Mandate Letter signed by the company Directors and Company Secretariat; |
Step 3 | Submit the completed application forms and the Board Resolution/ Mandate Letter authorising the use of PB enterprise services and collect the SecureSign Token; |
Step 4 | Upon successful set-up of the company profile by the Bank, all authorised users of the company will receive the User IDs and passwords to access the PB enterprise via email. |
Yes, you can access PB enterprise as long as you have access to the Internet with the recommended Internet browser.
Should an existing PBe Business Banking user wish to apply for PB enterprise, please contact your Account Holding Branch. The data (eg. Favourites and eStanding Instructions that you currently have in PBe Business Banking are non-transferrable). As such, please ensure that you have cancelled all your eStanding Instructions in PBe Business Banking first.
Yes, you may still access PB enterprise and PBe Business Banking concurrently until you inform the Account Holding Branch to terminate your access to PBe Business Banking. Please note that data is not shared across both platforms.
Yes. As long as your device has an Internet browser and has access to the Internet, you can login to PB enterprise.
The security of your internet banking is of utmost concern to us. We are committed to high standards of online security and confidentiality and are compliant to all cybersecurity requirements imposed by Central Bank of Malaysia to ensure you can use PB enterprise with full confidence.
We recommend you to update your operating system regularly for new patches, fixes and enhancements.
Please also ensure that your computer is protected with:
The best way is to clear your Internet browser’s cache memory after each login session.
Generally, we recommend customers to enable first party cookies. First-party cookies are files created by the site you visit (in this case pbenterprise.com) which will save your browsing data.
Users are strongly discouraged from using shared/public PCs or public Wi-Fi hotspots to access PB enterprise as these platforms are not secure and may be vulnerable to hacking attempts.
For Google Chrome:
For Safari:
For Mozilla Firefox:
For Opera:
For Microsoft Edge:
The Challenge Questions feature provide an extra layer of security to verify your user identity if the Bank detects any unusual or suspicious activity performed via PB enterprise.
No, this security feature applies to all new and existing PB enterprise users.
No, the answer for each question must be unique.
You may set up new set of Challenge Questions under Profile Maintenance at anytime.
Upon login to PB enterprise, you will be prompted to set up the Challenge Questions by choosing 3 questions and provide respective answers. To complete the enrolment, you are required to verify with IC / Passport Number and authenticate with SMS PAC, PB SecureSign via PB enterprise app / SecureSign Token, whichever is applicable to the user role.
Remember, this information will be used to verify your account. Please pick memorable questions and answers that only you will know.
Yes, think of it like an additional password. Never share this information with anyone.
Please contact Case Management hotline at 03-2177 3555 for assistance.
Upon successful company profile setup by the Bank, each user will receive a Company ID, User ID and temporary password via email to perform first-time login at www.pbenterprise.com. You will be prompted to create a new password and Personal Login Phrase followed by a PAC to authenticate your first-time login.
The temporary password is enclosed in a locked PDF attachment in the First-Time Login email. To retrieve the temporary password, follow the directions stated in the email sent to you.
You are only allowed 3 login attempts failing which, your access will be deactivated. Please use the “Forgot Password” function to reactivate your login.
You may take the following steps to ensure your password remains safe at all times:
Check with your Corporate Administrator on what is your user ID or try to locate your First Time Login email. If your Corporate Administrator does not have this information or you are unable to locate the First Time Login email, contact our Customer Support team or Account Holding Branch.
You may change your password at any time at Profile Management – Change Password.
No. Both IDs are not case sensitive.
Every registered corporate is assigned a Company ID. It is shared among all corporate users within the company. The Company ID must be entered together with the User ID during login.
Please use the “Forgot Password” function located on the login screen to receive the First-Time Login email.
Please use the “Forgot Password” function to reactivate your login. If it still does not work, please contact our Customer Support team.
Your User ID is pre-assigned and thus cannot be modified.
Yes. PB enterprise considers uppercase and lowercase to be different characters. If you have registered your password as "passWORD", you must login by using "passWORD"; not "password" or "PASSWORD".
A strong password should include a combination of numbers, uppercase and lowercase alphabets and special characters.
The following functions are available:
A corporate administrator can perform the following:
Yes, a Corporate User can also be a Corporate Administrator.
The Daily Accumulated Transaction Limit is unlimited by default. The Corporate Administrator Maker will have the flexibility to revise the transaction limits within its company group user profile for each Transaction Type as per listing below:-
Group | Transaction Type |
Payment |
|
Fund Transfer |
|
Remittance |
|
Others |
|
Corporate Administrators do not have the authority to approve financial transactions. The Corporate Admin Authoriser can only approve the Corporate Admin Maker’s submissions i.e. user creation, deactivate users.
Yes, a SecureSign Token is required for all approvals performed by Corporate Administrator Authorisers.
Cooling-off period is a banking security feature designed to minimise the risk of potentially fraudulent activities.
After the authorisation of self-maintenance on the new increased Daily Accumulated Transaction Limit, users will undergo a 12-hour cooling-off period.
Any new increased Daily Accumulated Transaction Limit will be effective after the cooling-off period.
The viewer is only allowed to perform Account Enquiry and non-monetary transactions on assigned accounts i.e. view account summary, view and download e-statements/e-Invoices, and enquire cheque status.
The verifier is an optional role that approves transactions without a SecureSign token which must then be sent to the Authoriser.
A Verifier can
The releaser is an optional role that approves transactions without a SecureSign token. The Releaser will only receive the transaction after the Authoriser has approved it.
A Releaser can
The maker is entitled to viewing functions as well as executing monetary and non-monetary transactions for assigned accounts and services (as mandated by the company).
A Maker can
Authorisers may perform non-monetary transactions and approve transactions submitted by makers. The authoriser’s approval using SecureSign Token is required for every transaction submitted by the Maker.
An Authoriser can
This function displays a summary of all accounts that are linked to your PB enterprise profile. The available account types are:
For Savings / Current / Loan & Financing accounts, please contact your respective Account Holding Branch.
E-Statement is an electronic version of your Current/Savings, Credit/Debit Card Account and Loan / Financing statement. This e-Statement is identical to your original paper-based statement which you can view, save and print out at your convenience. These e-Statements will be kept online up to 13 months.
Account opening for Fixed Deposit and Islamic Term Deposit can only be done at your Account Holding Branch.
A Preferred Branch is where you can collect your certificate of deposit for the Fixed Deposit placement made.
You may request for new cheque book(s) through PB enterprise. Collection of cheque books can be made at the Account Holding Branch.
You may enquire the status of an issued cheque via PB enterprise.
Through PB enterprise’s Positive Pay service, simply provide us with the following information:
Public Bank will then cross-check the information given above with the cheque you have drawn. Payment will only be made if all information is accurate.
This service is only available upon prior service agreement with Public Bank Berhad. To register, please contact your Account Holding Branch.
Please contact your Account Holding Branch.
CSV Download shows you your account details and transaction history in CSV (Comma Separated Value) format. This file format is best viewed using spreadsheet software such as Microsoft Excel or OSX's Number.
Yes, PB enterprise provides e-Statement and Tax Invoice download services.
Only conventional Fixed Deposit placements are available via PB enterprise; Islamic Term Deposit placements can only be made at your Account Holding Branch.
Your Preferred Branch is shown when you perform a new Fixed Deposit placement. To change your Preferred Branch, click “Change Preferred Branch”.
You may stop issued cheques that have not been presented for payment. Charges apply and will be debited from your account.
Positive Pay is a service designed to prevent cheque fraud by securing all your cheque payments.
This facility is open to all Current Account holders except:
Yes, please follow the Positive Pay file format.
Yes, apart from same-day fund transfers, you may choose “Future Date” option to transfer funds on a selected date. For recurring scheduled fund transfers, see “Recurring Fund Transfer (e-Standing Instruction)”.
Yes, you may modify or cancel your e-Standing Instructions at “Manage e-Standing Instruction”.
The “Favourite Account” feature allows you to store your favourite accounts. You can even give each of these accounts a new name. Once registered, the account number, along with its new name will be recorded in your profile.
There is no need to enter a Favourite Account's information before each transaction. Simply select it from your list of Favourite Accounts.
You can save up to 5 fund transfer templates within your group. Saved templates cannot be shared among other groups.
e.g. Users from Group A will not be able to access templates used by Group B and vice versa.
Your transaction will be rejected. You will not be able to proceed with the transaction.
For recurring fund transfers / e-Standing Instructions, the scheduled transaction on the stipulated date will be rejected. The system will not execute the transaction even if sufficient funds have been made available in the account after the transaction date.
You can:
Fund transfers to Public Bank accounts are free of charge.
Interbank GIRO (IBG)
IBG is an electronic fund transfer payment system which allows transfer of funds to participating financial institutions within Malaysia up to RM 1,000,000.00.
DuitNow Transfer (formerly known as Instant Transfer)
DuitNow Transfer is an instant real-time fund transfer service whereby the funds will be credited to the beneficiary account at participating financial institutions immediately.
Real-time Electronic Transfer of Funds and Securities System (RENTAS)
RENTAS is an electronic fund transfer payment system which allows transfer of funds to participating financial institutions within Malaysia for large value transactions for amounts from RM 10,000.00 and above.
Interbank GIRO initiated by customers via PB enterprise | *Fund Received by Beneficiaries | ||
Business Days (Monday - Friday) |
Before 5:00 a.m | Same business day | By 11.00 a.m |
5:01 a.m to 8:00 a.m | By 2:00 p.m | ||
8:01 a.m to 11:00 a.m | By 5:00 p.m | ||
11:01 a.m to 2:00 p.m | By 8:20 p.m | ||
2:01 p.m to 5:00 p.m | By 11:00 p.m | ||
After 5:00 p.m | Next business day | By 11:00 a.m | |
Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) |
Next business day | By 11:00 a.m |
The exchange rate used is based on the prevailing daily selling rate.
The processing time is normally 2 working days, subject to completeness in beneficiary's information and the efficiency of the receiving bank.
This function allows you to transfer a fixed amount on a fixed date based on a fixed frequency of fund transfer for a fixed number of times.
E.g. Fund transfer of RM 1,000.00 starting 20/04/2017 occurring monthly for 24 times. You may perform a recurring transfer for up to 99 times.
Yes, you can perform up to 20 fund transfers in a single transaction. For added convenience, you may save up to 20 beneficiary accounts in a fund transfer template.
A template allows up to 20 beneficiary accounts to be saved in a template for future fund transfers to the same beneficiary accounts via respective method of transfer. Once saved, upon selection of saved template, only the fund transfer amount and recipient reference fields may be edited.
The amount is subject to the maximum limit allowed for respective user and/or group as mandated by your company.
The maker is allowed to withdraw a submitted transaction as long as it has not been approved by any Authorizer. If the transaction has been approved by at least one Authorizer, the following approver must reject or rework the transaction.
“To Own Account” means transferring funds to your accounts which are linked to your PB enterprise profile. “To PB Account” refers to other Public Bank accounts which are not linked to your PB enterprise profile.
“To Other Bank Account” refers to fund transfers made to beneficiary account(s) in other banks.
Refer to the dropdown list in the PB enterprise Fund Transfer screen.
FTT is a form of remittance or transfer of funds to overseas agents/bankers to effect payment to a payee on behalf of the applicant via SWIFT.
Yes, you may choose “Future Dated” instruction mode to perform transfer on a selected date. Advance scheduling is available for up to 14 calendar days from the transaction initiation date.
DuitNow Transfer is a fund transfer service where you can transfer funds instantly to a DuitNow ID.
DuitNow ID is the recipient’s identity to receive funds. The available DuitNow ID are as follows:
No. | DuitNow ID Type | Previous Name | Current Name |
1 |
Existing:
|
DuitNow | DuitNow Transfer |
2 | New:
|
Instant Transfer |
Statutory payment allows employers/contributors to make payments for their staff contribution to the Government Statutory Bodies like KWSP, LHDN & PERKESO via PB enterprise. This service is available under File Upload.
The available Statutory Payment options can be found in File Upload under Statutory Payment menu.
The crediting of funds is subject to the selected processing window (cut-off time). Intrabank transactions will be credited on the selected cut-off time whereas IBG and RENTAS transactions are subject to the Beneficiary Bank.
To ensure payments are credited within the same day the file is uploaded, you are advised to upload and approve the file based on the following processing windows. The timings are published here.
After a file is uploaded, PB enterprise will validate the file contents. The Maker is required to go to “Bulk Payroll Status” or “Bulk Payment Status” to confirm the contents of the file and then only Submit it to the Approver.
You can perform the following payments to respective Statutory Bodies:
Bulk Payment and Bulk Payroll (formerly known as PB ECP) is a feature that enables companies to upload a file for bulk payments to suppliers and salary payments via Intrabank (PBB), Interbank GIRO (IBG) and RENTAS.
To stop a file, click “Transaction Approval” and “Transaction Approval Status”. Locate the transaction that you want to stop and click the Reference Number. You should be able to see the “Stop Payment” button as long as it is before 30 minutes to the processing window. You must approve the stop payment 30 minutes before the processing window else the transaction cannot be stopped anymore.
Public Bank is the first bank allowing you to exercise your Rights Issues online and via ATMs. Upon receiving your Provisional Allotment Letter (PAL), you may subscribe and pay for your new shares through PB enterprise and via PB ATMs.
The following can be performed, based on respective user roles:
Note: Viewer does not have access to the Transaction Approval function.
If the instruction mode is:
Yes, you may view transactions within the past 90 days.
Yes, you may save incomplete transactions and edit them at a later time. However, submitted transactions cannot be edited unless the approver requests for a rework of the transaction.
Please get your Corporate Administrator to use the Resync Token function. If it still does not work, please contact Customer Support.
Users can view transactions performed by all users only within the same group. E.g. Group A users can only view transactions performed by all users in Group A; access to view Group B transactions is not allowed.
Expired transactions will be removed from the “Pending Approver” list and the status will be updated as “Expired” in the Transaction Approval Status screen. No further action can be taken on the transaction and the Maker is required to re-create the transaction.
The maker can withdraw a submitted transaction as long as it has not been approved by any approver.
The maker can check the transaction status via Transaction Approval Status.
SecureSign is a digital signing process to confirm and approve financial transactions performed via PB enterprise. Authentication of transactions is done through digital signature made by the authoriser.
SecureSign uses Two Factor Authentication technology and digital signature solution to authenticate and secure online banking transactions. The token is secured with PIN and uses advanced encryption standards.
Activate your personalized PIN (6 digits) immediately upon receipt of the token. Always keep the PIN secret and the token safe. Do not leave the token unattended or share it with anyone else.
Try to avoid weak PINs such 123456, 444444 etc. Without the token, transactions cannot be performed without your knowledge or authorisation.
Your token will be blocked with the ‘Lock Code’ displayed. Please visit your Account Holding Branch to have the token unblocked at no additional cost. The token unlock code will be sent to your registered email address. The Branch Officer will also be able to inform you of your lock code. You are required to key in the unlock code into the token to unlock it.
Cooling-off period is a banking security feature designed to minimise the risk of potentially fraudulent activities.
After the authorisation of SecureSign Token activation, users will undergo a 12-hour cooling-off period. You may create or approve transactions on PB enterprise after the cooling-off period.
Digital Signing is a process whereby a transaction performed through PB enterprise is approved by the authoriser(s) based on a SecureSign Code generated by the SecureSign Token. The code generated is unique to the particular token issued to the authoriser.
Yes, the SecureSign Token is priced at RM50-00 each.
You have six attempts to key in the PIN. Failing which, the token will be blocked with the ‘Lock Code’ displayed.
Please visit your Account Holding Branch to request for a new token. A standard charge of RM50-00 per token will be imposed.
PB enterprise Authentication Code or PAC is a system-generated six-digit authentication code sent via SMS to your registered mobile phone. Each PAC is unique and acts as an additional layer of security to protect your banking accounts.
Your mobile phone number will have been registered upon registration of PB enterprise based on the information provided in the application form.
PAC can only be sent to Malaysian and Singaporean mobile numbers.
You can spot a fake SMS by identifying the following red flags:
You will receive a PAC via SMS when you perform the following:
You may visit the nearest branch should you require to change your mobile phone number.
Public Bank will only send PAC SMS from the following short codes:
If there are any unforeseen service interruptions, you will receive SMS from the following designated short codes instead:
Please report to the Bank if you receive any SMS PAC from other short codes or from a mobile number.
PB QR is Public Bank’s merchant acceptance service that enables our merchants to receive payments from their customers by scanning DuitNow Quick Response (QR) code or other supported QR code standards.
There are 3 PB QR plans. Please refer to the table below:
QR Plan | Basic Plan | Company Plan | Enterprise Plan |
Pre-requisite |
|
|
|
Outlet Limit | 1 | 2 | Unlimited |
Cashier Limit | 2 | 5 | Unlimited |
Accepted Source of Fund |
|
|
|
PB QR Fees |
RM0.00 for eWallet & Current Account Savings Account acceptance *Valid until further notice |
*Valid until further notice |
Fill up the customer online interest form at https://apply.pbenterprise.com/businessbanking to open account at nearest branch. Please note that it is strongly recommended to use Google Chrome.
Steps to create outlet & cashier:
PB QR API is an additional service in the PB QR system that allows our Merchant to integrate their Point of Sales (“POS”) system or other payment interface to communicate with Public Bank’s QR Payment Platform. The service will allow merchants to generate a DuitNow QR Code directly from their POS or other payment interface for payers to scan and complete the payment.
Merchant Administrator logs in to PB QR Merchant Portal and proceeds to Manage > Payment Interface. Next, select the Third Party Interface (TPI) from the drop-down menu list. Then, select the Access Rights to be given to the TPI and authorize via PAC.
The system will automatically assign an Access Key for Merchant Administrator to key in at the TPI’s portal to complete PB QR API activation to particular TPI.
PB QR is open to Public Bank customers only. For non-Public Bank customers, please submit online Interest Form to open account at nearest branch.
Enter your particulars accordingly. Upon successful registration, you will receive an email notification. Please follow the email for instructions to proceed with your first time login.
PB QR is available 24 hours, 7 days a week, except during scheduled maintenance downtime.
All QR plans are eligible to subscribe to PB QR API.
No, there is no fee and charge related to PB QR API.
No, PB QR is not accessible via rooted or jailbroken mobile devices.
No, you are required to update PB QR to the latest version to enjoy better performance, new features and enhanced security.
Each Cashier ID can be tied to a maximum of one (1) device. One (1) Cashier ID can be logged on to one device at any one time.
There are 3 plans in PB QR available. Please refer to the table below: -
Basic Plan | Company Plan | Enterprise Plan | |
Daily Payment Acceptance Limit | RM5,000 | RM10,000 | Unlimited |
Accepted Source of Fund |
|
|
|
Yes. You may accept QR payment from selected overseas banks customers. Payer will enter the payment amount in Malaysian Ringgit (MYR) to see the converted amount in their own currency. The settlement will be made to your account in MYR.
Exercise caution and check for transaction history using your PB QR Merchant Mobile App or PB QR Merchant Portal. You may also enquire on transaction status using the payer's DuitNow QR Reference Number (8-digit number).
To do so, from your PB QR account, go to "Transaction Inquiry" and enter the DuitNow QR Reference Number to search. Successful transactions will be displayed in the inquiry result.
As best practices, you are advised not to release any goods if the disputed transaction is not listed in your transaction history or the transaction inquiry result. Contact the Bank at 03-2170 8000 for clarification and record the payer's contact information for future correspondence.
If there is commercial dispute between yourself with your customer, it is recommended that the commercial dispute is resolved manually by refunding to your customer via cash.
Yes. PB QR is interoperable. Other banks and e-Wallet users can make payments to your company by scanning the same PB QR code.
The list of participating banks and e-wallets are updated at DuitNow official link: https://www.duitnow.my/QR/index.html
You will receive a push notification in your PB QR which will show the payment status following a successfully made transaction. Successful payments will also be reflected at the Transaction History page.
Currently, PB QR supports payment from DuitNow QR (an interoperable QR standard in Malaysia) and payment from tourist or overseas payers. In future, it will be expanded to support other QR standards as well.
No. Merchants are not allowed to perform “Cash Withdrawal” or “Cash Out” via PB QR except for payment refunds where Merchants failed to deliver goods and/or services.
The following are the fees & charges applicable for PB QR services: -
Basic Plan | Company Plan | Enterprise Plan | |
PB QR Fees | RM0.00 for eWallet & Current Account Savings Account acceptance
*Valid until further notice |
RM0.00 for eWallet & Current Account Savings Account acceptance
*Valid until further notice |
*Valid until further notice |
Settlement |
Immediate |
Immediate |
Immediate |
Cashier can now choose to extend their screen-on time in PB QR mobile app, which allows the application to keep the login session active throughout the selected screen-on time.
The timer will be reset upon closing the app, as it is considers as logging out.
Upon maintaining a different screen-on time, the changes will take effect on the subsequent login.
The setting is applicable to Quick Login (via Biometric) only. Login with password remain status quo. Should user choose to login with password during Quick Login session, inactivity for more than 5 minutes will still result in session timeout.
Maintenance can be done via PB QR Mobile App or PB QR Merchant Portal.
JomPAY is Malaysia’s national bill payment scheme established and operated by Payments Network Malaysia Sdn Bhd (PayNet), under the auspices of Bank Negara Malaysia with the participation of banks and large billers. Bill and invoice payments can be made through the Internet or Mobile Banking platform offered by participating Interbank GIRO banks* in Malaysia.
Public Bank’s JomPAY service for customers registered under PB enterprise is only available through Internet Banking which can be accessed in the Payment module.
*To learn more about JomPAY or view the list of participating Interbank GIRO banks, visit www.jompay.com.my.
Look for the JomPAY logo and Biller Code on your bill and log in to PB enterprise and pay by selecting “Payment” and then “JomPAY”.
No, all JomPAY payments are free of charge.
First, check that your payment details such as Biller Code, Ref-1 and transaction amount are correct. Contact the Biller for any further queries or investigation.
Yes, you may save the respective biller as a favourite.
At present, the number of Billers available for you to pay differs significantly across Banks. You may not be able to make payments to a Biller if the Biller is not available at your Bank’s Internet & Mobile Banking channel. JomPAY creates an accessible and inclusive bill payment eco-system for consumers, Banks and billers so that all JomPAY Billers are available to all customers of participating banks in Malaysia.
A Biller Code is a unique way to identify a JomPAY Biller.
JomPAY payments are acknowledged by the business (or Biller) and your Bank on the day the payment is made.
Some Billers may impose a limit on the amount payable.
JomPAY allows you to collect payments from your customers using the Malaysian Banking system. Through JomPAY, the Banks in Malaysia become payment collection channels for your business. You only need to establish a relationship with 1 Bank to collect payments through 40 Banks in Malaysia. Your customers can pay you from any of the 40 Bank.
You will only need to liaise with 1 Bank (your Biller Bank). You can receive a consolidated report from your Biller Bank listing all incoming JomPAY transaction payments from all 40 Banks. You can also receive the report electronically for easy import into your accounting system.
JomPAY welcomes all businesses that are registered in Malaysia.
Under normal circumstances, payments initiated by your customers before 17:00 on a Banking Business Day will be credited to your Bank account on the same day. Billers and their Bank may agree on other arrangements.
A Biller Bank is sometimes called an Acquiring Bank, Merchant Bank or Master Biller Bank. It is the only Bank that you have to liaise with to receive JomPAY payments from all other Banks. Biller Bank provides a consolidated report of incoming payments to you.
In general, Billers would have only 1 Biller Code. Under exceptional circumstances, a Biller may have more than 1 Biller Code.
The Ref-1 is a unique number that you assign to your customers (and print on their bills) to identify your customers. Your customers will enter Ref-1 into their transaction when they make payment to you so that you can attribute payments received from the correct customer. For example, you can use customer numbers, invoice numbers or student numbers as Ref-1.
Unlike your existing arrangement where you can collect payments from customers of a particular Bank, JomPAY helps you to collect bill payments from customers of 40 Banks.
Using JomPAY as a collection method saves you time and money, improves your cash flow, and makes reconciliation of incoming payments easier. You will spend less time chasing payments and more time growing your business.
Here are just some of the ways JomPAY can help your business:
Simplify reconciliation.
Track bills with minimal effort with daily payment files designed for easy importing into your accounting system.
Accelerate cash flow.
Receive cleared funds in your account on the next Banking Business Day — and say goodbye to chargebacks and bounced cheques.
Manage your overheads.
Spend less time and money preparing and chasing bills.
Enjoy marketing support.
Build your brand and promote the benefits of fast electronic payments, with support from the JomPAY marketing team.
Through JomPAY, your customers can quickly, conveniently and securely pay you using the Internet and Mobile Banking services of 40 Banks in Malaysia. They have the option of paying you using funds from their Savings, Current or Credit Card accounts at their respective Banks. JomPAY will also be available at ATMs by end of December 2016. Best of all, JomPAY is free for your customers!
There are absolutely no admission, registrations or recurring maintenance fees. However, there is a small transaction fee for every payment received. This transaction fee would be agreed between you and your Biller Bank. You may request quotes from a few Banks to obtain a competitive transaction fee.
A real-time Payment Notification service is available so that you are immediately notified when a customer pays you.
A Biller Code is a unique number to identify you as a JomPAY Biller. Your customers simply enter your Biller Code to make payment to you. You need not reveal your Bank or account number to your customers for them to pay you using JomPAY.
As a JomPAY Biller, you may choose whether to allow your customers to pay you from their Savings, Current or Credit Card account.
Your current arrangements are not affected when joining JomPAY. For JomPAY, you only need to connect to 1 Biller Bank, but you may have more than 1 Biller Bank if required.
Yes, you can negotiate with your Bank. You may also obtain quotes from any of the 40 Biller Banks. You should be able to find a Biller Bank that offers an attractive and competitive JomPAY transaction fee.
PB enterprise Digital SME Assist Programme is a collaboration programme between Public Bank and its SME digital partners to provide our SME and corporate customers with exclusive privileges and rewards on digital business solutions.
All the benefits and rewards offered under the PB enterprise Digital SME Assist programme are exclusively available to PB enterprise customers with Public Bank Business Current Account.
You may click “Apply Now” and submit the interest form for the solution provider that you are interested in and our SME digital partners will reach out to you as soon as possible.
You may go to the nearest Public Bank Branch for Business Current Account opening and sign up for PB enterprise. Alternately, you may register your interest via our PB enterprise Online Application here. Our sale representative from the preferred branch that you have selected shall get in touch with you.
You may apply for as many offers as you want and enjoy all the benefits and rewards.