You Imagine
And We Build

Imagine your own branded payment card & mobile
wallet minus the huge investment & compliance worry.
At Bayo, we make it happen.

You Imagine
And We Build

Imagine your own branded payment card & mobile wallet minus the huge investment & compliance worry. At Bayo, we make it happen.

A Digital Initiative Brought To You Exclusively by CIDB

CIDB Construction Personnel Registration Card Powered by Bayo

As Seen On

We Are Bayo

Bayo Pay (M) Sdn Bhd is a homegrown financial technology company regulated by
Bank Negara Malaysia under the Payment System Act 2003 and a licensed entity by
Mastercard as an issuer of Mastercard payment card in Malaysia.

We employ the best-in-class technologies in payment system ensuring unparalleled
user experience.

We Are Bayo

Bayo Pay (M) Sdn Bhd is a homegrown financial technology company regulated
by Bank Negara Malaysia under the
Payment System Act 2003 and a licensed
entity by Mastercard as an issuer of
Mastercard payment card in Malaysia.

We employ the best-in-class technologies
in payment system ensuring unparalleled
user experience.

CIDB Construction Personnel Registration Card powered by Bayo

A Multi-Brand Payment Platform That Works Behind The Scene

As Seen On

Bayo offers a platform-based Payment
System-as-a-Service to our clients via
white-labelling our technology and payment
system rails needed to offer various financial
and non-financial products.

With our proprietary modular platform
design, we are capable of providing turnkey
payment solutions tailored to our clients’
requirements. We possess a complete building
blocks in running a payment system company
making it possible for our clients to run their
own programs in no time.

Use Cases For
Payment
System-As-A
-Service Platform

The obvious key advantages in using a
platform-based payment solutions have to
be the relative lower cost and speed to
market. Forward-looking and customer
centric organisations would benefit
from our solutions.

Fintech

Transit/Airline

Telco/MVNO

Funding Platform

Retailers

University/Colleges

Cooperative

Association/Societies

We've Got Your Back

Meaning, we’ve got it covered using
our back-end platform system.
From technology solutions to
compliance requirement, we bring
the expertise and know-how in
bringing your program to life.
What normally takes years to
implement will only require months
to go to market.

Utilising our powerful RESTful API
integration is swift and seamless.
Our Bayo Core Integration
Gateway (BCIG) enables our clients
to connect to our platform with
minimal complication and our team
of experts will be at hand to assist
you every step of the way.

As Seen On

Build Your
Own Payment
Instrument

Building your own payment program
from the ground-up can never be
easier. Just choose what you want
and we take it from there.

You can choose the type of payment
card you want depending on your
program requirement. You have the
option to use your own card design
or we can help you to design one.
Also, it can be either virtual only,
physical card or both. It is that
flexible. Our solutions cover both
proprietary close-loop card
programme and open-loop card
scheme utilising Mastercard
payment network.
Co-branding
Mastercard
Prepaid Card
Private Label
Mobile E-Wallet
Reward & Loyalty
Management
Virtual
Card
Through our partnership with
Mastercard, we are positioned to
offer the convenience of worldwide
acceptance and security protection
to our co-branded cardholders.
Cash withdrawal can be made at
any ATM machines in Malaysia
and abroad that accepts Mastercard.
That’s the convenience provided
when you have a Mastercard-branded
card where access to your cash is
not an issue.
Pair this with your very own mobile
wallet app to allow your customers
to benefit from the convenience of
mobile payment. Your own logo and
corporate identity will enhance your
branding and strengthens
customer loyalty.

Mobile Wallet Features:

background14

Your Money
Is Safe

Why Us

Running a payment system company
is quite complicated. Dealing with
system development, infrastructure
setup, system integration, licensing
application, regulatory compliance
and operational matters can be
quite overwhelming. Not to mention
the investment requirement which
can run up to tens of millions
of ringgit.
Now with Bayo we make it possible
for aspiring fintech companies and
corporate clients to offer their own
proprietary payment programmes
without the hassle and huge
investment cost.
Fast
Development
Licensed
Mastercard
Issuer
Safe
& Secure
Latest
Technology
Stack
Experienced
Team
UI/UX
Centrics
Products

Interested To
Offer Your
Payment
Instrument?

background15
Albeit a daunting task to start a
project, we are ready to assist you
in launching a successful payment
system programme. We stick to our
time-tested methodology in
managing project roll-out. Our
Project Delivery Team will
undertake a comprehensive scoping
exercise to understand your
requirement before executing
the actual work.

Once the build is completed, our
system engineers will undertake a
rigorous testing to ensure that our
new build for your programme
meets our quality and security
standards.

We would be delighted to hear from
you and discuss over coffee or tea.
Just fill up the form and we will
be in touch.

#LocalfintechTalents

Bayo is a local financial technology
company made up of talented and
hard-working individuals who share
a common believe. At the core of
our brand lies its people of different
background and experience.

We celebrate challenges and are known
to push the envelope to disrupt
‘business as usual’. Only then we can
achieve exceptional results and be
proud of our solutions that carry
our brand. We are what we build
and take pride in what is built.

If you are interested to explore a
career with us, feel free to drop
us a line.

A Multi-Brand Payment Platform
That Works Behind The Scene

Bayo offers a platform-based Payment System-as-a-Service to our clients via white-labelling our technology and payment system rails needed to offer various financial and non-financial products.

With our proprietary modular platform design, we are capable of providing turnkey payment solutions tailored to our clients’ requirements. We possess a complete building blocks in running a payment system company making it possible for our clients to run their own programs in no time.

Use Cases For Payment
System-As-A-Service Platform

The obvious key advantages in using a platform-based payment solutions have to be the relative lower cost and speed to market.
Forward-looking and customer centric organisations would benefit from our solutions.

Fintech

Transit/Airline

Telco/MVNO

Funding Platform

Retailers

University/Colleges

Cooperative

Association/Societies

Running your own branded payment solutions would add an additional revenue stream whilst improving customer experience to your brand.

Building a trusting, long-lasting relationship with your customers is essential in creating strong brand loyalty.

We've Got Your Back

Meaning, we’ve got it covered using our back-end platform system. From technology solutions to compliance requirement, we bring the expertise and know-how in bringing your program to life. What normally takes years to implement will only require months to go to market.

Utilising our powerful RESTful API integration is swift and seamless. Our Bayo Core Integration Gateway (BCIG) enables our clients to connect to our platform with minimal complication and our team of experts will be at hand to assist you every step of the way.

Private Label
Mobile E-Wallet

Reward & Loyalty
Management

Co-branding Mastercard
Prepaid Card

Virtual Card

Build Your Own
Payment Instrument

Building your own payment program from the ground-up can never be easier. Just choose what you want and we take it from there.

You can choose the type of payment card you want depending on your program requirement. You have the option to use your own card design or we can help you to design one. Also, it can be either virtual only, physical card or both. It is that flexible. Our solutions cover both proprietary close-loop card programme and open-loop card scheme utilising Mastercard payment network.

Through our partnership with Mastercard, we are positioned to offer the convenience of worldwide acceptance and security protection to our co-branded cardholders. Cash withdrawal can be made at any ATM machines in Malaysia and abroad that accepts Mastercard.

That’s the convenience provided when you have a Mastercard-branded card where access to your cash is not an issue.

Pair this with your very own mobile wallet app to allow your customers to benefit from the convenience of mobile payment.
Your own logo and corporate identity will enhance your branding and strengthens customer loyalty.

Mobile Wallet Features:

Your Money is Safe

Why Us

Running a payment system company is quite complicated. Dealing with system development, infrastructure setup, system integration, licensing
application, regulatory compliance and operational matters can be quite overwhelming. Not to mention the investment requirement
which can run up to tens of millions of ringgit.

Now with Bayo we make it possible for aspiring fintech companies and corporate clients to offer their own proprietary payment
programmes without the hassle and huge investment cost.

Fast Development

Licensed
Mastercard Issuer

Safe & Secure

Latest Technology
Stack

Affordable &
Flexible Payment

Licensed e-money Provider

Experienced Team

UI/UX Centric
Products

Interested to offer your own payment instrument?

Albeit a daunting task to start a project, we are ready to assist you in launching a successful payment system programme. We stick to our time-tested methodology in managing project roll-out. Our Project Delivery Team will undertake a comprehensive scoping exercise to understand your requirement before executing the actual work.

Once the build is completed, our system engineers will undertake a rigorous testing to ensure that our new build for your programme meets our quality and security standards.

We would be delighted to hear from you and discuss over coffee or tea. Just fill up the form and we will be in touch.

#Localfintechtalents

Bayo is a local financial technology company made up of talented and hard-working individuals who share a common believe. At the core of our brand lies its people of different background and experience.

We celebrate challenges and are known to push the envelope to disrupt ‘business as usual’. Only then we can achieve exceptional results and be proud of our solutions that carry our brand. We are what we build and take pride in what is built.

If you are interested to explore a career with us, feel free to drop us a line.