Discover what’s in store with

Construx Overview

Construx is essentially a brand with product & solution line-up that came about from a collaboration programme between Construction Industry Development Board (“CIDB”) 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 initiative is part of the government effort to not only enhance the service delivery to stakeholders but to also digitalize and transform the construction industry in Malaysia.

Construx consists of a number of products designed to cater to different stakeholders under this programme; CIDB Construction Personnel Registration Card, Construx wallet and Portal as well as Construx Payroll. CIDB Construction Personnel Registration Card, Construx wallet and Portal are intended for the use of all the construction personnel accredited by CIDB Malaysia whilst Construx Payroll is intended for the use of the employers of the construction personnel i.e. construction companies that are registered with CIDB Malaysia.

Scroll down to know more about these products!

It’s A Dual Function Smart Card!

The all-new Construction Personnel Registration Card (“Card”) is a dual-function smart card;it is an ID and a payment card designed specifically for all construction personnel in Malaysia. Equipped with more security features i.e. 2-Factor Authentication Security Standard; EMV-certified chip and QR code, the Smart Card is highly secure, tamper-proof and nearly impossible to counterfeit.

As ID Card

An All-New CIDB Construction Personnel Registration Card Design

2-Factor Authentication Security Standard

Contain features like EMV-certified chip & personalized QR code

Highly secure, tamper-proof and nearly impossible to counterfeit

As Payment Card

Mastercard Co-branded Payment Card / Salary Card

Worldwide Payment Acceptance

Chip & Pin and Contactless Payment Methods

Points & Rewards Benefits

Cash Withdrawal At ATMs That Accepts Mastercard
Affin Virtual Account

Be It For ID Purposes or Payment Purposes, Physical or Virtual ID and Payment Instrument, We’ve Got Your Back!

CIDB Construction Personnel Registration Card (“Card”) is attached with Construx wallet – which means, you get to enjoy virtual ID (e-ID) as well as virtual wallet! Here’s why you should sit back, relax and enjoy using the card!

Security & Protection

Because Bayo is regulated by Bank Negara Malaysia (“BNM”) and a Principal Member of Mastercard Asia/Pacific, we have to comply to numerous security requirement both local and international. On top of this, stringent fraud monitoring is also in place to protect your cash from unauthorised transactions.

Full Access to Your Money

With multi-channel platform, you don’t have to worry about leaving your card behind, all you need is your phone! Lost your card? Fret not, You can temporarily block your card using Construx wallet! On top of this, stringent fraud monitoring is also in place to protect your cash from unauthorised transactions.

Mastercard Certified

Your certified Mastercard Prepaid Card is a globally recognized Card, where you have full access to a worldwide payment acceptance. On top of this, stringent fraud monitoring is also in place to protect your cash from unauthorised transactions.

Your Money Is Safe

All funds under Bayo Trust Account are kept with regulated financial institutions at Maybank. It is managed by Universal Trustee Malaysia Berhad (UTMB), an independent corporate trustee, in line with Bank Negara Malaysia’s regulation and requirement.

What Is Construx Wallet?

The Construx Wallet is a mobile app designed for all construction site personnel that is registered with CIDB in Malaysia, and is linked to your physical CIDB Card.

View The Whole Package!

The all-new CIDB Card comes with a mobile app and web portal platform for you to access and manage your account anytime, anywhere!

Construx Wallet

Fully experience the digital lifestyle anywhere, anytime in one platform.

CIDB e-ID
e-Payment / Virtual Card
Online On-boarding via e-KYC
Remittance
QR Pay
Funds Reload
Online Payment & In-App Purchases
P2P Funds Transfer
Bill Payment & Telco Top-Up
Marketplace
Account Management & Settings
CIDB Dashboard

Payments In A Flash

It’s the fastest and most flexible way to pay, top-up, send and receive money.

Express Payment Transfer

When it comes to moving your funds, you have the option to send and receive money via QR Code and even through a mobile number. Just take your pick and send!

Lost / Stolen Card

That’s not a problem. You can personally block your card temporarily, via Construx Wallet or Construx Portal so no one else can use it. even through a mobile number. Just take your pick and send!

Reload Made Easy

With the FPX feature, online reload is really easy, fast and simple. Whether it’s RM10 or RM10,000, it only takes a few clicks to get that done! Just take your pick and send!!

Online Training

Heighten your building expertise through CIDB online training and certificates programme all done via the Construx Mobile Wallet. Just take your pick and send! Just take your pick and send!

Marketplace, Bill Payment and Telco Top-Up

From settling your bill, to getting your essential supplies, to getting errands done or simply online shopping, we will get you sorted! Just take your pick and send!

The Right Tools For Faster Payments

A welcoming convenience for users to pay their bills, reload, shop and dine via a trusted and secured payment platform.

CIDB Dashboard

Site Supervisor Module

An easy to use Construx Wallet feature that allows site supervisor to do fast verification and attendance report and monitoring of employee on site via QR scan.

An easy-to-use add-on function of Construx Wallet intended for site supervisors of each companies

Record employee attendance via QR scan

Attendance Report Module

Construx Portal

Access to your personal card and wallet account management via a dedicated, simplified and secure web portal platform.

Online Registration via Portal

Simple UI With Superior UX

Funds Transfer and Reload

Check Balances and Transaction History

Account Management

What To Do To Get On-boarded?

Step 1 : Apply Card

Apply the CIDB Construction Personnel Registration Card from CIDB Malaysia at www.cidb.gov.my

Step 2 : Register & Activate Card

Download Construx Wallet from Google Play Store, Apple Store or Huawei App Gallery and complete the registration process to activate card

Step 3: Reload Card

Reload the Card via Construx app or Construx portal

Step 4: Use Card

Upon reload, your CIDB Card is ready to be used for payment and other features. For first payment transaction via Card, please use Chip and Pin to activate the contactless (‘wave’) feature.

Construx Payroll

A payroll management platform developed by Bayo to cater to the needs of companies/employers in construction industry registered with CIDB when it comes to salary crediting to employees especially the unbanked ones. Via this platform, salary is credited to employees’ CIDB Construction Personnel Registration Card.

Free for all companies registered with CIDB! Interested companies click on ‘Register Now!’

Employer Onboarding

Payroll Management

Roles Segregation

Secure

Salary Crediting

Free And Easy To Use

The Features

Employer On-boarding

This process allows companies to register with Construx Payroll and submit necessary documents for verification purposes.

Upon the success of registration, employers will be notified by email with approval to access the Construx Payroll for managing salary payments to all employees.

Roles Creation

This function allows employers/companies to create ‘Maker’ and ‘Checker’ roles for segregation of duties and risk and control management.

Salary Crediting

Funds transfer is done securely via FPX after the necessary approval from company’s ‘Checker’.

Once successful, salary will be credited into employees’ CIDB Card.

Employees will be able to access their salary via Construx Wallet and Construx Portal and make online transactions instantly. Employees are also able to do cash withdrawal at any ATM machines that accepts Mastercard payment card globally.

*All features are subjected to the terms and conditions.

Construx Payroll to Facilitate

Companies in Construction Industry

Simple on-boarding process for employers

Cost-effective solution

Eliminate the need for employers to open up bank accounts for foreign workers

Free to use

Eliminate cost and issues associated with cash-handling especially related to the unbanked for the employers

Better payroll management within the construction companies

Instant and convenient access to salary 24/7 for the employees

Construx Payroll to Facilitate

Companies in Construction Industry

Simple on-boarding process for employers

Cost-effective solution

Eliminate the need for employers to open up bank accounts for foreign workers

Free to use

Eliminate cost and issues associated with cash-handling especially related to the unbanked for the employers

Better payroll management within the construction companies

Instant and convenient access to salary 24/7 for the employees

The Features

Employer On-boarding

This process allows companies to register with Construx Payroll and submit necessary documents for verification purposes.

Upon the success of registration, employers will be notified by email with approval to access the Construx Payroll for managing salary payments to all employees.

Roles Creation

This function allows employers/companies to create ‘Maker’ and ‘Checker’ roles for segregation of duties and risk and control management.

Salary Crediting

Funds transfer is done securely via FPX after the necessary approval from company’s ‘Checker’.

Once successful, salary will be credited into employees’ CIDB Card.

Employees will be able to access their salary via Construx Wallet and Construx Portal and make online transactions instantly. Employees are also able to do cash withdrawal at any ATM machines that accepts Mastercard payment card globally.

*All features are subjected to the terms and conditions.