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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.
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
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
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.
Tutorial Videos
Construx Card / Construx Wallet / Construx Portal
Construx Card Introduction & Features
Construx Portal Registration
Construx Wallet Registration
Construx Wallet Mobile PIN Activation
Featured Articles
Bayo Pay develops Construx Payroll platform for construction companies, workers
Bayo Pay (M) Sdn Bhd (Bayo Pay) has developed the Construx Payroll platform, a digital salary disbursement gateway that will benefit all contractors and [...]
Construx mudahkan pembayaran gaji pekerja sektor pembinaan
KUALA LUMPUR: Syarikat teknologi kewangan tempatan, Bayo Pay (M) Sdn Bhd (Bayo Pay) memperkenalkan platform pembayaran gaji digital Construx bagi memudahkan pembayaran gaji buat [...]
Bayo Pay Tawar Platform Pembayaran Gaji, E-Dompet Kepada Syarikat, Pekerja Binaan
Syarikat pembinaan kini boleh menguruskan pembayaran gaji pekerja mereka secara terus ke Kad Hijau CIDB dan aplikasi dompet mudah alih Construx yang dibangunkan khas. [...]
BAYO PAY (M) SDN BHD has developed a digital salary disbursement platform that could benefit all contractors and construction personnel
BAYO PAY (M) SDN BHD has developed a digital salary disbursement platform that could benefit all contractors and construction personnel who have registered with the [...]
