What is Maybank E-Commerce Credit Card Facility?

Maybank e-Commerce Credit Card Facility is offering two (2) types of payment services for merchants to accept online credit card payment via Internet. The payment services are known as Maybank eBPG and Maybank2u.com. These e-services are hosted at Maybank and have a built-in interface to integrate with merchant’s website and store front server to enable online credit card payment under a 3DSSL protocol.

Maybank eBPG

Maybank eBPG is a real-time transaction processing system that functions as a payment gateway switch using a secure transaction server on the Internet. Merchants with a valid, enabled merchant account can use the system to submit, authorize and capture card transactions. In addition to the normal e-commerce functionality, Maybank eBPG supports 3-D Secure transactions, web-service based transactions and several other mechanisms, utilities and applications to help you process and manage e-commerce transactions.

E-Commerce Bank Payment Gateway

To offer a complete e-commerce authorization system, Maybank eBPG is made up of three main modules: the Checkout Application, the Merchant Plug-In and the Merchant Administration. The Checkout Application is the main module for e-commerce transaction processing. The Merchant Plug-In, or MPI for short, is the module that is fully integrated with the Checkout Application and is responsible for handling the 3-D Secure protocol. The Merchant Administration is the main front end application that provides a user friendly interface that can be used to manage your transactions.

Maybank2u.com

Maybank2u.com is a strategic alliance that gives merchants the opportunity to sell merchant’s products and collect payments from your customers online.

** In order for merchants to have the credit card payment facilities in Maybank2u.com, merchants must have or registered their company as Maybank2u debit payment facilities.

Maybank2u.com, the No 1 most visited website!

An online banking platform

Allow retail customers to perform secure online payment (i.e. monthly subscription / top-ups) via Maybank2u or Customs website using current and savings account and locally issued credit cards.

Value Proposition:

  • Customer access Maybank2u to view and pay all related GST bills.
  • Electronic Bill Payment and Presentment (WBPP)
  • Provides monthly bill statements online in electronic format.

Merchant’s customers can make payments via:

  • Maybank2u.com
    Maybank2u.com is a financial portal that provides information and online financial services comprising of online banking, online stocks, online insurance, online shopping and bill payment services. Merchant’s customers can pay their bills online by debiting their Maybank Savings/Current Account(s) or Credit Cards issued locally by Maybank and other financial institutions.
  • Merchant Website (Payment Link/Debit Engine)
    With Maybank2u.com payment link deployed at merchant’s website, merchant’s customers can make payments online at merchant’s website by debiting their Maybank Savings/Current Account(s) or Credit Cards issued locally by Maybank and other financial institutions.

To ensure safety and confidentiality of transactions, all payments are done in a secured environment. We have employed the latest Internet security technology and various security practices in our portal.

Maybank E-Commerce Credit Card Facility Merchant’s Requirement

Minimum Requirements

  • To be a Public Listed/Sdn Bhd company.
  • Number of years in the business must be at least 1 year in operation.
  • The company must have an appropriate office site and should not be operating from personal home / residential area.
  • The company must be locally registered in Malaysia.
  • Minimum monthly sales of RM50,000.00
  • The website must be ready and comply with Maybank’s website checklist requirements as per Appendix II.
  • Merchant needs to install (coding) MPI at merchant’s web server at merchant own cost for the integration with Maybank eBPG and Maybank2u.com.
  • Merchant must have a fraud mitigation system that can mitigate the credit card fraud online. If Merchant used any anti-fraud warning system software/application, the software must at least have the following features:
    1. Fraud behaviour detection
    2. Black list check
    3. Risk ranking indicator
    4. Multiple attempt indication

Documents

The e-Commerce Merchant Application Form must also be accompanied by certified true copies of the following documents:

  1. Form 49
  2. Form 24
  3. M & A
  4. Company Profile (Hard Copy - in addition to the web site)
  5. Company Current A/C or Bank Statement for the last 6 months.
  6. If the company does not have MBB Current A/C, please furnish us the copy from other banks/financial statements for the last 6 months.
  7. Company’s Resolution or Board of Director’s Resolution for authorised signatory to operate current account.
  8. Proposal on Business Model
  9. Financial Statement / Audited P&L (last 2 financial years)

Forwarding Address

You need to fill in the application form on Appendix I and submit all the necessary documents as stated above to the following address :

e-Commerce
Or
Maybank2u.com
e-Commerce
Merchant Business Department
Card Business Group
Malayan Banking Berhad
38th Floor, Menara Maybank
100, Jalan Tun Perak
50050 Kuala Lumpur
Business Planning & Development Department,
eChannels, Retail Financial Services, Malayan Banking Berhad, 23rd Floor, East Wing Menara Maybank, 100, Jalan Tun Perak,
50050 Kuala Lumpur

Merchant Discount Rate

Upon reimbursement to the company’s current account, each transaction is deducted based on the MDR offered by the bank. Indicatively, the range of MDR is between 3.0% to 5.0% or higher (subject to Maybank’s recommendation).

Pricing/Fee

 Maybank eBPGMaybank2u.com
1. Transaction FeeMerchant Discount Rate (MDR)

Merchant Discount Rate (MDR) - credit card

2. Processing feeRM100.00RM100.00
3. Stamping feeRM20.00RM20.00
4. Integration feeBy own third party IT providerBy own or third party IT provider
5. Other FeeRM2000 Annually

Must have debit payment

  • One Time RM2000 for debit facilities.
  • Service Charge of MDR/transaction fee or minimum of RM100 whichever is higher.

Currency

Maybank eBPG offers a multicurrency transaction. Please specify the currency that you wish to have. Settlement can be in the transacted currency or in Malaysian Ringgit (MYR). Maybank2u offers only for local credit and settlement in Malaysia Ringgit (MYR).

Approved Documents

Once application is processed and approved, we shall furnish you with the following documents:

  • 2 sets of e-commerce credit Card Acceptance facility letter of Offer
  • 2 sets e-commerce Merchant Agreement

Notes:

  1. The letter and agreement must be signed by Authorised Signatory of the company. Stamping of agreement will be made by the bank and a copy of this stamped agreement shall be forwarded to you.
  2. Upon approval, merchants are given Six (6) month from the date of the Letter Offer/Agreement to complete the Integration work with Maybank’s Payment Gateway, failing which the offer will lapse and merchant is required to submit a new application.

MPI Installation

Merchant needs to install (coding) MPI at merchant’s web server at merchant own cost for the integration with Maybank eBPG and Maybank2u.com.

Testing

Once integration process is completed, you can request for a testing date from Maybank. The merchant should inform Maybank three (3) days before the testing date. This test will take about three (3) days and you may extend the testing date provided you had obtained confirmation from the bank.

Live Cut-Over

Once the testing is successful, you can request to be in the live environment. Please notify us at least 3 (three) days in advance.

Click here for the Maybank E-Commerce Credit Card Facility FAQs

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