PUBLIC BANK

CASH MANAGEMENT
SERVICES
Ai Vern, Wong (Ms)
Transaction Banking, Public Bank Berhad
03-2177 3218
wong.aivern@publicbank.com.my
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 Overview Of PB Cash Management Services
PB Cash Management Services is a comprehensive service package
aims to provide simplified solution for business to expedite collection
and payment from various parties and channels.

Account Fund
Inquiry Transfer

Cheque
Payment
Management

Investment Collection

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 PB Cash Management Services

• PB ECP (Online Bulk Payment)

• eDistribution
Payment • eDividend
• Online Statutory Payment
(KWSP / SOCSO / LHDN / Tabung Haji / Zakat)

Internet Banking Direct Debit

• Bill Payment • PBB Direct Debit
• JomPAY • MyClear Direct Debit
• PBB Payment Agent Self-Service Terminals
Collections (Direct Connection) • ATM
• FPX B2C / B2B • CDT
• eIPO (Initial Public Offering) • CRM
• eRights • CDM
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 PB Electronic Credit Payment (PB ECP)
PB ECP is a module in our PBe Online Banking that enables our
customers to make online bulk payments by uploading the payment file.
Type of Payments:
Payments to:
Intrabank (PBB to PBB)
Suppliers / Vendors - No limit
Interbank GIRO (PBB to Others)
Salary (Employees) - Max RM1Mil/Txn
Bonus / Commission RENTAS (PBB to Others)
- Min RM10K, Max RM5Mil/Txn
PB ECP
Features:
Future-dated payment  Currency : Ringgit Malaysia
Payment Notification  Crediting to CASA Accounts
(SMS/email) Only
Optional ID Checking
Bulk Approval  Daily Limit : None
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 3-Easy-Steps of Using PB ECP

1 2 3

• Offline • Online (PBe) • Online (PBe)

• Maker • Uploader • Authorizer
• Login ID only • Login ID &
Token

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 Step 1: Prepare Payment Data File
PB ECP Supports 2 Payment File Formats:
1.Excel

 Companies without Accounting/Payroll Software

 Less than 200 transactions per month*
 Template provided by PBB

2.Text (Fixed Length)

 Companies with existing Accounting/Payroll Software

e.g. HR2000, SQL, UBS, MYOB etc.
 More than 200 transaction per month*
 File Specification provided by PBB

*recommendation only 2014 Public Bank Berhad. All Rights

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 PB ECP Payment File Format:
Microsoft Excel
 Payment Date can be future-dated up to 30 Days

4567891230 CHEW JIN JIN 890106121234 NI 0162341390

5678901234 A.RAHMAN ALI 680205131235 NI 0162341390
4567891230 AZIZI BIN RAHMAN 580304141236 NI 0162341390
4567891230 RAJESH A/L SAMY 840403121237 NI 0162341390
5678901234 NURUL BINTI JOHAR 830502131238 NI 0162341390
5678901234 SARAH A/P SAMY 820601141239 NI 0162341390

Mandatory fields e.g. Optional w.c. SMS/Email Optional fields.

Payment Type, Amount, Mandatory if ID Payment Joint Bene. columns
Payment Purpose, BIC, Checking ENABLED Notification are only applicable to
Account Number, Bene (Optional) RENTAS payment to
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Name. Reserved. Confidential and Proprietary. Joint Account ONLY7
PB ECP Payment File Format:
Text File (Fixed Length)

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Step 2: Upload Payment Data File (Login PBe)

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 PB ECP – Go to PBe Business Banking

Select “Business”

Switch from Personal to Business. You only need ONE login ID &
Password to access to both your Personal & Business profile.
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 PB ECP – Go to PBe Business Banking

PRIME
PRIMARY SDN BHD
SECONDFIN
SECONDARY SDN BHD
SECONDHR
SECONDARY SDN BHD

Select “Entity”

SINGLE Sign-On to ALL your companies/subsidiaries

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PB ECP – Go to Payment Module

Select “Payment”
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 PB ECP – Go to ECP/eDividend

Select ECP/eDividend File Upload from the side-bar menu to

upload the payment file
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PB ECP - Upload Payment File
1. Select Funding
Account(s)
2. Browse to locate
the payment file
from your PC to
upload

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 PB ECP – Payment File Summary

Summary of the payment file you uploaded with details

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 PB ECP – View Content Screen

Screenshot of the file content

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PB ECP – Select Authorizer/Approver

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 PB ECP File Upload Status

1. ECP / eDividend File Upload Status: Pending / Approved / Rejected

2. ECP / eDividend Transaction Status Report: Successful / Unsuccessful Txn
Reports etc.
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Step 3: PB ECP – Transaction Approval

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 PB ECP – Transaction Approval
1

1. Single Transaction Approval

2. Multiple ECP Files Transaction Approval
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PB ECP – Approve Payment File Summary Page

Data # 1
Data # 2

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PB ECP – Approve Payment File with Token
Authorizers are required to
278894 use SecureSign Token to
Data # 1
approve ECP Payment File.

The SecureSign Token is an

Data # 2 independent portable
keypad device with long
battery life of between 4
to 5 years.

Authorizer needs to key in

the 2 data sets (red color
font) displayed in Approval
Screen into the Token to
generate the SecureSign
Code.
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Reserved. Confidential and Proprietary.
 PB ECP – Standard Operating Terms (IBG)
File Upload and Approval Stop Payment Instruction Estimated Fund Received By
Processing Window for PB ECP
Cut-Off Time on T Day Cut-Off Time (Manual) Beneficiary via IBG

Before T Day By 3.00pm on T-1 Day By 11.00am on T Day

Window 1 By 5.00am on T Day Not allowed on T Day By 11.00am on T Day

Window 2 By 8.00am on T Day Not allowed on T Day By 2.00pm on T Day

If T Day = Business
Days Window 3 By 11.00am on T Day By 9.30am on T Day By 5.00pm on T Day

(Mon to Fri) Window 4 By 2.00pm on T Day By 12.30pm on T Day By 8.20pm on T Day

Window 5 By 5.00pm on T Day By 3.30pm on T Day By 11.00pm on T Day

After Window 5 on T Day Not allowed N/A N/A

If T Day = Non-Business Day

By 11.00am on next business
Not allowed on T Day
day
(Sat, Sun & FT Public Holidays)

Note:
Payments via Intrabank will be received within 2 hour after the respective processing time
(Window 1 to 5) by the beneficiary.
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 PB ECP – Standard Operating Terms (RENTAS)
Estimated Fund Received By
File Upload and Approval Stop Payment Instruction
Processing Window for PB ECP Beneficiary via Rentas
Cut-Off Time on T Day Cut-Off Time (Manual)

Before T Day By 3.00pm on T-1 Day By 11.30am on T Day

Window 1 By 5.00am on T Day Not allowed on T Day By 11.30am on T Day

If T Day = Business Window 2 By 8.00am on T Day Not allowed on T Day By 11.30am on T Day
Days
Window 3 By 11.00am on T Day By 9.30am on T Day By 1.30pm on T Day
(Mon to Fri)
Window 4 By 2.00pm on T Day By 12.30pm on T Day By 4.30pm on T Day

After Window 4 on T Day Not allowed N/A N/A

If T Day = Non-Business Day By 11.30am on next business

Not allowed on T Day day
(Sat, Sun & FT Public Holidays)

Note:
Rentas below RM 10K per transaction (Windows 1 to 4) will be routed to IBG.
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Reserved. Confidential and Proprietary.
 PBe Online Statutory Payment
PBe Online Statutory Payment enables our corporate customer to perform
KWSP/LHDN/SOCSO payment easily by uploading the contribution file
(stipulated format by respective statutory bodies)
Requirements:
Maintain Current Accounts with Public Bank
Sign up for PBe Online Banking (Corporate)
Required Software Options:
•Own Accounting/Payroll Software e.g. Sage UBS,
MYOB, QuickPay, HR2000
•EPF Contribution Software http://goo.gl/tOjxCw
•Sistem Caruman PERKESO Software
(available to download at PERKESO website)
http://www.perkeso.gov.my/my/perlindungan-keselamatan-sosial/kelayakan-majikan-dan-pekerja/sistem-caruman-
perkeso.html
•LHDN PCB Software
(available to download at PERKESO website)
http://www.hasil.gov.my/pdf/pdfam/Perisian_PCB.zip
•Request the pre-loaded software CD from the Bank (Account Holding Branch)
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Reserved. Confidential and Proprietary.
Online Statutory Payment at PBe
(KWSP / SOCSO / LHDN / Tabung Haji / Zakat)

Select “Other Payment”

at Payment Module

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Online Statutory Payment at PBe
(EPF & SOCSO Preliminary Test File)

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 Online Statutory Payment at PBe
(SAMPLE: SOCSO Brg8A Text File)

Text File Format:

Fixed Length
Specific position for specific field e.g. position 1-12 is for Kod
Majikan, position 201-214 is for Jumlah Caruman

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Reserved. Confidential and Proprietary.
Online Statutory Payment at PBe
(Submit EPF Contribution)

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Online Statutory Payment at PBe
(Summary of the Uploaded File)

3123456789

1234567

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Online Statutory Payment at PBe
(Internet Banking Receipt)

3123456789

1234567

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Reserved. Confidential and Proprietary.
 Online Statutory Payment at PBe
(Re-print Transaction Receipt)

EPF Payment 5200.00

LHDN/PMF Payment (Open) 2400.00

Bill Payment to Other Bill 180.80
Fund Transfer to Favorite PB Account 250.00
Loan Payment (Own) 1724.00

Transaction Approval  Maker Transaction Status  View Completed

Transaction 2016 Public Bank Berhad. All Rights
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Reserved. Confidential and Proprietary.
Online Statutory Payment at PBe
(Submit PCB Contribution)

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Online Statutory Payment at PBe
(Income Tax Payment)

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Reserved. Confidential and Proprietary.
Online Statutory Payment at PBe
(Tabung Haji Payment)

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Reserved. Confidential and Proprietary.
Online Statutory Payment at PBe
(Zakat Payment)

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Reserved. Confidential and Proprietary.
MyGST – KASTAM Payment at PBe

(Optional)

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Reserved. Confidential and Proprietary.
 Multiple Bill Payment at PBe

3010 – Syarikat Bekalan Air Selangor (SYABAS) 0000123456

3620 – Tenaga Nasional Berhad 0000123456

All registered FAVOURITE Bills will be displayed in “Multiple Bill

Payment” module
2014 Public Bank Berhad. All Rights
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Reserved. Confidential and Proprietary.