Monday, 27 February 2017, 30 Jamadilawal 1438H Solat Time:
KL Imsak 5:59 | Subuh 6:09 | Syuruk 7:24 | Zohor 1:29 | Asar 4:44 | Maghrib 7:29 | Isyak 8:38

JomPAY


FREQUENTLY ASKED QUESTIONS
1.  What is JomPAY?
JomPAY is a national initiative, supported by Banks, to enable online bill payments across Malaysia. MyClear, a wholly owned subsidiary of Bank Negara Malaysia, operates JomPAY.
2. What can JomPAY do for me?
With JomPAY, you can pay any bills through Internet Banking using funds from your Savings or Current accounts. It’s fast, safe, and convenient.
3.  Is JomPAY free?
Yes, JomPAY is absolutely FREE for customers who are making bill payments.
4.  Where can I find JomPAY?
JomPAY is available at Internet Banking.
5.  Do I have to register before making payments with JomPAY?
No registration is required with JomPAY.
6.  How do I pay with JomPAY?
It’s simple. All you have to do is to look for the JomPAY logo and Biller Code on your bill, logon to your Internet Banking, and pay.
7.  How long does it take for my payment to go through?
When you make a JomPAY payment before 17:00 on a Banking Business Day, the Biller will receive payment on the same day. If you make a JomPAY payment after 17:00, the Biller will receive payment on the next Banking Business Day.If you make a payment on a non-Banking day, such as on a weekend or a public holiday, the Biller will receive payment on the next Banking Business Day.
8.  Can I make a future dated payment?
Yes, you will be able to schedule a payment to occur on a future date. However, some Banks are still enabling future dated payments in stages and all banks are expected to offer this service by end of 2015.
9.  How is JomPAY different from my existing bill payment service of my bank?
JomPAY makes it easy to pay a wide range of bills across banks in Malaysia. JomPAY creates an accessible and inclusive bill payment eco-system for customers, Banks and Billers so that all JomPAY Billers are available to all customers of 42* Banks in Malaysia.
10.  Is there a limit for JomPAY payment?
Some Billers may impose a limit on the amount payable via certain accounts. Additionally, since JomPAY transactions are performed at Internet Banking, a daily Internet Banking limit may apply.
 * Will be offering JomPAY by June 2015
TERMS & CONDITIONS
In this Payer Terms, “You”, “Yours” means any person or entity using the JomPAY services and having an account with us as our customer, unless otherwise stated. “We”, “us” or “our” will refer collectively as Bank Islam Malaysia Berhad which is the bank that is providing financial services to you.
1. Payments
a. We will process payment to Biller in accordance with your Payment Instructions based on the following timelines :
Payment Initiated by Customers Funds Received by Recipient*
Business Days
Monday – Friday
Before 5:00 am Same Day By 11:00 am
5:01 am to 8:00 am Same Day By 02:00 pm
8:01 am to 11:00 am Same Day By 05:00 pm
11:01 am to 2:00 pm Same Day By 08:00 pm
2:01 pm to 5:00 pm Same Day By 11:00 pm
After 5.00 pm Next Working Day By 11:00 am
Non-Business Days
(Saturday, Sunday and Federal Territory Public Holidays)
Next Working Day By 11:00 am
b. We will not accept orders to stop Payment Instructions once you have instructed us to make the Payment Instructions except when :
i. We have reasonably concluded that the Payment Instructions were fraudulent or unauthorised; or
ii. The Payment Instructions are future dated payments that we have not transmitted to IBG.
c. You should notify us immediately if you become aware that you have made a mistake (except for underpayment) when instructing us to make a payment, OR if you did not authorise a payment that has been made from your account. Recovery of funds for such payments shall be described in Clause 2.
d. You must ensure that you inform us the correct amount you wish to pay. If you later discover that the amount for payment required to be paid is lesser than the amount for payment that you have informed us to pay, you can make another payment for the difference of the said amount.
2. Recovery of Funds and Liability for Payments
a. We will rectify Mistaken Payment Instruction made by you according to the terms and conditions herein, provided the following conditions are satisfied :
i. You immediately inform us that you become aware of any delays or mistakes in processing Payment(s); and
ii. We are satisfied that Mistaken Payment Instruction has occurred.
b. Subject to Clause 2(a), we will attempt to rectify any such matters in relation to Mistaken Payment Instructions made by you, in the way described in this clause :
i. For misdirected payments, duplicated payments or incorrect Biller Code or incorrect RRN, we shall submit a
request to recover funds to the Biller Bank that received the erroneous funds;
ii. Upon our satisfaction that the error for incorrect amount payment is caused by the Biller, we shall carry out a Reversal to your account and submit a request to recover funds to the Biller Bank of the Biller for the error;
iii. For payment that is not completed or failed at our end, we shall credit back the amount of the failed payment into
your account upon our satisfaction that the Payment Instruction failed and was not duly processed at our end;
iv. For payment that is not completed or failed at the Scheme Operator’s end or the Biller Bank’s end, we shall credit back the amount of the failed payment to your into your account before initiating a recovery of funds request.
c. Recovery of funds requests made on your behalf for Mistaken Payment Instruction mentioned in Clause 2(c) or Erroneous Payments shall be processed in accordance with Clause 3. Subject to Clause 3, we will work with the Affected Participant to request and recover the funds on your behalf.
d. All enquiries or complaints raised by you regarding Mistaken Payment Instruction shall be resolved no later than fourteen (14) Business Days. All enquiries and complaints received after 5pm on a Business Day would be deemed received at the start of the next Business Day.
e. We are entitled to debit your account (for recovery of funds), in the event we did not debit your account after Payment Instruction has been properly and successfully executed.
f. Subject to Clause 3 herein (for requests of funds made by Payer Bank) we are entitled to debit your account for funds credited into your account due to the following payments made by persons other than you :
i. Mistaken Payment Instructions;
ii. Erroneous Payment Instruction;
iii. Unauthorised Payment Instruction; and
iv. Fraudulent Payment Instruction;
3. Erroneous Payment Instruction/Mistaken Payment Instruction
a. You may request for recovery of funds that were incorrectly transferred to Affected Bank Customer who is a non-Biller in the following manner:
i. Recovery of funds wrongly credited to Affected Bank Customer who is not a Biller, of which request is received within twenty (21) Business Days from date of Erroneous Payment Instruction/Mistaken Payment Instruction, we shall proceed with the recovery of funds and remit the funds into your account within four (4) Business Days, if the following conditions are met :
The Affected Participant is fully satisfied that funds were erroneously credited to the Affected Bank Customer’s account;
There is sufficient balance in the Affected Bank Customer’s account; and
There is no evidence that the Affected Bank Customer is entitled to the funds in question.
ii. Recovery of funds wrongly credited to the Affected Bank Customer who is not a Biller, of which request is received between twenty two (22) Business Days and seven (7) months from date of Erroneous Payment Instruction/Mistaken Payment Instruction, we shall proceed with the recovery of funds and remit the funds into your account within 11 Business Days, if the following conditions are met:
The Affected Participant is fully satisfied that funds were erroneously credited to the Affected Bank Customer’s account; and
There is sufficient balance in the Affected Bank Customer’s account;
There is no evidence that the Affected Bank Customer is entitled to the funds in question.
iii. Recovery of funds wrongly credited to Affected Bank Customer who is not a Biller, of which request is received after seven (7) months from date of Erroneous Payment Instruction/Mistaken Payment Instruction, we shall proceed with the recovery of funds and remit the funds into your account within four (4) Business Days, if the following conditions are met :
The Affected Participant is fully satisfied that funds were erroneously credited to the Affected Bank Customer’s account; and
There is no evidence that the Affected Bank Customer is entitled to the funds in question; and
The Affected Bank Customer has given his/her consent for us to debit their account.
b. Payment Instructions arising from fraud, which include but is not limited to :
i. Payment Instruction initiated or generated by a party that is not authorised to make the payment. This could occur if a party obtains unauthorised access to your payment channels and initiates Payment Instructions without authorisation from you;
ii. You are misled into making a Payment Instruction that benefits a party other than the party intended by you. This could occur if a Biller generates fake bills or a third party tampers with genuine bills to cause payments to be diverted; and
iii. You make a Payment Instructions to a fraudulent biller who does not deliver the goods and services for which the payment was made. This could occur if fraudsters enrol into the Scheme as Billers to fraudulently collect payments. If we are responsible for Erroneous Payments described above, we shall reverse out all debits erroneously posted to your account.
c. You may request for recovery of funds that were incorrectly transferred to Affected Bank Customer who is a Biller in the following manner :
i. Subject to Clause 3(c)(i), if the request is received within twenty one (21) Business Days from date of Erroneous Payment Instruction/Mistaken Payment Instruction, we shall proceed with the recovery of funds and remit the
funds into your account within four (4) Business Days :
If the Affected Participant is fully satisfied that funds were erroneously credited to the Affected Biller;
The funds have been credited to the Affected Biller’s account;
The Affected Biller has not acted on RTN;
The RTN has not been delivered to the Affected Biller;
There is sufficient balance in the Affected Biller’s account to cover the recovery amount; and
The Affected Participant shall give written notification to the Affected Biller before debiting its account.
ii. If the funds have not been credited to the Affected Biller’s account and that the Affected Biller has acted on RTN (has delivered goods or has provided services), the funds may not be fully recovered.
iii. Recovery of funds wrongly credited to Affected Bank Customer who is a Biller, of which request is received between twenty two (22) Business Days and seven (7) months from date of Erroneous Payment Instruction/Mistaken Payment Instruction, the recovery of funds shall be processed in accordance with Clause 3(a)(ii) herein.
iv. Recovery of funds wrongly credited to Affected Bank Customer who is a Biller, of which request is received after seven (7) months from date of Erroneous Payment Instruction/Mistaken Payment Instruction; the recovery of funds shall be processed in accordance with Clause 3(a)(iii) herein.
d. Notwithstanding the aforesaid, if the funds for Erroneous Payment Instruction or Mistaken Payment Instruction cannot be recovered or fully recovered due to insufficient balance in the Affected Bank’s Customer’s account, it will be deemed an Unrecoverable Loss. For avoidance of doubt the party who is responsible for the error, caused the error, causing the incomplete or failed Payment is liable for the Unrecoverable Loss.

Unauthorised Payment Instruction and Fraudulent Payment Instruction
e. We shall upon receiving report from you alleging that Unauthorised Payment Instruction was made, or upon becoming aware of Unauthorised Payment Instruction originating from us, remit the funds into your account within one (1) Business Day from date of receipt from the Biller, if the following conditions are met :
i. We shall conduct an investigation and determine within fourteen (14) Business Days, if the Unauthorised Payment Instruction did occur;
ii. If we are satisfied that the Unauthorised Payment Instruction occurred or fourteen (14) Business Days has lapsed, we shall initiate a Reversal process whereby all debit posted to your account arising from the Unauthorised Payment Instruction would be reversed; and
iii. The Biller Bank has not applied some or all the funds in question for the benefit of the Beneficiary of Fraud.
f. For Fraudulent Payment Instruction, we shall upon receiving report from you alleging that Fraudulent Payment Instruction was made, or becoming aware of Fraudulent Payment Instruction originating from us, remit the funds into your account within one (1) Business Day from date of receipt from the Biller, if the following conditions are met:
i. We shall conduct an investigation and determine within fourteen (14) Business Days, if the Fraudulent Payment Instruction did occur;
ii. If we are satisfied that the Fraudulent Payment Instruction occurred or fourteen (14) Business Days, has lapsed, we shall initiate a Reversal process whereby all debit posted to your account arising from the Fraudulent Payment Instruction would be reversed; and
iii. The Biller Bank has not applied some or all the funds in question for the benefit of the Beneficiary of Fraud.
g. Notwithstanding the aforesaid, if the funds for Unauthorised Payment Instruction or Fraudulent Payment Instruction cannot be recovered or fully recovered, it will be deemed an Unrecoverable Loss.
h. No chargeback rights will be available under the Scheme and will not be applicable for Payments made using Cards.
i. You shall indemnify us against any loss or damage suffered due to any claim, demand or action brought against us arising directly or indirectly from negligent and fraudulent acts in the Terms and Conditions by you.
4. Batch Payments
a. Subject to our agreement, you are allowed to -intake Batch Payment :
i. You are making Batch Payment on your own behalf; or
ii. You are making Batch Payment on behalf of your related entities to discharge the entities’ debts, or debts of the said entities to one or more Billers.
b. You are allowed to do Batch Payment by debiting your CASA or Cards accounts held with us, as the case maybe.
c. You warrant to us that :
i. Such Batch Payment is made on your own account as a Payer, or as Payer in the ordinary course of its business makes multiple payments on your own behalf, or on behalf of your related entities to discharge the entities’ debts, or debts of the said entities to one or more Billers and not for the benefit of other person; and
ii. Such Batch Payment is made not for the purpose of carrying on business of making payments through the Scheme using Batch Payment method.
d. All other terms and conditions of this Agreement also apply to Batch Payment.
5. Payment Queries
a. We shall, in good faith, attempt to settle all payment queries or disputes with you arising in connection with the JomPAY service amicably by mutual agreement.
b. In the case of a dispute or conflict, you are entitled to seek recourse via the industry mediation and arbitration bodies such as the Financial Mediation Bureau.
c. You also have the right to lodge a complaint with the Scheme Operator if there are allegations of our non-compliance to the JomPAY Scheme Rules. However, the Scheme Operator’s review of such complaints shall be confined to:
i. Determination whether there has been non-compliance;
ii. Stipulating remedies for Participants to correct or address the non-compliance; and
iii. Determination if penalties are applicable for the non-compliance
d. All decisions rendered by the Scheme Operator in response to complaints from you shall be binding on us.
6. Suspension
a. We may suspend your right to use the Scheme at any time with written notice should you cease to maintain any Account(s) with the Bank which can be accessed via the Internet Banking Services or should your access to such Account(s) be restricted by the Bank or any other party for any reason or in the event your User ID and/or Password have been compromised in any manner whatsoever or if someone who is acting on your behalf is suspected of any fraudulent act/activity.
7. Biller Cannot Process Payment
a. If we are informed that payment by you cannot be processed by a Biller, we will :
i. Inform you about this; and
ii. Credit your account with the amount of the payment.
8. Account Records
a. You must check your account and immediately report to us as soon as you are aware of any errors or of any payment(s) that you did not authorise or you think were made by someone else without your permission.

 

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