1

Frequently Asked
Question (FAQ)

GENERAL
Q: What is iBiz Muamalat?
A: Is a corporate Internet banking service designed as a one-stop-channel to facilitate corporate
customers to view monetary portfolio and perform transaction at own desk.

Q: How to get access into iBiz Muamalat?

A: Simply go to our website at https://ibiz.muamalat.com.my and log in using your user ID and
password.

Q: Who is eligible to subscribe iBiz Muamalat?

A: Bank Muamalat’s account holder from Partnerships, Governments, Statutory Boards, Sendirian
Berhads, Professionals, Clubs, Religious Bodies and Society categories. For Sole Proprietor type
subscription is however through our retail internet banking namely i-muamalat.

Q: What are the features do iBiz Muamalat offer?

A: iBiz Muamalat offer a comprehensive cash management services which are:

Account Inquiry: Payment: Others:

 View Account Summary  Pay to BMMB Account
 Transaction History  Pay to 3rd Party BMMB Account
 e-Statement  Pay to IBG Account
 RENTAS
Cheque Management  Foreign Telegraphic Transfer
 View Cheque Status  JomPAY
 Cheque Book Request  Bulk Payment
 Payroll
 Statutory Board to EPF & SOCSO
 Collection via FPX B2B
 Collection via JomPAY biller
 Auto Reconciliation thru MT940
and other formats
 Payment Advice
 Payment Acknowledgement
 Standing Instruction

Q: When is the service availability?

A: Currently, iBiz Muamalat service is available from 7.30 am until 11.00 pm, inclusive public
holiday.

Q: Can I access to iBiz Muamalat when I'm oversea?

A: Yes, as long as your PC/ laptop are connected to internet.

Q: Any specific hardware and software requirement that I need before log into iBiz Muamalat?
A: To ensure iBiz Muamalat performing at its best, we recommend the following:
 Personal Computer (PC)
 Fast-speed internet connectivity
 Operating System : Windows XP and above
 Browser : Internet Explorer 7 and above
 Acrobat Reader 5.0 and above
 Latest Java Flash Application (for 2FA USB Token purpose, Authorizer only)
 USB Port (for 2FA USB Token purpose, Authorizer only)

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
2
Frequently Asked
Question (FAQ)

Q: What are the standard charges to be imposed?

A: Standard charges as tabulated below:
Charges
Services
Non SME SME
Enquiry Mode (Account Inquiry only) 40.00 waived
Monthly Charges
Full Mode (Account Inquiry + Transaction) 20.00 waived
Pay to Own Account & BMMB 3rd Party free
Interbank – GIRO (Per transaction) 0.10
RENTAS (Per transaction) 4.00 2.00
Foreign Outward Transfer (Per transaction) 35.00
Statutory Board (per transaction) free
e-Statement free
SMS Notification (Per transaction) 0.20
Token – per Authorizer free
Token renewal (every 2 years) – per Authorizer 100.00 waived
Token Replacement 160.00 waived
Training free

SUBSCRIPTION
Q: How do I sign up for iBiz Muamalat?
A: Steps to sign up for iBiz Muamalat:
i. Contact or visit your home branch (domicile branch) for application form or straightway
download from http://www.muamalat.com.my/fees-and-charges/e-payment-
businesses.html.
ii. Complete filling the application form and required / supporting document and submit to your
home branch
iii. You will be contacted by home branch to collect User ID and Password (and USB 2FA Token for
Authorizer), approximately within next 7-14 days.

Q: What documents should I submit to get access iBiz Muamalat?

A: Please ensure these forms and documents in presence during submission:

a) Inquiry Mode
i. iBiz Application Form
ii. Terms & Conditions

b) Full Mode
i. iBiz Application Form
ii. Terms & Conditions
 Must be initialized on every page by authorized signatory (ies).
iii. Pos Digicert Application Form (for Full Mode - Authorizer only)
iv. Letter of Referral - BMMB SUB CA (with list of Authorizer information only)
 Only for Authorizer
 Authorizer’s name as per NRIC.

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
3
Frequently Asked
Question (FAQ)

 Using company letterhead.

 Signatory with accordance to iBiz Application Form
v. Board Resolution
 Encouraged to use bank template as provided. Subscriber is allowed to submit own
board resolution with condition the information complied and sufficient.
 To mention Authorizer name into board resolution.
vi. NRIC Copy
 Clearly seen and both sided copied
 Biometric printout copy is not acceptable.
vii. Indemnity Letter
 Document is ensured to be signed / stamped accordingly. The signature(s) must be from
same party (ies), similar to other documents.

Q: What should I receive for iBiz Muamalat first time login?

A: You will received:
a) For Viewer, Maker & Checker
i. A Pin Mailer containing User ID and a temporary Password to access iBiz Muamalat

b) For Authorizer
i. A Pin Mailer containing User ID and a temporary Password to access iBiz Muamalat
ii. PosDigicert Mail, containing token password
iii. ST3 USB Token

Q: How do I upgrade from Inquiry to Full Mode?

A: Refer to you home branch or request through iBiz@muamalat.com.my as additional form and
document are required to be fill up.

Q: What should I do in order to change user and edit user (add new user / terminate existing /
upgrade user’s role / edit user’s profile)?
A: You may send an official letter, or talk to your home branch or directly email to
iBiz@muamalat.com.my for assistance

FEATURES
Q: What are the roles available to access iBiz Muamalat
A: Types of role available for iBiz Muamalat:

User Role Description

Perform banking inquiries, transaction history,
Viewer download e-statement and view the processed
transactions.
Maker Initiate or upload monetary transaction.
Review or reject monetary transaction initiated by
Checker (Optional)
Maker / Master.
Approve or reject monetary transaction submitted by
Authorizer
Maker / Master.

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
4
Frequently Asked
Question (FAQ)

Perform monetary transaction submission and approve

/ reject the monetary transaction submitted by
Master
Corporate Maker/Master. This role is only applicable
for ‘Partnership’ category Corporate User.
Corporate Back Office Perform creation and maintenance of the Company’s
Administrator internal user access
Corporate Back Office Approve activities and entries performed by the
Authorizer Corporate Back Office Administrator.

Q: What are the features and services in iBiz Muamalat?

A: Features and services available in iBiz Muamalat are:
i. Account Management
Self-enquire your cash positions and assets at your convenience.
Functions Description
View account balances, cheque floating, cashline
Account Overview facility amount and earmarked amount.

Historical transaction captured in the company’s

Transaction History account and viewable for current month plus last 5
months.

Download and view current and last 5 months

e-Statement company statement through PDF format

Automate your account settlement via our variety of

Auto Reconciliation auto reconciliation format with variety of frequencies

ii. Cheque Management

Enquire your cheque issuance status, perform cheque book request and stop cheque
payment.

iii. Fund Transfer

Control you expenses and payment through our Fund Transfer services:

 Own Account Transfer  RENTAS

 3rd Party Account Transfer  Foreign Telegraphic Transfer
 Interbank GIRO (IBG)  Bill Payment via JomPAY

iv. Standing Instruction

Set and scheduled your monetary activities at your own control and convenience.

v. Bulk Transfer
Allows you to initiate Intrabank (pay to Bank Muamalat), IBG, Rentas and payroll through
one bulk submission instead single transaction via uploading txt or xls file.

vi. Statutory Board to EPF and SOCSO

Streamline your company payroll management throughout our EPF and SOCSO statutory
board payment services.

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
5
Frequently Asked
Question (FAQ)

vii. Collection Receivable

Be as collecting biller throughout FPX B2B and JomPAY Biller Bank services.

Q: What is the cut-off for payment processing?

A: Cut off period is depending by type of services:
Services Type Start Time End Time
Intrabank 7:30am 11:00pm
Interbank GIRO (IBG) 7:30am 11:00pm
RENTAS 7.30am 11:00pm
JomPay 7:30am 11:00pm
Foreign Telegraphic Transfer 7:30am 3.30pm
Statutory Payments 7:30am 11:00pm
Bulk Payment & Payroll 7:30am 11:00pm

Q: What is Bulk Payment?

A: Bulk Transfer is a multiple transaction through single submission via uploading special text (txt)
and excel (xls) file. Bulk transfer per submission can be combined from intrabank, IBG and Rentas
categories. For txt submission, a specific format to be adhered before uploading while for xls, a
special excel template will be given to you.

Q: Any specific cut off period for Bulk Payment?

A: Yes, as tabulated below:
iBiz
Windows (completely Credit to Muamalat Credit to IBG Account Credit to RENTAS
(W) approved (intrabank) (estimation) (estimation)
before)
W1 6.30 am 7.15 am 2.00 pm 9.00 am
W2 9.30 am 10.15 am 5.00 pm 11.00 am
W3 11.15 am 12.45 pm 8.20 pm 2.00 pm
W4 2.15 pm 3.00 pm 11.00 pm 3.30 pm
W5 6.30 pm 7.15 pm NWD (11.00 am) NWD (9.00 am)
W6 8.30 pm 9.15 pm NWD (11.00 am) NWD (9.00 am)
Important note:
 NWD = Next Wilayah Persekutuan Working Day
 Please ensure that there are sufficient funds in your account to cover the value of payments.
 Please make sure all payments are fully authorised before submission by the specified cut-off
time to be deemed to have been received for same day processing.

Q: Am I able to perform future dated transactions?

A: Yes, you may submit and approve a future dated transaction up to 30 days in advance. All
approved transactions will be processed on the payment date specified.

Q: How do I know the payment status?

A: There is a transaction status module to view the status of your payment. Any successful/ rejected
payment will be displayed in this module. The status available in the system is as per below:

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
6
Frequently Asked
Question (FAQ)

Status Description
Sent to bank Transaction is successfully approved and pending by the bank for execution.
Processing Transaction is successfully processed and sent to beneficiary bank (IBG Transaction
only).
Successful Transaction is successfully processed by the bank.
Failed Transaction is rejected during processing.
Rejected Transaction is rejected by Checker/ Authorizer user before being processed, or
rejected due to certain reason i.e. Insufficient Fund
Unavailable Transaction encountered error during processing. Transaction is not successful.
Cancelled Transaction has been cancelled before it is being processed by the bank.

Q: Do I get any receipts from payments?

A: You will be able to print transaction Acknowledgment in PDF format as a reference of a payment.

Q: Do I get an acknowledgement from all the payments?

A: Yes, a unique transaction reference number will be generated for each executed payment. An
acknowledgment page will be available for printing.

ACCESS CONTROL (LOGIN AND PASSWORD)

Q: I have received pin mailer from Bank Muamalat branch. What is the detail contains inside the pin
mailer?
A: Information inside the pin mailer are:
Company ID a business customers' identification code assigned by the Bank
an ID assigned by Bank to access iBiz Muamalat and could not be
User ID
changed.
a 6 digits number needs to log on to iBiz Muamalat for the first time
Password before change into your own password. User is advised to do first time
login immediately after received from Bank.

Q: My access to iBiz Muamalat has been blocked when I’m doing first time login. Why is this
happen?
A: This was due to user not doing first time login immediately once received new temporary
password from bank. Please email to iBiz@muamalat.com.my or call us for assistance.

Q: Does my password ever expire?

A: Password expires every 90 days in line with standard security measurement. iBiz Muamalat will
notify you 7 days in advance to change your password.

Q: I have forgot my user ID and / or password. What should I do?

A: Kindly call our support team or email to iBiz@muamalat.com.my. For new password request, we
will send a pin mailer containing new generated password.

Q: What should I do if my password has blocked?

A: Kindly call our support team or email to iBiz@muamalat.com.my to unblock you password

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
7
Frequently Asked
Question (FAQ)

Q: What are the rules to set for a new password?

A: The password should:
 be at least 8 characters and with maximum 15 characters without spacing
 contain alpha-numeric and character, for instance P@ssword123.
 no consecutive usage for the last used 6 passwords
 not containing or similarity with User ID, for example if User ID is Khalif, the password cannot
be Khalif1999.

Q: A message ‘Multiple Session error’ appear when I try to login. What should I do?
A: ‘Multiple Session’ message error normally prompts due to inappropriate logoff occured by User.
If this happen:
 Close the entire browser
 Wait for 7 - 10 minutes
 Try to re-login
If the error message persists, contact us for assistance.

2FA USB TOKEN

Q: What is 2FA PKI USB Token used for?
A: 2FA PKI USB Token is a cryptographic identity verification which is a medium to perform digital
authorization through iBiz Muamalat. This small and easy to carry token provides a host of
indispensable protective measures for digital communication and transaction through
Public Key Infrastructure (PKI) data encryption technology. The 2FA PKI USB
Token contains a smart chip in a USB token form.

Q: What is the minimum system requirement for 2FA USB Token?

A: You need a:
 Window OS-supported PC
 fast speed internet connectivity
 Internet Explorer browser
 ST3 USB Token device
 ST3 USB Token installer
 Java platform

Q: How to install the 2FA USB Token?

A: You may refer to ‘iBiz Muamalat User Guide – Token Management via download section for
detail.

Q: I have forgotten my token password. What should I do?

A: Kindly refer to ‘1CRS User Manual: Token Unblock’ for the steps. For fast assistance, you may
contact PosDigicert Customer Support or contact us for assistance

Q: My 2FA USB token has blocked. Any step to make it unblocked?

A: Kindly refer to ‘1CRS User Manual: Token Unblock’ for the steps. For fast assistance, you may
contact PosDigicert Customer Support or contact us for assistance

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
8
Frequently Asked
Question (FAQ)

Q: I have made understand that 2FA USB Token expires for every two (2) years. Any alert to notify
me prior to my token expiration?
A: You will received email alert 3 times (2 months, 1 month and 1 week) prior to your token expired.

Q: What should I do to renew my 2FA USB Token?

A: Kindly prepare and submitted these required items:
 Fill up ‘PosDigicert 2FA Digicert’ Form
 Copied of both sided of NRIC
 A payment of RM100.00, via three (3) methods:
a) Online Transfer - to attach proof of payment herein i.e. print receipt
Account Name : Digicert Sdn Bhd
Account Number : 001-460443-021
Bank : HSBC Amanah Malaysia Bhd

b) Cheque, Bank Draft, Money Order & Postal Order - to attach proof of payment
together i.e. transaction slip
 Payable to Digicert Sdn Bhd
 To enter Applicant Name, Contact No. and Company Name at back of the cheque

c) Cash and Credit Card

 For walk-in customer
 Submit to:
Pos Digicert Sdn Bhd (457608-K)
8-3A-02, Star Central,
Lingkaran Cyberpoint Timur,
63000 Cyberjaya,
Selangor Darul Ehsan
(Attention: Application Team)

Q: What general 2FA USB Token security handling practices should I take into account?
A: You should:
 Keep your authentication token in a secure place.
 PIN code must remain confidential.
 Select a unique PIN so it's hard for anyone to guess
 Regularly change your PIN
 Request for token revocation should the authorizer is no longer with the organization or
downgraded.

Q: I cannot approve a payment as a message box ‘Digital signature invalid. Please check your
token’. What should I do?
A: You have to ensure:
i. ST3 Token has successfully installed
ii. ST3 USB Token plugged into PC’s USB port
iii. Disable pop-up blocker at Internet Explorer
iv. Java completely installed and verified via Internet Explorer browser
v. Managed Java Exception Site List
vi. Set Internet Zone Setting as ‘Medium Low’ or ‘Low’

Kindly refer ‘iBiz Muamalat User Guide – Token Management’ for detail

iBiz Muamalat Business At Your Fingertips…

https://ibiz.muamalat.com.my
9
Frequently Asked
Question (FAQ)

Q: I cannot approve a payment as a message box ‘Failed to validate certificate. The application will
not be executed’. What should I do?
A: You are required to clear Java cache. Kindly follow these steps:
i. At your Window OS, go to ‘Control Panel’
ii. Under Control Panel, click on Java or Java (32-bit). In case you didn’t see this, at the top right
pane, switch <View by : Category> to <View by : Small icons>
iii. Upon clicked on Java, click on ‘General’ tab and click on ‘Settings’ which is under Temporary
Internet Files submenu.
iv. At Temporary Files Settings > Disk Space, click on ‘Delete Files’
v. At Delete Files and Applications, tick all 3 boxes (Trace and Log Files, Cached Applications
and Applets and Installed Applications and Applets), and click ‘OK’.

SECURITY MEASUREMENT
Q: What are the security measures in iBiz Muamalat?
A: The below are the security features in Connect BIZ
 Strong encryption enabled by SSL certificate to secure online transactions between client
Whatbrowser
are theandsecurity
Internet measures in Connect BIZ?
Banking server.

The below are the security features store
Transaction activities are captured and in audit logs.
in Connect BIZ
 Secured login with user ID and encrypted password.
 Security token via two-factor- authentication
Up to 256-bit encryption,
(2FA) enabled by
required for transaction SSL
approval
certificate to secure
online
Q: transactions
Any security tips for mybetween
reference? client browser and Internet Banking server.
A: A standard internet banking security tips as below:
 Disable auto-complete function on your browser.
 Never reveal your password to anyone
 Never use the same password for other web services
 Change your password regularly
is required for transaction approval
 Change your password immediately if you suspect suspicious activity
 Before entering your User ID and Password, check the website you are visiting belongs to
WhatiBizareMuamalat
the security measures
by verifying that the in
URLConnect BIZ?
(https://ibiz .muamalat.com.my) displayed in the
The below are the security features in Connect BIZ
Internet browser is correct
 Ensure iBiz Muamalat URL is -preceded by "https"encryption,
Up to 256-bit and there should be a security
enabled icon that
by SSL
looks like a lock or key on the Internet browser
certificate
 Use theto secure
latest Internet Explorer browser for updated security features
online
 Avoid storing User between
transactions ID, Passwordclient
and USBbrowser
Token Pinand Internet
in your Banking
browser’s cache server.
 Avoid using shared, public computers and public Wi-Fi to access iBiz Muamalat
 Ensure your anti-virus software is updated regularly against the latest Trojan viruses

saction approval

What are the security measures in Connect BIZ? The below are the security features in Connect
BIZ  Strong encryption TLS1.2 - Up to 256-bit encryption, enabled by SSL certificate to secure
online transactions between client browser and Internet Banking server.  Featured with
Extended Validation (EV) SSL Certificate.  Transaction activities are captured and store in audit
logs.  Secured login with user ID and encrypted password.  Security token is required for
transaction approval
What are the security measures in Connect BIZ? The below are the security features in Connect
iBiz Muamalat Business At Your Fingertips…
BIZ  Strong encryption TLS1.2 - Up to 256-bit encryption, enabled by SSL certificate to secure
https://ibiz.muamalat.com.my
online transactions between client browser and Internet Banking server.  Featured with
Extended Validation (EV) SSL Certificate.  Transaction activities are captured and store in audit
logs.  Secured login with user ID and encrypted password.  Security token is required for