PROGRESIF PAY
Frequently Asked Questions
Progresif PAY is a mobile wallet application offered by Progresif and powered by BIBD that enables customers to manage, make payments, transfers along with online shopping. The app features a co-branded prepaid Virtual Mastercard (‘VMC’), which uses funds already stored within the Progresif PAY itself. This co-branded prepaid Virtual Mastercard is a collaboration between Bank Islam Brunei Darussalam (BIBD) and Progresif Cellular (Progresif).
The owner of the Progresif PAY can only spend the equivalent amount of funds available in the Progresif PAY.
Funds used in the Progresif PAY are called electronic money, and these funds can be topped-up at any Progresif store, withdrawn from transferring from either one VMC to another VMC or through BIBD ATMs nationwide.
The Progresif PAY is a wholly virtual card. All card details can be viewed via Progresif PAY app.
Progresif PAY is open to all local mobile numbers. To register, customer must:
• Be 18 years old and above;
• Have a registered local mobile number from any operator;
• Have a Valid Brunei IC.
No. You do not need to be a BIBD customer to register for Progresif PAY.
Aside from registering to Progresif PAY, you are able to:-
• Monitor, view balance, purchase add-ons your Progresif Postpaid or Prepaid line and pay instantly;
• Make eCommerce / online purchases (3D Secure Acceptance);
• Send Cash (VMC to VMC);
• Make Bill Payments;
• Perform Top-Up Services (DES, Progresif & DST Pre-Paid Accounts);
• Self-Service Banking (make ATM Cardless Withdrawals & deposit money through Cash Deposit Machines);
• eVouchers (SnapFeed);
• eCredits;
• QuickPay Services (make payments using QR Codes);
• Tap and Pay Services (make payments through Near-field communication or NFC).
To apply for Progresif PAY, simply;
NO | NEW-TO-BANK / NTB (NO ACCOUNT WITH BIBD) | EXISTING-TO-BANK / ETB (EXISTING BIBD ACCOUNT HOLDER) |
---|---|---|
1 | Press ‘Register’ | Press ‘Register’ |
2 | Click ‘Continue’ | Click ‘Continue’ |
3 | Select ‘No’ | Select ‘Yes’ |
4 | Select ID Type – For now it will be Brunei IC only | Click on ‘Let’s Get It’ |
5 | Select your Brunei IC (Yellow / Purple / Green), Police ID or Army ID | Enter your BIBD Online or Mobile User ID and Internet PIN |
6 | Capture your IC – ‘Front’ | Click ‘Continue’ |
7 | Capture your IC – ‘Back’ | Review all the information that has been listed |
8 | Input the required information for all the mandatory fields | Click ‘Continue’ once done |
9 | Click ‘Continue’ | Input the name the Progresif PAY card, along with your email and your registered mobile number |
10 | Input the name the Progresif PAY card, along with your email and your registered mobile number | Tick to confirm that you agree and review to the Terms and Conditions |
11 | Tick to confirm that you agree and review to the Terms and Conditions | Click ‘Proceed’ |
12 | Click ‘Proceed’ | Go through the information once more and make sure all the information is correct |
13 | Go through the information once more and make sure all the information is correct | Click on ‘I Agree and Confirm’ |
14 | Click on ‘I Agree and Confirm’ | Enter the 6 digit One Time Password (OTP) to complete the registration. |
15 | Once application is accepted, you may locate the nearest branch to get your registration approved | You then able to activate by login using your existing User ID credentials |
A User ID is your login detail or username, which you will have to create during registration process. Your User ID can be only be alphabetical, numbers, with only underscore symbols up to 9 characters.
A Mobile Password is your Progresif PAY account password, which you will have to create during registration process. Your mobile password is a 2nd layer of authentication; the first being Biometrics authentication. Mobile Password has 8 characters, and must be alpha-numeric (alphabets & numbers only).
Biometrics is the use of Fingerprint scanning, Touch ID, Facial scanning or Face ID as an authentication and identification of the customer and their device.
Simply allow and enrol the use of Biometrics on your device to use this feature.
Please note that your mobile phone must be equipped with biometrics features to enable you to add your fingerprints on your own device. For devices without fingerprint scanning, you will need to enrol the facial scanning.
You can add cash in to your Progresif PAY through:-
• Reload (Under QuickPay) to Progresif PAY through Progresif Branches;
• Any BIBD Cash Deposit Machine;
• Receive cash from others through Progresif PAY or BIBD NEXGEN Mobile App.
You can make online purchases like any other card by using the card details;
• Entering in your 16 digit card number
• Enter the expiry date
• Enter the CVV number
These information can be found on your Progresif PAY Wallet; after you login, tap on the bottom right of the card to find it.
Depending on the merchant website, an One Time Password (OTP) will be sent to your mobile number for you to complete the purchase.
You can send cash using the ‘‘Send’’ cash feature;
• Click ‘‘Send’’
• Click ‘‘New Mobile Number’’
• Enter Mobile Number
• Click ‘‘VMC Type’’ and then ‘‘Continue’’
• Enter the Amount to be transfer
• Enter a Description (If required) and then ‘‘Proceed’’
• Verify your ‘‘Send’’ Details
• Click ‘‘Confirm & Pay’’ to complete the transaction
Yes, you can send cash from a Progresif PAY to a BIBD vCard and vice versa.
There are 2 ways you can Top Up Progresif Prepaid line.
NOTE: All transactions performed in Progresif PAY have a transaction Acknowledgement Number or Reference ID.
You have two options. You can either:
Directly pay your outstanding account balance in Full or make Partial payments from the Main Menu:-
You will see your Payee Name, Bill number and your account’s bill amount to pay. If you have more than one line under your account, they will all appear here.
Yes, you can. When making a payment, you can choose from a number payees already available to you at the ‘New Payee’ dropdown option.
In order to complete the payment, you will need to enter your bill number or reference number as well.
NO | PAYEE NAME |
---|---|
1 | AL-Falaah School |
2 | Armada Properties Sdn Bhd |
3 | ArmourShield |
4 | Armtrix Enterprise |
5 | Authoriti For Info-Communications Technology Industry |
6 | Baitul Baiti Quran (by Al-Huffaz Management) |
7 | BIBD AT-Tamwil |
8 | BSB Municipal Property Tax Payment (for BSB) |
9 | Care and Action for Strays |
10 | Chung Hwa Middle School |
11 | Dana Pengiran Muda Mahkota Al-Muhtadee Billah |
12 | Darussalam Enterprise |
13 | Darussalam Holdings Sdn Bhd - Haji & Umrah |
14 | Darussalam Holdings Sdn Bhd - Travel & Tours |
15 | DES School |
16 | DST COM SDN BHD |
17 | Empire Solution Sdn Bhd |
18 | Higher Education Division, MOE |
19 | IIT GENERAL TAKAFUL SDN BHD |
20 | Insurans Islam Taib Family Takaful Sdn Bhd |
21 | Jabatan Kerja Raya - AIR |
22 | Jabatan Perkhidmatan Elektrik |
23 | Jame'Asr Hasanil Bolkiah (Jabatan Masjid-Masjid, MORA) |
24 | Jerudong International School |
25 | KamiPrihatin/ WeCare |
26 | KBS Municipal Property Tax Payment (for KB & Seria) |
27 | Klinik Noor Rohaya (Account Name : Simvolous Consultancy & Medical Supplies Sdn Bhd) |
28 | Kristal Astro |
29 | Laksamana College |
30 | Mashhor Cleaning Service |
31 | Masjid Al-Ameerah Al-Hajjah Maryam, Kpg Jerudong |
32 | Masjid Hassanal Bolkiah, Pekan Tutong |
33 | Masjid Mohd Jamalul Alam |
34 | Masjid Omar Ali Saifuddien |
35 | Masjid RPN Kpg Pandan |
36 | Masjid Utama Mohd Salleh, Pekan Bangar |
37 | MOF - Royal Customs and Excise Department |
38 | Persatuan Sindrom Down |
39 | Pocket Vendor (3G Media Sdn Bhd) |
40 | Progresif |
41 | Progresif Cellular Sdn Bhd |
42 | Rentokil Initial Sdn Bhd |
43 | Smarter Brunei |
44 | Society for Community Outreach & Training |
45 | Sparkly Domestic Divas |
46 | Stella's School |
47 | Tabung Amanah Pekerja |
48 | Tabung Anak-Anak Yatim |
49 | Tabung Badan Kebajikan Kebangsaan |
50 | Tabung Dana Pembinaan Masjid |
51 | Tabung Orang-Orang Cacat |
52 | Tabung Universiti Brunei Darussalam |
53 | Takaful Brunei - Multistorey Car Park (TBA-Building Fund) |
54 | Takaful Brunei Am - Motor Takaful |
55 | Takaful Brunei Am - Non Motor Takaful |
56 | Takaful Brunei Keluarga |
57 | Telbru Sdn Bhd |
58 | TSY MOF SUB ACCOUNT FOR REVENUE |
59 | TTG Municipal Property Tax Payment (for Tutong) |
60 | UBD Endowment Fund |
61 | UNISSA - Category 1 : Fixed/ Seminar |
62 | UNISSA - Category 2 : Rental/ Revenue/ Others |
63 | Yayasan Carpark |
64 | Yayasan Property Rental |
65 | Yayasan School Fees |
To purchase Add-ons;
• Login
• At Main Menu, Choose ‘Purchase Add-ons’
• Select the list of available Add-ons
• Choose ‘Confirm’
• A confirmation message will be displayed.
You can simply:
• Login
• In the Main Menu, choose ‘Purchase Add-ons’
• You can view them under ‘My Add-ons’
You can simply:
• Login
• At Main Menu, Choose ‘ View Balances
• You will see you Prepaid account balance.
Cardless Withdrawal is the feature to withdraw from any BIBD ATM by using your Progresif PAY app to request a PIN.
This request generates a temporary ‘6’ digit PIN, and can be requested anytime.
To use ‘Cardless Withdrawal’, simply;
NOTE: You will be charged respective fees per transaction.
Each Progresif PAY PIN is only vaild for ten (10) minutes. Should you wish to withdraw any cash beyond the one (1) time limit, you can always go back to the Progresif PAY app and request for another Progresif PAY PIN.
To view your transaction history, simply:
• Click on the Progresif PAY ‘Wallet’
• Click on your Progresif PAY card
You will see a list of all your transactions, up to 3 months .
You can purchase eCredits by simply:
• Logging in
• Go to ‘Wallet’
• Select ‘eCredits’
• Choose the eCredit for purchase
• Confirm your puchase
• Utilise your eCredit Code Number
To view the e-Credits purchase, click on ‘VIEW MY E-CREDITS’. Otherwise, click ‘DONE’ to go back to account summary.
You can purchase eVouchers by simply:
• Logging in
• Go to ‘Wallet’
• Select ‘eVouchers’
• Choose the category or voucher
• Enter SnapFeed email address
• Confirm your puchase
You will need to launch the SnapFeed app and tap on the ‘Vouchers’ tab, where you will see the voucher you purchased.
Simply tap on the voucher and inform the cashier of the SnapFeed merchant and scan the QR code.
You can purchase using QuickPay with any BIBD Merchant that accepts QuickPay by:
After scanning the QR Code, it will prompt to confirmation page. Ensure again that the amount is correct before clicking on ‘CONFIRM & PAY’. In this screen, it shows:
After ensuring that everything is correct, you click on ‘CONFIRM & PAY’ to proceed. You will then see an Acknowledgment Page that will show you all the details of your transaction.
Tap and Pay refers to NFC (Near-field communication)- a form of payment where users can use their virtual card on their mobile devices to pay at any Mastercard of Visa terminal, locally or abroad without their debit cards.
To use Tap and Pay, please ensure that your mobile device is NFC-enabled. Currently, Tap and Payis only available on Android devices.
After the card has already been provision, ‘Available transaction: 5’ in a green bar will appear and that indicates a transaction can already be made.
You can check the transaction history by:
• Clicking on the card.
• It will prompt the Transaction History screen.
Unprovisioning your Progresif Vcard will untag your card from the device. To do this:
• Click on ‘Available Transactions: 5’
• A message will prompt stating “This card will not be able to use for NFC payments.”
• A screen will show “COMPLETED DETOKEN”. Click ‘Done’ to proceed
• Once unprovisioned, ‘Not Provisioned’ bar will appear under your card.
Yes, please refer below:-
NO | TRANSACTION TYPE | FEES PER TRANSACTION |
---|---|---|
1 | Person to Person Payments / Send Cash | $0.05 |
2 | ATM Cardless Withdrawal | $0.50 |
3 | Bill Payments other than Progresif Bills on the Main Menu (Wallet) | $0.50 |
Yes you can use your current BIBD NEXGEN Online / BIBD NEXGEN Mobile credentials during the registration process.
• Click ‘Settings’
• Under Login Details, click ‘Change Mobile No.’
• Input your Old Mobile Number (the number currently tied to your Progresif PAY account that you want to change) and your New Mobile Number (the new number you want to change to)
• You will receive an OTP (One time Password) to the New Mobile Number
• Key in your OTP
• Log out and log back in. Your account will be tied to your new mobile number while maintaining your account and wallet
If you have issues installing, please check to ensure that:
• The phone you are using is not rooted or is running on any illegal third party software
• The phone is running on the latest operating system of both iOS and Android
If the problem persists, please call the Progresif PAY Care at 176 and provide the following information:
• The brand and model of the device used
• The iOS or Android version of the device
• The error encountered
NOTE: The above steps is also to assist troubleshooting functional or transactional issues that you may encounter.
Yes, you can install and login the same User ID on multiple devices.
If the device has biometric features, you need to first add your fingerprint on the device. Then on the app:-
• Click ‘Login’
• Enroll to the Fingerprint or Facial recognition (Biometric setup)
• Enter Mobile Password
• Then you are logging in to the app
Note: For ANOTHER USER who wish to use the app on the same device, you need to disable your biometric first. To do that, please follow the following steps:-
• Click ‘Login’
• Verify your fingerprint or facial recognition
• Enter Mobile Password
• When you are loggedin to the app, click the ‘…’ (Settings) on top right side of the screen
• Click ‘Setting’
• Click ‘Disable Biometric’
• Click ‘Yes, Proceed’
• You will then be logged out from the app
Simply call our Progresif PAY Care at 176 and our dedicated agents will assist you accordingly.
Yes, you will be able to log in to both BIBD NEXGEN Mobile and Progresif PAY on the same device but not at the same time. You will also be able to use your fingerprint biometric for both devices.
You can make appropriate changes by going to any Progresif store or call Progresif PAY Care at 176.
Yes,it will as the same User ID is linked to both applications. If it is due to a wrongly inputted Mobile Password, you may click on ‘Forget Mobile Password’ and follow the instructions. If it is due to unforeseen circumstances, you may call the Progresif PAY Care at 176.
Currently, there is no Annual Fee imposed.
The app is available for download for free and there are no subcription fees.
Progresif PAY is valid for 1 year and willautomatically renew. Upon renewal, any remaining balance in your card will automatically be transferred into your new Progresif PAY.
If you wish to terminate your Progresif PAY, please transfer or withdraw your remaining balance and contact the Progresif PAY Care at 176 to terminate your Progresif PAY card.
Yes, Progresif PAY will work outside Brunei as long as you have access to the internet. However, there will be some transactional functionalities which are currently only applicable within Brunei such as QuickPay payments or Self-Service Banking services.
To change your phone number that is tied to your Progresif PAY, simply login to the app, go to the Settings and click the “Change Mobile No.”.
Yes, you can request to block via the Progresif PAY Care at 176 or manually in the app:-
• Login
• Go to ‘Wallet’
• Click on the ‘Progresif PAY card’
• Click card ‘Settings’ on top right of the screen
• Click ‘Block Card’
• Press ‘Yes, proceed’
Once you have blocked your card, you cannot do any transactions.
To Unblock, you have to call the Progresif PAY Care at 176.
Yes, You must immediately report to the Progresif PAY Care at 176 if you believe your card has been compromised in any way and request for a replacement card.
Yes the number to call is +6738330176 or you may chat with us through the Progresif PAY application by clicking on:
• Contact Bank
• Click on ‘Live Chat’
• And you may proceed to ask what you need to know or gain the assistance you require
Please contact our Progresif PAY Care at 176.
No, currently registration can only be done with a valid Brunei IC of any color.
Yes, you can register Progresif PAY with a a mobile number from any local mobile operator.
You will need to reset your Mobile Password using ‘Forgot Mobile Password’ feature in either Progresif PAY app or BIBD NEXGEN Mobile app.
You can request for one by clicking the ‘Resend OTP’ feature found on the bottom of the screen at the OTP page.
If you still have not receive OTP, please call our Progresif PAY Care at 176.
Please call our Progresif PAY Care at 176 and we will assist you accordingly.
You can do cardless withdrawal at any BIBD ATM.
There are neither any deactivation or dormant charges for any period of inactivity with Progresif PAY. However, you need to have an active mobile line to keep using Progresif PAY.
There is no minimum deposit required for Progresif PAY. However, customers must have sufficient balance if they wish to use certain Progresif PAY Services.
The Progresif PAY card can make online purchases where there is Mastercard acceptance.
However, like any other card services provided by BIBD, some transactions are prohibited, in accordance to Shariah principles in Progresif PAY card Terms and Conditions.
You may reach out to us on social media, call us at 177, chat with us via webchat on our website or visit your nearest Progresif store.
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