Payroll Services

Payroll module allows you to more efficiently manage your company’s payroll function by providing you the means to securely transmit a payroll credit instructions file from your accounting system directly to PBCOM Business Banking over the Internet through the Payroll Module. Once uploaded on our server, payroll credit instructions are subject to the PBCOM Business Banking approval workflow, ensuring that your company authorizers approve all transactions before execution. This also allows authorizers to access the credit instructions over the Internet from any web-enabled PC, giving them unprecedented transacting mobility. After PBCOM Business Banking credits the deposit accounts of your payroll beneficiaries in any PBCOM branch, withdrawals can be conveniently made from any BancNet or MegaLink member bank ATMs.


  • Secure, browser-based access from any Internet-ready PC using digital certificates and 256-bit encryption
  • Sophisticated authorization workflow design mirrors any instruction set your directors put forth on your Secretary’s Certificate or Board Resolution.
  • Allows centralized control over the preparation, authorization, and crediting of payroll beneficiary accounts, which can be opened and maintained in any PBCOM branch for your employees’ convenience but still covered by the PBCOM Business Banking Payroll service
  • Online, real-time monitoring of payroll batch execution status
  • Complete transaction and audit logs

How it works

  • Using any browser, access PBCOM Business Banking web site through the internet.
  • Log on to PBCOM Business Banking and select Disbursement from the extended menu then select Payroll.
  • Upload the payroll file extracted from your company’s accounting system.
  • Select processing schedule either immediate, post-dated or recurring payroll crediting. 
  • Using any Internet-ready PC, your company’s verifiers and authorizers connect to PBCOM Business Banking via the internet to review and approve the uploaded payroll instructions file.
  • Once properly verified and authorized, PBCOM Business Banking credits your company’s payroll beneficiary accounts according to the payroll instructions received.
  • Monitor the status of payroll processing through PBCOM Business Banking to confirm accounts have been credited.
  • Beneficiaries can make withdrawals from any of PBCOM, BancNet or MegaLink ATMs even during non-office hours.


  • Efficiency gains and cost reductions in the processing of your company payroll from automation
  • Limitlessly extend the boundaries of your office by giving company officials involved in payroll processing unprecedented transacting mobility
  • Get immediate feedback on the status of payroll credits from any Internet-ready workstation.
  • Your employees can maintain their payroll accounts at any PBCOM branch more conveniently located for them.
  • Cash withdrawal convenience from any ATM in the Philippines or any MasterCard-enabled ATMs worldwide.


PBCOM Bale Facility is a combined card product and salary advance facility to be offered by the Branch with a Payroll arrangement. 

The Bale is a facility where PBCOM provides their payroll customers to have access to financial option to cover small and often unexpected spending by providing a small amount, short term loan. 

This facility allows payroll customers to advance on their salary in the most convenience way possible by simply going to any PBCOM ATM and withdrawing the full or partial approved loanable amount.


How can I enroll?

  1. via PBCOM ATM
  2. via SMS

How can I avail the loan?  

  1. Use your PBCOM Debit card at any ATM to avail.
  2. How much is the interest rate?
    • There is no interest rate. However, there is a fixed fee for every availment
      • PHP 25 every PHP 500 for semi-monthly payroll
      • PHP 50 ever PHP 500 for monthly payroll


  1. One-time enrollment. You don’t need to sign a new agreement or enroll every time you want to avail the Facility
  2. Unlimited re-availment. You don’t need to call, text, visit the branch or enroll to re-avail. The approved loanable amount is valid until termination of employment or cancellation of the facility.
  3. Available anytime, anywhere. You can withdraw at any ATM using your PBCOM Debit card
  4. Payment via Salary Deduction. Your loan availment will be paid automatically upon payroll credit.


  • PBCOM payroll customers
  • Full-time regular employee
  • Receiving a fixed basic monthly salary with net monthly pay of at least PHP5,000


  1. Availment Fee - The Availment Fee for each salary advance of P500.00 is Twenty Five Pesos (P25.00), for employees under a semi-monthly payroll or weekly payroll, and Fifty Pesos (P50.00), for employees under a monthly payroll
  2. Collection Fee - If the employee-borrower fails to pay any salary advance when due, the employee-borrower shall pay the BANK a collection charge of P25.00 for every P500, for employees under a semi-monthly payroll and weekly payroll, and P50.00 for every P500, for employees under a monthly payroll, every collection date until full payment of the unpaid salary advance
  • Please see attached file for the FAQs