LANDBANK

Cash
Management
Solutions
“Institution”

September 19, 2019

 Cash Management Solutions
weAccess Facility
LANDBANK VISA Debit Card (LVDC) Payroll
Electronic Salary Loan (eSL)
Point-of-Sale (POS) Debit/Credit Facility
Point-of-Sale (POS) Cash-Out Facility
Link.BizPortal Facility
 LANDBANK’s banking facility
developed for our institutional clients
which allows them to do selected
banking transactions ONLINE.
TYPES OF ENROLMENT
Non-Monetary (Viewing)
• Balance Inquiry
• Account Transaction History (Bank Statement
Snapshot)

Monetary (with Financial Transaction)

• Fund Transfer
• Account Sweeping (Inward or Outward)
• Bills Payment
• Institutional Payroll Services
 Balance Inquiry

Enables clients to view the

balance of each enrolled peso
deposit account.
Account Transaction History

Enables clients to view their

current and previous transactions
for the past 6 months based on a
selected transaction type, amount
and date range.
Account Transaction History
Allows clients to print details of
transactions and download
statement of accounts in the
following formats:
 Microsoft Excel Sheet (XLS)
 Spreadsheet (CSV)
 MS Money/Quicken (QIF)
 XML Data (XML)
 Swift MT940
 Fund Transfer

Allows clients to make a

real-time or a future-dated
fund transfer from one
enrolled deposit account to
another enrolled own
account/s immediately or on
a future date.
Account Sweeping

Allows clients to transfer

balances from a mother
account to various enrolled
satellite accounts or vice-
versa.
 Bills Payment

Allows clients to pay bills to enrolled

merchants such as:
 HDMF Pag-IBIG
 Manila Water
 Maynilad
 Sky Cable
 Globe/Innove
 weAccess Log-in
Log-on to https://www.lbpweaccess.com

• Enter your
USERNAME
and
PASSWORD

• Click
“Submit”
button.
weAccess Log-in
• You will receive an email
notification with a Response
Code corresponding to you
Challenge Code. This is called
S1dd47 “One-Time PIN (OTP)”.

• Enter the Response Code

OR
Copy and Paste it on the
weAccess Log-in page.
 LANDBANK VISA
Debit Card Payroll

Release of employees’ payroll by either

debiting the clients’ account or through
the issuance of check payable to
LANDBANK for the total payroll amount
and crediting the individual ATM accounts
of their employees on payroll date.
 LANDBANK Visa Debit Card

 Enhanced version of ATM Card that enables

international access to 1.9 million ATMs
worldwide, and expands merchant network
through our partnership with VISA.
 It allows the customer to shop online, pay bills,
and make mobile and over-the-counter
purchases based on funds available in their
bank account (a.k.a. PAY NOW)
 LANDBANK Visa Debit Card
For Individual
 It can be used as a deposit or savings account
For Private Institutions
 It can be used as payroll card, wherein the following
funds can be credited:
- Regular payroll - Bonuses
- Loans - Travel Allowance for Local
- Allowances International and Travel
- commissions
 It can be used as debit card for online or over-the-
counter payments for:
- Plane ticket - Meals
- Hotel/lodging - Purchases/Incidental Expenses
 LANDBANK Visa Debit Card

PAY NOW can be through:

 Signature based – cardholder will sign a

sales receipt generated by POS terminal to
validate the transaction.
 PIN based – cardholder will key in his/her
PIN at POS terminal for validation.
 EMV Enabled
LANDBANK Visa Debit Card
(Chip-Based)
LANDBANK Visa Debit Card
Elements
 LANDBANK Visa Debit Card
Features
PAYROLL ACOUNT REGULAR
SAVINGS
ACCOUNT
Opening Amount P100 P500
Maintaining Average Daily P100 P500
Balance (ADB)
Required Maintaining ADB to P2,000 P2,000
Earn Interest
Dormancy Fee P30/month P30/month
Service Charge for Account
falling below the required P200/month P200/month
ADB

The payroll facility can be availed by any client

with an ADB equivalent to at least P6,000.00
per payroll accountee.
LANDBANK Visa Debit Card Payroll Tie-Up
Parameters

LANDBANK VISA Debit

Parameters
/ ATM Card
ADB/Accountee P6,000.00
Minimum Number of 20
Cardholders
ADB Requirement P120,000.00
 iAccess Functionalities

• Balance Inquiry
• Account Transaction History
• Bills Payment
• Fund Transfer
• Check Status Inquiry
• Returned Check Inquiry
• Checkbook Requisition
• Report of Lost/Stolen Card
• Housing Loan Calculator
• Downloading of Forms and Requirements
101
• Inquire account balance
• Transfer funds to another LANDBANK account
• Pay bills
• Request for month-to-date statement by fax
• Request for check book
• Inquire status of issued checks
• Inquire returned checks
• Report lost or stolen ATM Card
• Talk to a Phone banker
• Request information on other LANDBANK products and
services
 A free application that provides clients
convenient access to the Bank’s wide array of
services through their smartphones.
Anytime. Anywhere.

Experience personal banking

at your fingertips

Available for FREE download

 FUNCTIONALITIES

MOBILE BANKING TRANSACTIONS 1

 View balance and transaction history 2
 Transfer funds
 to LANDBANK Own Account 2
 to 3rd Party LANDBANK Account 2
 to anyone 3
 to other banks
 Pay bills to over 80 billers
 Reorder checkbook 2
 Lock/Unlock ATM Card via Mobilock 2
1
To enable financial transactions (e.g. fund transfer, bills payment, checkbook reorder),
enrollment of iAccess account through Branch is required
2
Enrolled LANDBANK Accounts in iAccess
3
Non-enrolled LANDBANK Accounts in iAccess

NOTE: A One-Time PIN (OTP) shall be required to allow Fund Transfer to Anyone and Fund
Transfer to Other Banks which shall be received via the mobile number or personal e-mail address
defined in your iAccess account.
 FUNCTIONALITIES

ACCESS YOUR CASH CARD

SEARCH ATM/BRANCH
 View available balance and  LANDBANK
transaction history Branches
 ATM Locations

INQUIRY CONTACT US
 View rates for:  Customer Care
• Foreign Exchange (FOREX) Center
• Unit Investment Trust Fund  Domestic Toll-Free
(UITF)  E-Mail
Generate One Time PINNew! Link to ePPNew!
 Generates OTP  Redirects to a
for Fund Transfer mobile browser
to Anyone and and opents the
IBFT transactions LANDBANK
ePayment Portal
website
MOBILE BANKING MODULE:
LOGIN SCREEN

 Use IACCESS login credentials

(User ID and Password) to access
MOBILE BANKING MODULE:
ACCOUNT DETAILS

 Displays all accounts enrolled in IACCESS

with the following details:
• Available / Current balance
• Transaction History (last 60 days)
MOBILE BANKING MODULE:
FUND TRANSFER MENU

 Allows transfer of funds from accounts

enrolled in IACCESS:
• Transfer to Own account1
• Transfer to 3rd Party account1
• Transfer to Anyone2
(non-enrolled LBP account)
• Transfer to Other Banks2
(BANCNET member-bank’s ATM account)

1
Enrolled LANDBANK Accounts in iAccess through Branch.
2
Non-enrolled LANDBANK Accounts in iAccess. A One-Time PIN (OTP)
shall be sent either through mobile number or email address
registered in iAccess Account to allow the fund transfer to Anyone
and Other Banks.
MOBILE BANKING MODULE:
FUND TRANSFER - TO OWN ACCOUNT

 Allows transfer of funds between

your own accounts enrolled in
IACCESS
MOBILE BANKING MODULE:
FUND TRANSFER - TO THIRD-PARTY

 Allows transfer of funds between enrolled

accounts in IACCESS - from your own
account to a third-party account
MOBILE BANKING MODULE:
FUND TRANSFER - TO ANYONE

 Allows transfer of funds between your own

account enrolled in IACCESS to any
non-enrolled eligible LANDBANK account

 Transfer shall be subject to a One-Time PIN

(OTP) available via any of the following:
 Sent to mobile number or email address
registered in your IACCESS account; or
 OTP generator module* of LANDBANK MBA

* Registration to OTP Generator module is

required.
MOBILE BANKING MODULE:
FUND TRANSFER - TO ANYONE
3 Click From Account and
select your Source Account 4 Click To Account and
select your Destination Account 5 Indicate the amount you want
to transfer, then click Submit

6 Review and Confirm the transaction

or click Back to amend details 7 Take note of the Transaction Reference
Number. Simultaneously, you will receive an
e-mail notification.
MOBILE BANKING MODULE:
FUND TRANSFER - TO OTHER BANK

 Allows transfer of funds between your own

account enrolled in IACCESS to BANCNET-
member ATM account

 Transfer shall be subject to a One-Time PIN

(OTP) available via any of the following:
 Sent to mobile number or email address
registered in your IACCESS account; or
 OTP generator module* of LANDBANK MBA

* Registration to OTP Generator module is

required.
MOBILE BANKING MODULE:
BILLS PAYMENT

 Allows payment to over 80 billers, to either your

enrolled in IACCESS or non-enrolled billers.
 Enrolled Billers* – frequently paid biller
reference numbers enrolled in IACCESS
 Non-Enrolled Billers

/* - Enrollment of biller reference numbers can be done in

IACCESS – Manage Billers module.
MOBILE BANKING MODULE:
MORE MENU

 Displays other services for Mobile Banking:

 Checkbook Reorder
 Mobilock
 OTP Generator (if already registered) or
Register for OTP Generator (if not yet
registered)
 Contact Us
MOBILE BANKING MODULE:
CHECKBOOK REORDER

 Allows reorder of checkbooks for enrolled

Regular Current Account/s enrolled in IACCESS.
 Maximum of 3 checkbooks may be requested
per day.

Note: Subject to approval of the branch of

account and debit the client’s accounts for the
cost of checkbook.
MOBILE BANKING MODULE:
MOBILOCK

For details,
visit LANDBANK website.
MOBILE BANKING MODULE:
MOBILOCK
1 2 3
On the list of your enrolled accounts Toggle the button on either or both
Click More then
with ATM card, select the Account Domestic and/or International,
select Mobilock
you wish to lock/unlock. then click Submit.

4 Review and Confirm the transaction

or click Back to amend details 5 Take note of the Transaction Reference
Number. Simultaneously, you will receive an
e-mail notification.
MOBILE BANKING MODULE:
OTP GENERATOR

 Allows registration and management for

OTP generator.
 Registration to OTP generator would eliminate
the delay in receiving OTP via SMS/e-Mail.
 Only one (1) IACCESS User ID may be
registered to OTP Generator per mobile phone.
 You may unregister from OTP Generator any
time via MBA OTP Generator module or
contact LANDBANK Customer Care Center.
MOBILE BANKING MODULE:
CONTACT US
1 2
Click More then Select your preferred channel to contact
select Contact Us LANDBANK Customer Care Center

Note: Telephone or mobile data

charges
may apply.
CASH CARD MODULE

 Allows viewing of the following after

successful input of Cash Card Number
and PIN:
• Available balance
• Transaction history
INQUIRY MODULE

 Allows viewing of the following rates:

• Foreign Exchange (FOREX)
• Unit Investment Trust Fund (UITF)
ATM/BRANCH LOCATOR MODULE

 Allows viewing of LANDBANK Branches

and ATM location.
CONTACT US MODULE

 Allows viewing of the contact details of

the following:
• Customer Care Center
• Domestic Toll-free
• E-Mail Address

Note: Telephone or mobile data charges may apply.

EPP LINK MODULE

 A hyperlink that redirects to the

LANDBANK ePayment Portal (EPP)
website

Note: Mobile data charges may apply.

AUTHENTICATION AND SECURITY FEATURES

 User ID & Password to login

 Force change of default password (upon initial login or password reset)
 Enrollment of the following:
o Accounts (Own and Third-party)
o Access to Financial Services
 Auto log-out from the system (due to inactivity)
 Auto lock-out (3 unsuccessful password login re-tries)
 Forgot Password (allowed only if account is not locked)
 E-mail confirmation through IACCESS-registered e-mail address for each
financial transaction
 One-time PIN (OTP) as 2nd level authentication for fund transfer to non-
enrolled LANDBANK and other Bank account/s
ELECTRONIC
SALARY LOAN
WHAT IS ESL?
The Electronic Salary Loan (ESL) is an
electronic-based salary loan system
using the Livelihood Loan System as
backend.
DEFINITION OF TERMS
Borrowers and Co- List of Employee-Borrower and co-Makers
Makers List (BC List) requesting loan application
e-Signature Electronic signature feature of ESL that
signifies Employee-Borrower’s confirmation
of loan availment after online submission of
application documents
ESL Origination System ESL front-office that supports loan
(ELOS) application which will be processed real time
and through batch
Livelihood Data File A protected MS Excel input file as a data
(LDF) entry template to capture co-
maker’s/borrower’s loan information from
the application form
Processed file from CRES with credit risk
score
DEFINITION OF TERMS
Non-iAccess Users Eligible retail clients (individual) who are not
enrolled in iAccess.
One-Time Password A password that is valid for only one login
(OTP) session or transaction on a computer system
or other digital device.
 SYSTEMS FEATURES
a. Use of Landbank Mobile Banking Application (MBA) for the
following:

b. Use of SMS notification for the following:

 Loan Eligibility
 Borrower/Co-Maker Loan Confirmation
 Loan Approval

c. Co-maker IS OPTIONAL
d. Secured access via uniform resource locator (URL)
 SYSTEMS FEATURES
e. OTP required for ESL transactions
f. With electronic signature (e-signature) confirming loan
availment
g. With option to input loan amount and loan term]
h. Loan Calculator
ESL Components
Landbank Mobile Banking Application
 Online Application
 PN Registration
 Payment transaction and loan
history inquiry
 Outstanding Balance Inquiry

Electronic Loan Origination System

 BC List uploading
 Generation of LDF for CRES
 Generation of eDoc
ESL Components

Livelihood Loans System

 Account Profile
creation/modification
(Automatic)
 PN Creation (Automatic)
 PN Approval
 Loan Release
 Loan Payment
 Accounts Payable
monitoring
 Point-of-Sale
Debit/Credit Facility

Facilitates the verification and processing of

payments for the purchase of goods and
services, using locally issued debit or cash
cards.
 POS Accreditation Criteria

 Electrical and Telco charges shall be for the account

of the merchant
 Automatic Voltage Regulators (AVRs) or
Uninterrupted Power Supply (UPS) shall be provided
by the merchant (if not wireless)
 POS Debit/Credit Benefits

• Additional mode of payment for customer’s

convenience; Accepts all Debit Cards
• Better management of cash-on-hand;
shortages in coins and change can be
eliminated.
 Merchant Discount Rate &
Transaction Fees
(POS Debit)

Required Fixed
Minimum
Merchant Category Monthly Transaction
MGR
Sales (RMS) Fee

Financing or
Lending
P300,000.00 0.01% P 10.00
Companies,
Cooperatives
 Merchant Discount Rate
(POS Credit)

Required
Merchant
Monthly VISA MASTERCARD
Category
Sales

Utilities P400,000.00 2.75% 2.75%

 POS MonthlyMinimum
Transaction Requirement
Charges

GPRS POS Terminal (Desktop or Mobile)

P1,500.00 per month
Dial Up POS Terminal
P500.00 per month
 Point-of-Sale Cash Out
Facility

LANDBANK ATM Debit Card or Cash Card

transactions are honored for the Cash
Out/Withdrawal transactions made by
Rural Banks, Coops and other CFI using
the POS terminal.
 Features
 Allows BALANCE INQUIRY and CASH
WITHDRAWAL using a POS device instead of
an ATM and is disbursed by Partner Institution
Personnel (CFIs and Cooperatives)
 Transaction range is from P100.00 –
P10,000.00
 Withdrawal amount not necessarily multiples of
100 (ex. Can be P150, P1,055)
 P10,000.00 limit per withdrawal but the total
daily limit per account follows Issuer Bank’s limit
Features
• Minimum Guaranteed Transactions of 900 per
quarter
• Convenience fees on top of the ATM withdrawal
fee imposed by the issuing bank:
– P20.00 for every successful withdrawal
• Receipt is printed for both cardholder and
Partner Institution for every withdrawal
• Balance inquiry is free, no receipt is printed
• Lock – in Period of 3 years
Sample Receipt
Transaction Flow
Accreditation Criteria
CFIs and Cooperatives

• With satisfactory credit dealing in the last three years

• No adverse credit findings

• With an ADB of at least P300,000.00

• Willing to pay Minimum Guaranteed Revenue (MGR)

per quarter
Sample Report
An internet-based payment
system that allows clients to pay
for products/services of both
government and private
institutions using their LANDBANK
Accounts, ATM Cards of BancNet-
Member Banks, Visa and
Mastercard Branded Cards and
GCash accounts in real-time
manner.
 SYSTEM FEATURES

 Available online, seven days a week, including

holidays, except during system maintenance

 The following accounts are eligible source accounts

for the Link.Biz Portal:
LANDBANK ATM/Debit Account
BancNet-member ATM Account
Globe G-Cash
Credit Cards – Visa and Mastercard (optional)
 SYSTEM FEATURES
 No enrolment/registration required from
merchant’s clients/payors.
 A One-Time Password or OTP will be required to
authorize transactions
Via e-mail address
Via mobile number
 Real-time debit from the consumer/payor’s account
and batch credit to merchant’s existing account
maintained with LANDBANK
• LANDBANK: end of day credit
• Other payment sources: credit on day 2
 SYSTEM FEATURES

 Client/payor will receive Debit Confirmation

Receipt or a payment confirmation through
email
 Real-time online viewing facility of payment
transactions for merchants
 Reports may be printed and downloaded in MS
Excel and CSV for merchant’s balancing and
reconciliation
 SYSTEM FEATURES
 LANDBANK Link.BizPortal can be accessed thru any
of the following:
1. Link.BizPortal URL
https://www.lbp-eservices.com/egps/portal/index.jsp

2. Via link located at the homepage of the LANDBANK

website that will direct the client to the Link.BizPortal
website
www.landbank.com

3. Merchant’s website
(Link.BizPortal hyperlink or after interfaced with the Link.BizPortal Web Service)
 TRANSACTION FEES
TYPE OF FEE SOURCE ACCOUNT/ AMOUNT
PAYMENT GATEWAY
FIXED FEE:
LANDBANK - Convenience Fee LANDBANK P10.00
Merchant - Transaction fee LBP/BancNet/G-Cash (any, optional)

VARIABLE ADDITIONAL FEE:

BancNet Online Fee Bancnet Account P15.00
(non-LANDBANK)
G-Cash Online Fee G-Cash P15.00
(P1.00 – P999.00) or
P25.00
(P1,000.00 and above)
ePayment Solutions
City of San Jose Del Monte

City of San Jose Del Monte

Rural Bank LGU Sual, Pangasinan

of Tabuk
Rural Bank LGU
of Tabuk
Sual, Pangasinan
City of San Jose Del Monte

BUSINESS PERMIT FEE

City of San Jose Del Monte Payment Details
BUSINESS PERMIT FEE

 Source Account

 12 fields
 100 characters
 customizable

 CAPTCHA
Concepcion Water
City of San Jose District
Del Monte

BUSINESS
Tuition
PERMIT
Fee FEE
ATM Card credentials

 One-Time Password
(OTP)
 Personal Identification
Number (PIN)
 Joint-Account Indicator
(JAI)
City of San Jose Del Monte – Business Permit Fee
Business Permit Fee for the City of San Jose Del Monte
MERCHANT PAYMENT INQUIRY
MERCHANT PAYMENT INQUIRY
MERCHANT PAYMENT INQUIRY

Filter Criteria
 Reference Number
 Date Range (mm/dd/yyyy)
 Transaction Type
 Source Account
 Documentary requirements
• Duly notarized Memorandum of
Agreement
• Memorandum of Understanding and
Non-Disclosure Agreement (if with
interface)
• Board Resolution
• Merchant Enrolment Form, and
• Merchant Payment Inquiry (MPI) User
Enrolment Form
www.landbank.com