LANDBANK

Digital Channels for

GSIS Payments

GSIS Briefing to Stakeholders

22 May 2024
Presentation Outline
• Electronic Modified Disbursement System
– Overview and features
– Requirements
– Transaction Walk-through
• weAccess Institutions Internet Banking
– Overview and features
– Requirements
– Transaction Walk-through
• System Requirements
• Security Features
• Benefits
Promoting efficiency and transparency
through technology and automation

https://www.lbpemds.com
 MDS Online… Anytime

WHAT is eMDS ?
A secure Internet facility for National Government Agencies (NGAs) including the
Bureau of the Treasury (BTr) and the Department of Budget & Management (DBM) that
will give banking convenience to perform MDS transactions online.

WHAT DOES eMDS DO?

It addresses the tedious and costly processing of MDS transactions and aims to
eliminate physical transmission of MDS documents.

With the eMDS, NGAs are no longer required to submit the required Bank documents
necessary if MDS transactions (e.g ACIC, Checkbook, NTA, LDDAP) were performed via
eMDS.

Note: BTR-DBM required documents are still to be submitted thru the Branch.
 Manual vs EMDS Process
Manual Process

1. DBM-CO & RO encodes,

4. LBP picks up NCAs (Regular
approves and issue NCAs & LDDAP 2. DBM Manually releases NCA 3. DBM issue ANCAI to agencies
LDDAP) from DBM-CO & RO
(eBudget)

5. LBP credits NCAs to MDS 6. Government Agency encodes 7. Government Agency submits 8. Branch process ACIC/ADA,
accounts ACIC, NTA, LDDAP hard & soft copies (USB/CD) LDDAP,NTAs

12. LBP's MDS Online processes

10. MDS Check Payee/Supplier MDS checks, consolidates report
9. Government Agency releases 11. Branch credit payee's account
negotiates MDS checks over the on Negotiated MDS check, and
MDS Checks (LBP or Other Banks)
counter or deposit to other Banks submits request for replenishment
to BTr

13. BTr replenishes MDS Seed

Fund
 Manual vs EMDS Process
Process

1. DBM-CO & RO encodes,

4. LBP picks up NCAs (Regular
approves and issue NCAs & 2. DBM Manually releases NCA 3. DBM issue ANCAI to agencies
LDDAP) from DBM-CO & RO
LDDAP (eBudget)

6. Government Agency encodes

5. LBP credits NCAs to MDS ACIC, NTA, processes LDDAP- 7. Government Agency submits 8. Branch process ACIC/ADA,
accounts ADA, NTAs, and credits payee's hard & soft copies (USB/CD) LDDAP,NTAs
account (LBP account holder)

8. MDS Check Payee/Supplier 9. EMDS process MDS checks,

7. Government Agency releases negotiates MDS checks over the 10b. Branch credit payee's consolidates report on Negotiated
MDS Checks counter or deposit to other account (LBP or Other Banks) MDS check, and submits request
Banks for replenishment to BTr

10. BTr replenishes MDS Seed

Fund
 FEATURES
eMDS provides a straight-through processing of the following
transactions where the NGAs initiate and process its own transaction
without the intervention of the Branch:

Account Information ACIC NTA LDDAP CHECKBOOK

• View MDS account balances • Request for a checkbook
and transaction details Advice of Checks Notice of Transfer List of Due & Demandable
• Download account Issued and Cancelled Allocation Accounts Payable
statement • Transmission of ACIC • Transfer of fund • Processing of payment of
• Inquiry of check allocation accounts payable to creditors
status

Internal
Creditors
Note:
• Check numbers starting with “99” in the ACIC Creation module shall not be allowed.
• Validity of MDS Checks from 6 months to 3 months from date of issue. This is in compliance to BTr Circular No. 03-2017.
• Processing of credit to creditor’s account is within 24 to 48 hours after Agency’s
approval of LDDAP transaction
GSIS Payments
via

Agency User Guide

EMDS-GSIS Payments Requirements

 Enrollment in the GSIS eBilling and Collection System (eBCS)

 Coordinate with the respective GSIS office

 Enrollment in the LANDBANK EMDS

 Coordinate with the LANDBANK Servicing Branch
 Enrollment Requirements

The following documents will be submitted to the LANDBANK Branch:

 eMDS Agency and MDS Account Enrollment and Maintenance Form
(AMAEMF), for newly-opened MDS sub-account
 Reminder: For PHILHEALTH payments, indicate in this form the 12-digit PhilHealth
Employer Number (PEN)

 User Request/Certification of Access Rights Form (UR/CARF) – for

Government Agency

 EMDS Terms and Conditions

 LDDAP-ADA Enrollment Form to enroll the account number of Internal

Creditors and clearing account numbers of GSIS and PHILHEALTH (for
payments to the said institutions)

 NTA Enrollment Form to enroll the source and destination MDS

sub-accounts to the EMDS
 GSIS EBCS Side
Remitting Agency shall first transact in the GSIS-eBCS website.
Upon paying, the agency will choose ONLINE as Payment Mode and choose LBP as
the Bank. Once the agency clicks CONFIRM, the agency shall continue with the
payment via the eMDS website.
AGENCY MAKER
ACCESS
1) Agency Maker logs-in to the eMDS
2) Click LDDAP-ADA
3) Click Create LDDAP-ADA
4) Select MDS Account where payment will be debited
5) Enter the ACIC No., NCA No., and ADA/Check No.
6) Select the Internal Creditor
 Remitting Agency Name - Auto-populated

7) Click Retrieve Details after inputting the EBCS

Transaction Code and GSIS Agency Code
8) Specify the object code
9) Click Add
10) Click Proceed button
11) Review the details and click Confirm button
12) An Acknowledgment Page will be displayed
indicating that the request has been submitted for
Agency Authorizer’s approval
AGENCY AUTHORIZER
ACCESS
1) Agency Authorizer logs-in to the eMDS
2) Click LDDAP-ADA
3) Click Approve LDDAP-ADA
4) Click the Transaction Reference Number of
the transaction to be authorized
5) Review the details and click Approve button
6) A Confirmation Page will be displayed for additional layer of validation.
7) Click Confirm button.
8) Upon approval, the status will be changed to “Approved / For LBP Processing”.
9) Within 24 hours, the status will be updated according to the transaction
processing result.
10) Monitor the status by going to the Inquire LDDAP-ADA module.
 Inquire LDDAP-ADA

1) Click LDDAP-ADA
2) Click Inquire LDDAP-ADA
3) Check the Status of the Transaction if it is Successful or
Unsuccessful

4) Click Transaction Reference No.

5) Check the Status of the Transaction
 SERVICE PERIOD

EMDS TRANSACTION SERVICE AVAILABILITY:

Monday to Friday
Approve Advice of Issued Checks 6:00 AM – 8:00 PM
Approve Advice of Cancelled Checks 6:00 AM – 8:00 PM
Approve LDDAP 6:00 AM – 8:00 PM
Approve Checkbook Request for Agency 6:00 AM – 8:00 PM
Approve NTA 6:00 AM – 8:00 PM
LANDBANK’s Institutional
Internet Banking System

website: https://www.lbpweaccess.com/
An internet banking facility developed for the
Bank's institutional clients, both private
corporations and government entities. It
allows clients to make selected banking
transactions online.
ELIGIBLE ACCOUNTS

weAccess is available for the following accounts:

a. Regular Savings Account
b. Regular Current Account
c. Interest Bearing Current Account
d. High Yield Savings Account (Available for viewing purposes only)
Registration of Authorized Users

FRONT-END APPLICATION

• Enrollment of users to the weAccess facility shall be done only to the

Institutional Depositor’s Servicing Branch

• The following roles shall be granted to the Institutions Authorized

users:
1. Corporate Administrator
2. Authorizer
3. Maker
ENROLLMENT REQUIREMENTS
Minimum
weAccess Functionalities Aggregate Enrollment Requirements
ADB
Default access No ADB  weAccess Enrollment Form
 Account Profile required
 Bills Payment
 ACIC File Upload
 Loan Profile
 Viewing Access to Reports
Complete access for Category A Php 200,000  weAccess Enrollment Form
Institutions (If number of employees  Duly Notarized Board Resolution or
is 100 or less) Secretary’s Certificate for institutions
All available weAccess functionalities with Board of Directors
 Sangguiniang Resolution for LGUs
Complete access for Category B Php 500,000  Letter from the Head of Agency/Office
Institutions (If number of employees for NGAs/line agencies
is more than 100)  Specimen Signature Card of newly
designated authorized signatory for the
All available weAccess functionalities weAccess facility

Note:
Signatory/ies should be the same authorized signatory/ies as specified in the company/institution’s documents (i.e.
Board Resolution/Secretary’s Certificate/Specimen Signature Cards) submitted for account opening/maintenance. In
case the signatories authorized via the resolution submitted for weAccess is different from the resolution submitted
during account opening, said resolution shall be treated as an addendum to the latter.
ENROLLMENT REQUIREMENTS
Additional Requirements for specific weAccess Modules:

for ACIC File Upload Module:

a. Sangguniang Resolution for LGUs / Barangay Council Resolution

for EC NOW – Access Module

b. EC NOW Access Set-up Form
c. Duly Notarized Board Resolution allowing enrollment to EC NOW
Access Module
FEATURES

ACCOUNT INFORMATION
View, print, or download and save bank statement on any of the following formats:

MS Money/ Spreadsheet Microsoft Excel

Worksheet (XLS) XML Data MT940
Quicken Format Format (CSV) (XML) Format
(QIF)

BILLS PAYMENT
• Pay bills
• Remit employees’ Pag-IBIG Fund contributions
• Pay GSIS remittances Service Period – 12:20AM to 11:00PM
 GSIS EBCS Side
Remitting Agency shall first transact in the GSIS-eBCS website.
Upon paying, the agency will choose ONLINE as Payment Mode and choose LBP as
the Bank. Once the agency clicks CONFIRM, the agency will be redirected to the
weAccess website.
weAccess GSIS Bills Payment
Module
Navigation Guide

Let’s stay connected.

 GSIS BILLS PAYMENT PROCESS
Maker Access
1 User (MAKER) logs-in to the weAccess using his User ID
and Password.
 GSIS BILLS PAYMENT PROCESS
Maker Access
1 User (MAKER) inputs the Response Code provided
through the SMS or eMail.
 GSIS BILLS PAYMENT PROCESS
2 Maker Access
Maker clicks the Pay Bills under Funds Management.
 GSIS BILLS PAYMENT PROCESS
3 Maker Access
Maker clicks the Pay Bills and selects intended biller.
 GSIS BILLS PAYMENT PROCESS
4 Maker enters the “GSIS Agency Code” and “eBCS
Maker Access
Transaction Reference No.” from GSIS eBCS website and click
“Continue”.
 GSIS BILLS PAYMENT PROCESS
5 Maker enters the “GSIS Agency Code” and “eBCS
Maker Access
Transaction Reference No.” from GSIS eBCS website and click
“Continue”.

GSIS Agency Code - This is known by the user since this will be needed
before he/she can be able to transact in the GSIS-eBCS website.
GSIS Transaction Code - This will be provided from the GSIS-eBCS.
(next slide).
 GSIS BILLS PAYMENT PROCESS
6 Maker Access
GSIS EBCS Side
 GSIS BILLS PAYMENT PROCESS
7 Maker Access
Maker clicks “Continue” then clicks
“OK” to confirm.
 GSIS BILLS PAYMENT PROCESS
8 Maker Access
Maker reviews the details provided in the Transaction
Details screen and clicks “Continue”.
 GSIS BILLS PAYMENT PROCESS
9 Maker Access
Maker selects account to debit by clicking the radio button
of the “Account Number” then click “Submit and OK”.
 GSIS BILLS PAYMENT PROCESS
10 Maker Access
Transaction Acknowledgment page will be displayed after a successful
initiation of a GSIS bills payment. The transaction will be routed to the
Authorizer for approval. Maker can print the Transaction
Acknowledgment
by clicking the PRINT button.
 GSIS BILLS PAYMENT PROCESS
Authorizer Access
1 User (AUTHORIZER) logs-in to the weAccess using his
User ID and Password.
 GSIS BILLS PAYMENT PROCESS
Authorizer Access
1 User (AUTHORIZER) inputs the Response Code
provided through the SMS or eMail.
 GSIS BILLS PAYMENT PROCESS
2 Authorizer clicks the Pay Bills under Funds
Authorizer Access

Management.
 GSIS BILLS PAYMENT PROCESS
3 Authorizer views Payments (Details of all Bills
Authorizer Access

Payment are displayed.)

 GSIS BILLS PAYMENT PROCESS
4 Authorizer clicks the Transaction Reference Number of
Authorizer Access

the transaction with "To Be Authorized" Status.

 GSIS BILLS PAYMENT PROCESS
5 Authorizer Access
Authorizer reviews the payment details and clicks Approve / Disapprove / On Hold, as the
case may be: Approve - to execute the transaction; Disapprove - to fail the transaction.
Authorizer can go back to the held transaction for approval or disapproval. Click OK to
confirm.
 GSIS BILLS PAYMENT PROCESS
5 Authorizer Access
Authorizer reviews the payment details and clicks Approve / Disapprove / On Hold, as the
case may be: Approve - to execute the transaction; Disapprove - to fail the transaction.
Authorizer can go back to the held transaction for approval or disapproval. Click OK to
confirm.
 BILLS PAYMENT PROCESS
6 A Transaction Acknowledgement page containing the TransactionAuthorizer
Reference Access
Number will be shown to confirm the transaction. Print this to serve as proof of
payment (if transaction is approved by the Authorizer).
FEATURES
FUND TRANSFER
• Transfer funds to enrolled own or third-party LANDBANK account immediately, on
future date or recurring Service Period – 12:20AM to
• Transfer funds to non-enrolled Other Bank’s account via 11:00PM
or
• Maximum of fifty (50) third-party accounts can be enrolled.

an Electronic Fund Transfer (EFT) facility that allows LANDBANK clients to transfer PHP funds to
other participating BSP-supervised banks and non-bank Electronic Money Issuers (EMIs) in the
Philippines.
 Transfer PHP funds in real-time.
 Up to PHP 50,000 per transaction or a total of PHP 500,000 per day per source account.
 Minimal transaction fee of PhP15.00 (charged to sender)

an EFT facility that enables LANDBANK clients to transfer PHP funds to other participating banks,
EMIs or mobile money operators in the Philippines.
 Crediting is 1 to 3 banking days depending on the processing cut-off period of the destination
bank.
 No amount limit per transaction.
 Minimal transaction fee of PhP15.00 (charged to sender)

Requests for reversal can be coursed through client’s LANDBANK Servicing Branch or via Customer Care Center at (02) 8405-7000
or 1-800-10-405-7000 (PLDT Domestic Toll Free) or email at customercare@mail.landbank.com.
FEATURES
AUTO CREDIT/AUTO DEBIT
Credit supplier’s account and debit borrower’s account thru File Creation (.txt)
using Financial Data Entry System (FinDES)

FUND SWEEPING
Sweep funds to and from satellite accounts
 Fund sweeping shall be initiated by the authorized maker and approved
by the authorize of the institutional account

 The institutional depositor shall set the limits on amounts, frequency

and time of sweep

 Setting of sweep time from 7:00AM to 9:00PM

FEATURES
ATM PAYROLL
Credit employees’ salaries and bonuses thru
File Creation (.txt) using Financial Data Entry System (FinDES)

• Only Landbank Accounts are eligible as destination accounts

• Destination accounts are individual accounts

• Future dated payroll up to 60 days from date of transaction may be requested.

And it must be authorized at least a day before the payroll date

• Cancellation of future-dated payroll must be at least a day before the payroll

date

• Service period for ATM Payroll 0020 to 2000

(12:20AM to 8PM)
FEATURES
LOAN PROFILE

Allows the institutional depositor to view information on credit lines

and perform loan payment.

 Only payments for enrolled loan accounts shall be accepted.

Enrollment shall be subject to the validation and matching of data
from the Banks Loan System

 Future-dated loan payment up to 90 days from date of transaction

may be posted daily and must be authorized at least a day before the
loan payment date

 Cancellation of future-dated loan payment must be authorized at

least a day before the loan payment date and within the service
period

Service period – 0020 to 2300 (12:20AM to 11:00PM)

FEATURES
CHECKBOOK REORDER /
CHECK STATUS INQUIRY
Request for checkbook and inquire status of issued checks

• Branch of Account shall handle the check requisition through the

Check Requisition (CKRQ) of the FIAS

• Maximum of 99 checkbooks per account per transaction

• Payment of the cost of checkbook shall be automatically debited from

the users selected source account. Booking of the transaction shall be
based from the report downloaded from IDRARS

Service period – 7:00 AM to 10:30PM

FEATURES
ACIC FILE UPLOAD
Allows NGAs and LGUs to upload regular Accountant’s Advice.
File Creation (.txt) thru RegACICDES Application

• Transactions made within the last 60 days can be viewed

Service Period – Mondays to Fridays, 7:00AM to 11:00PM

ACCOUNT MAINTENANCE
Allows the user to amend the account tag of
enrolled accounts

REPORTS
Allows the user to download other reports applicable
to the Institution
SYSTEM REQUIREMENTS
• Internet-capable computer

• Internet connection

• Best viewed using the latest version of

Google Chrome, Mozilla Firefox or
Microsoft Edge
SECURITY FEATURES

User Name & Password • Auto log-out system (15 minutes)

• Auto lock-out (3 unsuccessful
password tries)

Enrollment of Accounts,
Two-Factor User Authentication
Authorized Users, Access
• Response Code sent by default via
Rights and Authorization
e-mail and resending via SMS/e-
Rule
mail

Two-level authorization of
transactions
– Maker as initiator and
Authorizer as approver
 Pass-Thru Account

What is a Pass-Thru Account

A checkless Current Account that serves as the source account
for ATM Payroll uploading and Bills Payment of NGAs.
 Benefits of Using Digital Channels
24x7 Accessibility to viewing of Account Information*
o Updated reports and reconciliation of Accounts

Cost Savings
o Reduced manpower and administrative expenses by eliminating the daily
physical sending and/or pick-up of hard copies of reports and flash drives
o Manual consolidation of reports

Compliance to Laws and Government Mandates

o “Electronic Commerce Act of 2000”
o Executive Order No. 170 Adoption of Digital Payments for Government
Disbursements and Collections

Improved efficiency
o Straight-through processing

Better fund management

*Availability of EMDS and weAccess modules are subject to the
defined service period.
LANDBANK Branches
BRANCH ADDRESS CONTACT NOS.
ILIGAN LANDBANK Bldg., Bro. Raymond Jeffrey Road (063) 221-5029 / 225-3187
cor. Quezon Ave. Ext., Pala-o (063) 225-3767
ILIGAN PLAZA Feliciano Building, Aguinaldo corner Mabini (063) 221-3317 / 221-2739 /
Streets, Poblacion, Iligan City, Lanao del Norte 492-3317
9200
KAPATAGAN National Highway Poblacion, Kapatagan, Lanao (063) 221-8193
del Norte
MAIGO Purok 2, Poblacion, Maigo Lanao del Norte (063) 227-4351

MARAWI Amai Pakpak National Road Barangay Biaba 0917-310-5400 /

Damag Marawi City, Lanao del Sur 0918-910-3326
TUBOD LANDBANK Building, Quezon Avenue (063) 229-7399 / 341-5254 /
Poblacion Tubod, Lanao del Norte 341-5239
(063) 341-5212
0951-939-2419
WAO LANDBANK Building, Wao, Lanao del Sur 0917-139-4526
Thank you!