Frequently
Asked Questions for BOC Pay (the “FAQ”)
A.
Registration
and use of the BOC Pay (“BOC Pay”/ “ this App”)
B.
Security
Information
A. Registration
and use of the BOC Pay (“BOC Pay”/ “ this App”)
1.
What service could
I enjoy on BOC Pay?
BOC Pay is a mobile application developed
by Bank of China (Hong Kong) Limited (“the Bank” or “BOCHK”), supporting BOC UnionPay Dual Currency Credit Card cardholders to make payment with smartphones both locally and worldwide.
After downloading the BOC Pay and adding a BOC UnionPay
Dual Currency Credit Card, customers can make payment smoothly
at UnionPay QR code merchant worldwide without the
need of holding any cash or physical credit card. Comparing to cash, physical
credit cards or other traditional payment means, this App service is relatively simpler and can enhance customer
experience.
2.
How do I register
for BOC Pay and add BOC UnionPay Dual Currency Credit Card?
i.
Download and open BOC Pay;
ii.
Follow the instructions shown on the screen and fill
in related information of the BOC UnionPay Dual
Currency Credit Card that you would like to add to BOC Pay;
iii.
Read and accept the terms and conditions;
iv.
Verify the cardholder’s identity by using the SMS
One-Time Password issued by credit card company;
v.
Complete the registration and add your BOC UnionPay Dual Currency Credit Card by setting and confirming your payment passcode.
3.
Does BOC Pay require
an internet connection for payment?
Yes, internet
connection is required for making payment via this
App.
4.
How
do I use BOC Pay?
i.
For payment, you could open this App, tap “QR Code” or “Scan” option
according to the situation, and authenticate the payment by inputting your payment
passcode. After all these steps, you can make payment in UnionPay
QR code merchants worldwide that either have point-of-sale terminals or have presented
a QR code. A swift and simple transaction can be made without the need of
signature;
ii.
For cards management, you can browse and
search all the credit cards added to this App
through “Cards” at the bottom
function bar;
iii.
For transaction
history, you can search the transaction records through “Transactions” at the bottom function bar.
5.
What is “QR Code” payment mode?
“QR Code” payment mode means using your QR
Code generated through the BOC Pay, and getting the QR Code scanned by merchants
to complete the transaction following the steps below:
i.
In the BOC
Pay home page, tap “QR Code” function to generate your QR Code after inputting
your payment passcode;
ii.
Display
your QR Code to the merchant for cashier to scan;
iii.
Transaction
completes after successful scanning.
6.
What is “Scan” payment mode?
The payment mode offers you to scan the
merchant’s QR code to complete transaction through the BOC Pay with the steps
below:
i.
In the BOC
Pay home page, tap “Scan” function;
ii.
Your
phone’s camera will be turned on, and you could scan the QR Code presented by merchant;
iii.
After
scanning successfully, the BOC Pay may automatically display the merchant’s name
and transaction amount. If this App does not display any transaction amount, this
App will remind you to input transaction amount. After confirmation, you are
required to authenticate by payment passcode. Transaction completes after
successful authentication.
7.
After I have registered for the BOC Pay and added
my first credit card, how do I add a new credit card to or remove my credit
cards from the BOC Pay?
To add your credit cards, you could first select
“Cards” at the bottom function bar to enter into “Cards Management” module.
Then, tap “+” at the top right hand corner to start the add
new credit cards’ procedures.
To remove your credit cards, you could first
select “Cards” at the bottom function bar to enter into “Cards Management”
module, select the credit cards that you would like to remove, tap “…” at the
top right hand corner, select “delete card”. Cards are removed after successful
authentication by payment passcode.
Alternatively, you could contact BOC Card
Customer Service Hotline at (852) 2853 8828 to remove your credit cards from
this App.
Please note that if your added credit cards
have become invalid (e.g. due to renewal or re-issuance), the invalid credit
cards will be automatically removed.
8.
How do I check my recent transaction records
on QR code payment?
To check your transaction records, you could
open this App and
then select “Transactions” at the bottom function bar.
The transaction records on QR code payment
will be recorded on your credit card monthly statement. Also, you can search
for the related QR code payment transaction record on BOCHK Internet Banking or
BOCHK Mobile Banking.
9.
Who is eligible for registering QR Code
payment service on BOC Pay?
At this stage, only BOC UnionPay
Dual Currency Credit Card Cardholders (both the main card or/ and
the additional card) can register the service.
10. BOC Pay
is compatible with which version and models of smartphones?
This
App supports all the iOS models (8.0 version or above) and Android models (6.0 version or above).
11. Any
transaction limit for the QR code payment service?
For “QR
Code” payment mode (“customer presented”) *, payment per transaction is
limited to a maximum of HK$50,000.
For “Scan”
payment mode (“merchant presented”)*, payment per transaction is limited to
a maximum of HK$1,000 and the monthly aggregate amount is limited to a maximum
of HK$10,000 (based on the statement date posted in the credit card statement).
The above transaction limit for QR code
payment service is subject to the credit limit of your added credit card.
*The payment transaction under both payment
modes is also subject to local applicable laws, regulations and regulatory
requirements.
12. Will I
be charged any fee for QR code payment transaction?
No additional charges will be imposed at this
stage for BOC Pay service. For details on credit card handling fees, please
refer to the "BOC CUP Dual Currency Credit Card Fees Schedule".
13. Will I
earn gift points when I use QR code payment service?
Yes, you can earn gift points upon spending
with QR code payment in this App.
Please refer to Instant Rewards Terms and Conditions for details.
14. Can I
still use BOC Pay if I have changed my smartphone?
Yes, you can still use this App after you have changed your smartphone. To
continue enjoy our service, you could first download this App in your new smartphone, and log in according to the procedures
instructed (fill in the valid mobile phone number recorded with BOC Credit Card
(International) Limited, authenticate by SMS OTP and enter your payment
passcode).
After login to your new smartphone, the Bank
will suspend your BOC Pay service in your old smartphone.
15. How do I
identify the merchants that support this App for QR
code payment?
You can use our BOC Pay for QR code payment in
UnionPay QR code merchants worldwide. Our BOC Pay service will be accepted in merchants with “UnionPay QR code” stickers, equipped with smart devices
that can display UnionPay QR code or equipped with
payment reader with “UnionPay QR code” symbols.
16.
How do I terminate the BOC Pay service?
To terminate your BOC Pay service, you could log in to this App and tap “Cards” at the bottom function
bar, and then remove all the added credit cards. Alternatively, you could
contact BOC Card Customer Service Hotline at (852) 2853 8828 for card removal and
service termination. You may then remove this App from your smartphone by
uninstalling it.
17. What
should I do if I forgot my payment passcode?
If you forgot your payment passcode, you could
follow the below steps to reset the payment passcode:
i.
If you
are on the login page, go to “Settings” at the bottom function bar, and then
select “Payment Setting” and choose “Forgot Payment Passcode”. If you are on
the payment page, you could directly select “Forgot Payment Passcode”;
ii.
Follow
the instructions shown on the screen and fill in related credit card
information;
iii.
Read and
accept the terms and conditions;
iv.
Verify
the cardholder’s identity by using the SMS One-Time Password issued by credit card company;
v.
Complete
the re-set by setting and confirming your payment passcode.
18. What
should I do if I have changed my mobile phone number registered with my credit
card?
If you have changed your mobile phone number
registered with your credit card, you can still make QR code payment through
this App until you logged out.
After logging out, if you want to use the QR
code payment service again through this App, you will have to use your new registered
mobile phone number to register this App and the QR code payment service again
(Please refer to FAQ A2 for registration procedures).
Your new registered mobile phone number will then
be used to receive SMS One-Time Password.
B.
Security Information
1.
Is BOC Pay service secure?
Transaction security and account security are
prime concerns of BOCHK, our Bank will have
comprehensive measures to protect our customers. Measures include but are not
limited to:
i.
BOC Pay
service can only be used after login; therefore, this App is monitored under
the Bank’s mobile application controls;
ii.
You
could process your payment only after payment passcode authentication;
iii.
The QR
code generated under the “QR Code” function will only be valid for 60 seconds.
iv.
You will
have transaction notifications through different channels and the notification
preferences would be based on the current credit card notification rules and
practices.
2.
How could I ensure the security of BOC Pay?
i.
Your QR
Code shall only be used when paying UnionPay QR code
merchants. Please do not disclose or send any information of your QR code in
any occasion or to anyone.
ii.
If you use “Scan” payment mode, please check the merchant
name and payment amount carefully. If there is any doubt, please DO NOT complete the transaction.
iii.
You
shall take all reasonable steps to keep your personal information and credit account
information safe and secure.
iv.
Please
do not disclose your mobile phone number in our Bank’s record, payment
passcode, or other BOC Pay service-related information to anyone or any company
or any third party.
v.
You are
recommended to set up firewall and install anti-virus software or mobile
security applications in your mobile device and update them regularly. In this
connection, you can visit HKCERT website for reference:
https://www.hkcert.org/mobile-security-tools.
vi.
To
protect your online transactions, we will check whether your mobile device is jailbroken or rooted and with recommended operating systems
for minimum security requirements upon using this App. You may not be allowed
to access this App via such device. Please pay attention to this reminder.
vii.
Please
download and install the latest version of this App, other applications,
operating systems and browsers regularly in the official App stores (Google
Play and App Store) or our website. Do not install this App from mistrusted
sources. If there is any mobile application of a suspicious nature, please do
not download, login and should stop operation immediately.
3.
What should I do if there are suspicious
transactions in this App?
If you discover any suspicious credit card transactions, you shall immediately call
BOC Card Customer Service Hotline at (852) 2853 8828 and contact our Customer
Service.
4.
What should I do if I lost my smartphone?
You shall immediately call BOC Card
Customer Service Hotline at (852) 2853 8828. Our Customer Service will help you
to remove all the credit cards in this App and terminate the service.
5.
Should I
change my payment passcode regularly?
Yes, you
should. For security reasons, our Bank advises you to change payment passcode
regularly.
6. Can I download BOC Pay on my smartphone if my smartphone has been jailbroken/
rooted/ installed pirated software?
Under no circumstances should you download this
App on a smartphone that has been jailbroken, rooted
or installed pirated software.