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4. Can I select the receiving account of the payee?

No. If you send the red packet(s) with "BoC Pay " as the transfer method, the funds will be credited to the Smart / Payment Account that the payee(s) has / have bound. If you send the red packet(s) with "FPS" as the transfer method, the funds will be credited to the default FPS receiving account that the payee(s) has / have preset.

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BoC Pay is accepted by merchants with the label shown below.
Reminder: To borrow or not to borrow? Borrow only if you can repay!