Hang Seng UnionPay Credit Card

UnionPay App overview

A new experience of payment is now available. Scan the QR code and pay by using the UnionPay App with your Hang Seng Credit Card.

It‘s safe and simple. Simply download the UnionPay App[1] from the iOS or Android app store, and add your Hang Seng UnionPay Credit Card[2]. Your card information will not be stored on the device and there’s no need to provide your card information when you pay. 

Meanwhile, you can also enjoy all the privileges from Hang Seng and the UnionPay QR code scanning payment service[3].

Learn more

Merchant Offers

Pay with Hang Seng UnionPay Credit Card via the UnionPay App at more than 40,000 merchants in Hong Kong and Macau. Apart from shopping, you can also use UnionPay QR Code to pay at designated taxi and bus. Enjoy a wide range of merchant offers prepared for you, which include[4]:  

  • Get SOGO Gift Certificate valued at HKD50 upon single net spending of HKD600 or above / SOGO Gift Certificate valued at HKD100 upon single net spending of HKD1,000 or above at SOGO Freshmart (till 20 Jul 2021)
  • Enjoy up to 48% off on designated products at Hung Fook Tong (till 31 Aug 2021)
  • Enjoy HKD10 instant discount upon single net spending of HKD40 or above at Starbucks stores in Hong Kong, exclude Hong Kong Disneyland store (till 30 Nov 2021)

For the offer details, terms and conditions, please visit the UnionPay App or UnionPay International Official Webpage[5].

Step 1

Once you have downloaded the app, you can follow the on-screen instructions to register a new UnionPay App account

Step 2

Once a new UnionPay App account has been created, follow the user instruction or Select “Card Management” and Tap on “Add card” 

Step 3

You can either manually input your credit card information, including credit card number, card expiry date and CVN2, or simply scan the card with your mobile camera. A one-time password will be sent to your registered mobile for verification. Please make sure your mobile number matches with the one you have previously registered at Hang Seng.

If this is the first time you’re using UnionPay App, you will also need to set up a “Payment PIN” for you to complete registration.

Step 4

It’s all set. You have successfully added your credit card

Step 1

Let the Cashier know you would like to pay by UnionPay QR Code and open the UnionPay App

Step 2

To make a payment, you can:

For Merchant Presented Mode merchants, Select “Scan” from the home screen to activate the scan function

or

For Consumer Presented Mode merchants, Select ”Payment Code” to generate a UnionPay QR Code

Step 3

For Merchant Presented Mode merchants, Scan the merchant’s QR Code and enter Payment PIN. 

(Note: One-time-Password will also be requested for high value merchant presented mode transactions – Larger than RMB1,000 or HKD equivalent)

or

For Consumer Presented Mode merchants, get your Payment QR Code generated on your UnionPay App scanned by the merchant 

(Note: Payment PIN will be requested for high value consumer presented mode transaction – Larger than RMB300 or HKD equivalent by default)

Step 4

Congratulation! The payment is complete

About UnionPay App

The UnionPay App offers one-stop mobile payment services to its users, such as UnionPay QR Code Payment Service. UnionPay QR Code Payment Service is accepted at over 40,000 merchants in Hong Kong and Macau as well as at merchants in mainland China and 32 overseas countries and regions.

The UnionPay App is available on iOS or Android devices running the latest operating system. In HK, customer can download UnionPay App from official Apple App Store and Google Play Store. 

To get started, you need to fulfil the following requirements:

  • Eligible mobile devices
  • The latest version of operating system on the mobile device
  • A supported Hang Seng UnionPay Credit Card*
  • Download the UnionPay App and create a UnionPay App account
  • Provision eligible Hang Seng UnionPay Credit Card on to the UnionPay App

*Please note that Hang Seng UnionPay Commercial Card / Hang Seng UnionPay Renminbi Diamond Commercial Card is not supported at the moment

The following Hang Seng UnionPay credit cards are supported for UnionPay QR Code Payment Service

  • Hang Seng UnionPay Platinum Card
  • Hang Seng Renminbi Platinum Card
  • Hang Seng UnionPay Credit Card
  • Hang Seng Renminbi Classic Card
  • Hang Seng Renminbi Gold Card

Please note that Hang Seng UnionPay Commercial Card / Hang Seng UnionPay Renminbi Diamond Commercial Card is not supported at the moment.

There is no additional cost to customers who use their Hang Seng UnionPay Credit Card with UnionPay QR Code Payment Service. However, your Hang Seng UnionPay Credit Card’s terms and conditions will apply for purchases made with UnionPay QR Code Payment Service.

You can make purchases by provisioning your Hang Seng UnionPay Credit Card in the UnionPay App, selecting the QR Code option for payment, displaying the UnionPay QR Code on the UnionPay App and getting the QR Code scanned at the time of payment to complete the transaction (Consumer Presented Mode), or you can scan the merchant’s UnionPay QR Code at the time of payment to complete the transaction (Merchant Presented Mode).

  • Consumer Presented Mode – This is where the customer will generate a dynamic UnionPay QR Code on the UnionPay App for the merchant to scan to trigger a payment transaction
  • Merchant Presented Mode – This is where the merchant will provide a static UnionPay QR Code or generate a dynamic UnionPay QR Code for the customer to scan with the UnionPay App to trigger a payment transaction

The UnionPay QR Code payment transaction is a secure way to make payments. When you add your card to the UnionPay App, your credit card information is being tokenized (Tokenization is a widely used industry standard encryption technology) and stored in a secure server. When you make a purchase, your tokenized number will be decrypted and sent to Hang Seng Bank for payment processing via a secure channel.

 

To protect your card:

  • you must not choose a device passcode that can be easily guessed by anyone else or tell anyone else what your device passcode is
  • you must ensure that you do not store anyone else's fingerprint / Face ID or other biometric ID within your mobile device
  • you must not install software or app from unknown sources or jailbreak your device

Create a UnionPay App account

You can create a new UnionPay App account in a few easy steps:

 

  1. Download UnionPay App from official appstore
  2. Open UnionPay App and tap Register on home screen
  3. Input your mobile number*
  4. Accept user agreement
  5. Enter One-Time Password
  6. Create a login password
  7. Re-enter login password for confirmation
  8. Create a gesture password (optional)
  9. Confirm if you want to enable biometric for login (optional)
  10. UnionPay App account created confirmation is shown

*Please make sure the mobile number matches with the one you have previously registered at Hang Seng, otherwise authentication will fail when provisioning Hang Seng UnionPay Card to UnionPay App

Add Credit Card to UnionPay App

You can add your Hang Seng UnionPay Credit Card in a few easy steps:

 

  1. Open UnionPay App
  2. Select Card Management on the home screen
  3. Select Add Card
  4. Input the 16 digit credit card number or use your camera to capture the card number on the front side of the credit card and tap Next
  5. *Input the CVN2 and expiry date and select Next
  6. A One-time Password (OTP) will be sent to you for authentication, input the OTP as requested
  7. If this is the first time a credit card is being provisioned on the UnionPay App account, UnionPay App will prompt user to enter a 6-digit “Payment PIN” for high-value transactions with UnionPay QR Code Payment Service
  8. Re-enter the Payment PIN
  9. Card provision successfully

*Mobile number will also be used for authentication purposes, and it is preset based on the mobile number used for creating the UnionPay App account. Please note, this number must match with the mobile number that is held with Hang Seng bank for the cardholder, otherwise the provisioning will fail.

For security purposes, UnionPay App will ask you to enter a one-time password (OTP) to confirm your identity during provisioning of Hang Seng UnionPay Credit Card. The code is a unique series of numbers that will be sent to your mobile number that previously registered with the Bank via SMS. To receive the one-time password, please make sure you can access your mobile network when you are using the service. If you are planning travel overseas, please contact your mobile network provider to activate the SMS Roaming Service on your phone.

You need to enter the one-time password within a specific time frame. Otherwise, it will expire. If you can’t receive the one-time password, please contact UnionPay Customer Service Hotline for further assistance.

 

The UnionPay App will ask you to enter a one-time password when conducting a high-value transaction in Merchant Presented Mode. 

No. After successful log in on a different device, your previously provisioned cards will appear in the UnionPay App.

You can continue to use your Hang Seng UnionPay Credit Card as you normally do after you have added it to UnionPay App.

You will receive a notification (email or letter) from Hang Seng Bank after a successful account verification performed by the bank on the credit card details you have provided during provisioning of your credit card to UnionPay App, however, you must complete the OTP authentication on UnionPay App during the add card process before your Hang Seng UnionPay Credit Card will successfully add to UnionPay App.

Make UnionPay QR Code Payment

Consumer Presented Mode

 

To pay in store that supports that supports Consumer Presented Mode, you will need to:

 

  1. Open the UnionPay App and select Payment Code on the home screen then a UnionPay QR Code will be generated
  2. The merchant will then scan the QR Code on UnionPay App
  3. UnionPay App will display a confirmation screen after successful transaction

 

If the transaction is larger than RMB300 or HKD equivalent (by default), you will need to enter the “Payment PIN” that was created when provisioning a credit card for the first time on the UnionPay App. You can also change the default value to RMB1000 or HKD equivalent

 

Merchant Presented Mode

 

To pay in store that supports Merchant Presented Mode, you just needs to:

 

  1. Open the UnionPay App and select scan on the home screen
  2. The camera function on the mobile device will activate
  3. Using the mobile device’s camera, scan the merchant’s UnionPay QR Code
  4. Enter the amount and confirm. If the amount is shown on screen already, please make sure the amount is correct
  5. After confirmation of the amount, UnionPay App will ask you to enter the “Payment PIN” that was created when provisioning a credit card for the first time on the UnionPay App to proceed with the transaction
  6. A confirmation screen will be displayed after a successful transaction

 

If the transaction is larger than RMB1000 or HKD equivalent, a one-time password (OTP) will also be sent to your bank registered mobile number and is required to be inputted in the UnionPay App to complete the transaction

Once you’ve provisioned your Hang Seng credit card, you can make payments in mainland China.

 

There are 2 types of UnionPay QR Code that merchants can accept, Hong Kong or Overseas and mainland China. If you allow UnionPay App to access your location and your GPS shows that you are located in mainland China, when you click “Payment Code”, a UnionPay QR code for mainland China merchants will be generated. If the GPS shows that you are located in Hong Kong or overseas,  a UnionPay QR code for Hong Kong or oversea merchants will be generated.

 

To allow the App to access your location, you can visit More settings –Switch to Chinese Mainland Payment / Switch to non-Chinese Mainland Payment to update the payment QR code method.

You can use UnionPay QR Code Payment Service in Hong Kong, mainland China and Overseas to pay in stores that accept UnionPay QR Code or stores that display the UnionPay App logo. 

  Per Transaction limit
Consumer Presented  (HK, Macau, Mainland China) RMB 50,000
Merchant Presented (HK)
RMB 5,000 
Merchant Presented (Mainland China)
RMB 5,000 
Merchant Presented (Macau)
MOP 5,000
  Daily Aggregate Limit 
Consumer Presented  (HK, Macau, Mainland China)

RMB 100,000

Merchant Presented (HK)
RMB 25,000
Merchant Presented (Mainland China)
RMB 5,000 
Merchant Presented (Macau)
MOP 5,000

(Note: or HKD equivalent amount)

You can make a refund by contacting the merchant directly, as you would refund any payment made via your physical card. When making a return, please ensure that you bring your receipt, the device used for the purchase and your physical card. Refund will be debited to your Credit card account at later date.

Yes. All payment transactions completed with the UnionPay App will appear with “UPI QRC” on your credit card e-Statement / e-Banking account.

Managing your Credit Card

If your Hang Seng UnionPay Credit Card is lost or stolen, please contact our 24-hour Report Lost Card Hotline at (852) 28360838 immediately to stop your credit card. We will stop your credit card immediately so that no more purchases can be made, and the digitized Hang Seng UnionPay credit card on the UnionPay App will also be permanently deactivated. When you receive your re-issued card, you will need to add the new card to UnionPay App again before making any UnionPay QR Code Payment Transactions.

If your device is lost or stolen, please contact our Customer Service Hotline to permanently deactivate your credit card. You can find the hotline number on the back of your credit card.

 

Alternatively, you can log into your UnionPay App account on another device to force log out your account.

No. It will not affect your physical card. You will still be able to use your physical card.

No. Your previously provisioned credit card can still work in UnionPay App after you activate your replacement card.

Yes. Simply open UnionPay App and select Card Management and select the card you want to remove. 

You can find more information about UnionPay App at: www.unionpayintl.com/en

Footnote

Remarks

  1. For more details on UnionPay App, please visit www.unionpayintl.com/en and go to - Products & Services > Mobile Payment.
  2. The service is available to all Hang Seng UnionPay Credit Cards, except Hang Seng UnionPay Commercial Card / Hang Seng UnionPay Renminbi Diamond Commercial Card.
  3. Payment with UnionPay App by using Hang Seng UnionPay Credit Card is NOT applicable to Cash Dollar / Merchant Dollar Redemption. Customer can only redeem Cash Dollar / Merchant Dollar by using their physical card during transactions.
  4. Each cardholder can enjoy the offer once per day.
  5. For more details on UnionPay offers, please visit www.unionpayintl.com/hk/promotion/en/upqrcode or www.unionpayintl.com/en/ select ‘Merchants & Offers’.

To borrow or not to borrow? Borrow only if you can repay!