Tap and Pay without Hassles

FAQ

1. Q: What is “UnionPay QuickPass”?
   A: “UnionPay QuickPass” is the latest payment function of Hang Seng ATM Card (except Green Banking ATM Card).
   
   The feature is that you can tap your ATM Card (with “UnionPay QuickPass” logo) on any reader with “UnionPay QuickPass” logo and then enter your ATM Card PIN into the terminal to complete the payment instantly, without card insertion and signing, it’s quick and easy.
   
   With “UnionPay QuickPass” ATM Card, you can tap and pay at around 7 million sales points with the “UnionPay QuickPass” logo in Hong Kong and overseas including supermarkets, convenience stores, coffee shops, bookstores, cinemas and bakeries, payment is faster and more convenient.



2. Q: How to apply for a UnionPay QuickPass ATM Card?
   A: From 22 October 2016 onwards, the ATM Cards issued will be embedded with “UnionPay QuickPass” payment function when your application is done via below channels
   i. Existing customers apply for ATM Card replacement
   ii. Existing customers apply for new ATM Card due to account upgrade
   iii. The ATM Card issued due to account opening (not include account opening with instant card)
   
   From 21 November onwards, the ATM Cards issued will be embedded with “UnionPay QuickPass” payment function for all application channels.



3. Q: What is the difference between using “UnionPay QuickPass” payment function and card insertion payment function?
   A: When you use “UnionPay QuickPass” payment function, you can tap your UnionPay QuickPass ATM Card on any reader with “UnionPay QuickPass” logo and then enter your ATM Card PIN into the terminal to complete the payment instantly, without providing the card to merchant, it’s quick and easy



4. Q: What are the advantages of using “UnionPay QuickPass”?
   A: The advantages of using “UnionPay QuickPass” are as below
   
   i. Tap and Pay No Hassle of Small Change
   Simply tap your ATM Card on any reader with “UnionPay QuickPass” logo and enter your ATM Card PIN to complete the payment instantly. It’s quick and easy!
   
   ii. No Need for Currency Exchange
   No matter you are in Hong Kong or overseas, the transaction amount will be deducted directly from your HKD primary account associated with the ATM Card (the exchange rate for converting foreign currency into HKD will be based on the rate quoted by UnionPay at the transaction time), no need for currency exchange!
   
   iii. Extensive Network with All-round Convenience
   “UnionPay QuickPass” is supported by an extensive network, covering around 7 million sales points in Hong Kong and overseas, including supermarkets, convenience stores, bookstores, coffee shops, cinemas and bakeries.



5. Q: How to use “UnionPay QuickPass” to spend in HK or overseas?
   A: The system will automatically choose the relevant currency based on the location of spending. The total transaction amount will be deducted directly from the HKD primary account associated with the ATM Card, and the exchange rate for converting foreign currency into HKD will be based on the rate quoted by UnionPay at the transaction time.



6. Q: Is it necessary to activate the overseas ATM cash withdrawal limit beforehand in order to use the “UnionPay QuickPass” payment function outside Hong Kong?
   A: Not necessary. However, you are still required to activate the limit for using the overseas ATM cash withdrawal function.



7. Q: Is there any spending limit for the “UnionPay QuickPass” payment function?
   A: Spending limit for the “UnionPay QuickPass” payment function is up to HKD50,000 per day cumulatively (shared with EPS).



8. Q: Can I choose payment account when using “UnionPay QuickPass”?
   A: The total transaction amount will be deducted directly from the HKD primary account associated with the ATM Card, you cannot choose other payment account.



9. Q: What should I notice when using “UnionPay QuickPass”?
   A: You should confirm the balance in the HKD primary account associated with your ATM Card is enough for payment and please ask the merchant to accept your payment with “UnionPay QuickPass” before tapping your card.



10. Q: How to check my transaction records?
    A: Your "UnionPay QuickPass" transaction records will be listed in your monthly statement/ e-statement of the HKD primary account associated with the ATM Card. You can also view the records via Hang Seng Personal/ Business e-Banking or contact our customer service hotline.



11. Q: After using UnionPay QuickPass ATM Card, will there be any difference for my monthly statement or ATM screen?
    A: After using UnionPay QuickPass ATM Card, your monthly statement and ATM screen will be same as before no matter you have paid with “UnionPay QuickPass” payment function or not.



12. Q: Can I cancel the “UnionPay QuickPass” contactless payment function?
    A: You can cancel the “UnionPay QuickPass” contactless payment function, however all UnionPay Payment function will be cancelled entirely (including the ATM cash withdrawal function at UnionPay ATMs and the function of merchant purchase through UnionPay network). You can cancel it by calling our customer service hotline or visiting any branches of Hang Seng Bank. After cancelling all UnionPay Payment function, you cannot use UnionPay ATMs in HK or overseas (including but not limited to ATM cash withdrawal function) and cannot pay at UnionPay merchants by inserting or tapping cards. However, you can still use EPS payment function, PPS function and use ATM of HSBC and Hang Seng. Please note that service fee of HK$50 will be charged for resumption of UnionPay function.



13. Q: Is there any handling fee for using the “UnionPay QuickPass” payment function?
    A: No. Neither merchants nor the Bank will charge you any handling fee.