BEA i-Pay Frequently Asked Questions

i-Pay is a mobile payment service that uses Near Field Communication (NFC) technology to allow designated BEA MasterCard cardholders to make payments using their phones. After installing the i-Pay App, plugging the i-Pay device into your phone’s headphone jack, and setting up your i-Pay account, you can make transactions of up to HK$1,000⁺ by simply tapping your phone on a MasterCard^® PayPass^TM reader.

⁺ The limit for MasterCard^® PayPass^TM transactions varies among merchants. Please check with the merchant directly.

The i-Pay App is a mobile application that must be installed on your phone before you can use the i-Pay service.

Using the i-Pay App, you can:

• Make payments
• Check your account information
• Check details of the last 10 transactions you’ve sent
• Change the settings:
  • Change language
  • Enable/disable passcode function
  • Change passcode
  • Set the “auto log-off” time

The i-Pay App is free of charge. However, your mobile network operator may charge you a mobile data usage fee for downloading the i-Pay App. For details, please ask your mobile network operator.

At the time of the initial launch, i-Pay supports the following phones:

• HTC Butterfly S
• HTC One max      
• HTC One (M7)        
• LG Pro 2      
• Samsung Galaxy Note2
• Samsung Galaxy Note2 LTE
• Samsung Galaxy Note3 LTE
• Samsung Galaxy S3
• Samsung Galaxy S4
• Samsung Galaxy S4 LTE
• Sony Xperia ^TM Z  

The list of supporting phones will be updated shortly. Details will be announced on the BEA website.

You can apply with BEA i-Titanium Card at the initial launch.  

i-Pay collection letter will be sent to your correspondence address. Present this letter to collect your i-Pay device at the designated BEA branch within 30 calendar days from the issue date of the letter.

Once you have received your i-Pay device, please take the following steps:

Step 1: Download the BEA i-Pay App from Google Play^#

Step 2: Plug the i-Pay device into the headphone jack of your phone and launch the i-Pay App

Step 3: Set your i-Pay passcode (you only need to do this the first time you use the service)

Step 4: Enter the Card Information Number and Confirmation Code to add your i-Pay account to the device (please have your i-Pay welcome letter ready during the set up.)

Step 5: Activate your i-Pay account by calling the BEA Credit Card Activation Hotline on (852) 3608 6603

^# i-Pay is currently avaiable for Andriod phones. An iPhone version will launch in 2015. Details will be announced on the BEA website.

First, try exiting the i-Pay App and re-opening it, and make sure you follow the onscreen instructions and enter the correct information. If the problem persists, please call our Customer Services Hotline on (852) 3608 6628.

Exit the i-Pay App, re-open it, then follow the onscreen instructions. Make sure your internet connection has resumed.

Yes. Simply return your i-Pay device to any BEA branch.

Yes. i-Pay can be used with any eligible phone which has the i-Pay App installed. If you have already set your passcode, you can use the same passcode to access your i-Pay account on any phone through the i-Pay App. However, you can only have 1 valid i-Pay device.

No. Each i-Pay device can be used by the registered cardholder only.

Yes. You cannot access your i-Pay account or make payments via the i-Pay App if the i-Pay device is not plugged in to your phone.

Yes, please make sure the i-Pay device is plugged in to your phone and that no other devices are connected (e.g. headphones) before launching the i-Pay App.

No internet connection is needed to make payments via i-Pay, or to view your account info and transaction history. However, an internet connection is required to set up your i-Pay account and read the FAQ via the i-Pay App.

The transaction history will show the 10 most recent successful transactions sent using i-Pay. Please refer to your credit card statement for a complete history of transactions.

Yes. You can use it immediately, and your passcode will remain the same.

Yes. For security reasons, you will be logged out of the i-Pay App if you leave it idle for 30 minutes. You can change the auto log-off time in the Settings menu.

Your i-Pay account has the same credit limit as the related BEA MasterCard. You can check the credit limit of your BEA MasterCard on your statement or via Cyberbanking.

The limit for a single transaction is HK$1,000⁺. There is no limit on the daily transaction amount as long as your related BEA MasterCard has available credit limit. You should pay for transactions over HK$1,000⁺ with your BEA MasterCard.

⁺ The limit for MasterCard^® PayPass^TM transactions varies among merchants. Please check with the merchant directly.

No. Transactions made via i-Pay do not require a signature.

No additional fees and charges will be incurred for transactions sent via i-Pay.

No. i-Pay can only be used to pay for retail transactions at merchant outlets that accept MasterCard^® PayPass^TM via the reader.

Yes. You can use i-Pay at overseas merchants that accept MasterCard^® PayPass^TM.

All transactions made via i-Pay will be shown on the statement of your related BEA MasterCard.

Yes. You need to plug in the i-Pay device to your phone and open the i-Pay App to complete transactions.

After pressing the “Pay” button, a countdown message will be shown. You have to tap your phone and i-Pay device on the MasterCard^® Paypass^TM reader within 30 seconds. After the transaction instruction is sent, a message will appear. Please check with the merchant and refer to the sales slip provided.

You should check with the merchant. If the transaction is not completed, re-open the i-Pay App and try again.

Please check with the merchant. As long as the transaction isn’t complete and the 30-second countdown hasn’t finished, you can press the “Cancel” button to stop the payment process.

The payment function will close after the 30-second countdown has finished. Press the “Pay” button again if you want to complete the payment.

Please make sure you have called the BEA Credit Card Activation Hotline and successfully activated your i-Pay account. If the problem persists, please call our Customer Services Hotline on (852) 3608 6628.

Transactions will be completed only if the following 2 conditions are fulfilled at the same time:

• merchant has initiated the payment function at the payment terminal; and
• you have initiated the payment function in the i-Pay App

If you have any doubts over a transaction, you should report this immediately by calling our Customer Services Hotline on (852) 3608 6628.

When using i-Pay for the first time:

• You will be asked to create an i-Pay passcode

On subsequent uses:

• You will be asked to enter your passcode when you open the i-Pay App if the passcode function is enabled*
• You will also need to enter your passcode:  
  • to change the passcode
  • to check your account information if the passcode function is enabled*

*Passcode function can be disabled in the Settings menu

You will be asked to enter your passcode whenever you use i-Pay with a new phone, even if you have disabled the passcode function

You can change the passcode in the Settings menu of the i-Pay App.

Call our Customer Services Hotline on (852) 3608 6628 to reset your passcode.

The following steps are required for activation to ensure a secure process:

• A confirmation code will be given to you when you collect your i-Pay device at a BEA branch. You must enter this code to set up your i-Pay account.
• You must also call BEA Credit Card Activation Hotline on (852) 3608 6603 to verify your personal data and activate your i-Pay account.

If these steps are not completed, no payment can be made via i-Pay.

• Enable the passcode function and never use your HKID no., phone no., date of birth, popular number sequence (such as 1234), or your phone unlock passcode as your passcode
• Do not permit others to use your i-Pay device or i-Pay App
• Protect your phone and i-Pay device and always keep them with you

If you have also lost the i-Pay device, please call our Customer Services Hotline on (852) 3608 6628 to report lost immediately. A new i-Pay device will be issued, subject to a replacement fee. Please refer to the Schedule of Fees & Charges on BEA Credit Card Services.

The i-Pay service is not restricted to a specific phone number or mobile network operator. You can continue to use the service via the i-Pay App even if you change your phone number and/or mobile network operator. If you have previously set a passcode, the same passcode will be used to access the i-Pay App installed in another phone.

Yes. You can terminate your i-Pay by returning the i-Pay device to any BEA branch. After termination, you must re-apply for the service to resume use.

No. When your BEA MasterCard is cancelled, your i-Pay account will at the same time be terminated.

No. You can still use i-Pay to make payments. However, you must report the loss of your BEA MasterCard by calling our Customer Service Hotline on (852) 3608 6628 immediately.