FAQ Shopper Category: Bank, Card and PPS

AlipayHK currently accepts linkage with bank accounts maintained at the following banks: HSBC, Hang Seng Bank, Bank of China (Hong Kong), Standard Chartered Bank, DBS Bank (Hong Kong), The Bank of East Asia, Bank of Communications (Hong Kong), China Construction Bank (Asia), ICBC (Asia), China CITIC Bank and Nanyang Commercial Bank
Currently, only Visa and MasterCards (no issuing region restrictions) are accepted and supported for linkage. Bank of China Hong Kong (BOCHK) credit cards are only limited to those issued in Hong Kong. Supplementary cards and debit cards are not accepted and supported for linkage at the moment. Debit cards and bank account (cards) are accepted for linkage only if it supports eDDA via FPS. AlipayHK collaborates with many of the major banks in Hong Kong. Please check your AlipayHK App for details.
There are two methods: 1. Tap the menu button at the top left corner on the mainpage, then tap "Bank Account / Credit Card", and select "Add" at the top right corner and follow instructions as prompted; 2. Choose to keep card record for future usage after paying with a card in the app
Each account can link up to 25 credit cards or bank cards, and each account can link up to 5 credit cards.
  1. Payment：Effective from 1 September 2023, users who pay with a credit card (Visa/MasterCard) via AlipayHK at merchant outlets or online merchants will be subject to transaction fee waiver limits. Please note the following: The monthly handling fee waiver limit is HKD 3,000. If this limit is exceeded, a handling fee of 2.5% will be charged for credit card transactions (Visa/MasterCard). The handling fee will be waived for transactions made using account balance, bank account, Ant Bank Libra Savings, Ant Bank PayLater (One-Off Instalment), BOC Credit Card, Hang Seng Credit Card or Standard Chartered Q Credit Card. This charge will apply to merchants in Hong Kong and overseas, but will not be applied to auto-debit services. Bill payments, transfers, and Taobao handling fees will remain unchanged.
  2. Monthly handling fee waiver limit for making transfers and sending lucky money is subject to the account verification levels: HKD 500 for unverified accounts; HKD 1,000 for intermediate accounts; and HKD 1,000 for verified accounts. If the fee waiver limit is exceeded, the handling fee of BOC credit card or Hang Seng Credit Card (Visa/MasterCard) or Standard Chartered Q Credit Card is 1.5%; effective from 1 September 2023, the handling fee of the other credit cards will be adjusted to 4%. Credit card handling fee waiver limit for making transfers and sending lucky money will be calculated together.
  3. Taobao: No handling fee will be charged for Ant Bank Libra Saving, Ant Bank PayLater, BOC Taobao World Master Card, first 5 Taobao transaction of Q Credit Card. The handling fee for BOC credit cards and Hang Seng credit cards is 1.3% per transaction (the handling fee for BOC credit cards will be temporarily adjusted to 1.2% and the promotion period will be notified later). The handling fee for other credit cards is 1.5% per transaction, while the handling fee for payment via account balance and bank account is 1% per transaction.
  4. For electricity bills, town gas bills, liquefied petroleum gas bills, property management bills, school fees, and rentals (applicable to rental estates under HKHS), a 2.5% handling fee will be charged on the amount settled using a Credit Card (Visa/MasterCard). The handling fee for payments via Hang Seng Credit Card (Visa/MasterCard) is 1.5% of each transaction for a limited time. Starting from 20 November 2023, the handling fee for government bill payments (including tax bills, water charges, rates, and government rent, etc.) via Credit Card (BOC Credit Card, Hang Seng Credit Card, Standard Chartered, or other Credit Card Visa/MasterCard) will also be adjusted to 1.5% of each transaction. No handling fee will be charged for other bill payments. This charge will not be applied to the autopay service and is only applicable to one-time payments.

* Updated on 20 November 2023

To delete a linked credit card, tap the menu button at top left corner on mainpage, select "Credit Card", elect card from the list - tap "Unlink" at the bottom to delete linked card.
Sorry. Once the redemption is completed, it can't be cancelled.
Once the redemption is completed, if the page displays "Redemption Successful", the relevant redemption will be credited to the account within 5 minutes; if it displays "Processing", the redemption will be credited within 2 hours.
Here are the following restrictions: 1. Each account can only authorize one credit card for redemption. If you need to choose another credit card, please unlink the original credit card first; 2. Redeem at least HKD 100 gift certificate each time; and 3. Redeem up to a total of HKD 1,000 per day; and 4. Redeem up to 10 coupons of the same type each time.
Tap the menu button at the top left corner of the homepage, tap "Credit card points", and follow the instructions on the page to link your credit card or redeem points.
The amount will be refunded to your bank account linked with PPS account in around 1-3 working days. In case there is a system problem which prevents us from refunding the amount to such bank account, the funds will be refunded to your AlipayHK Balance.
The linked PPS account in AlipayHK is only valid for 12 months. Please tap "Update" in the top right corner and follow the instructions to link a PPS account again.
Tap main menu at the left corner - "PPS' - "Edit" - Tap the red cross mark at the right corner - "Remove linking"
There is a 1.5% handling fee when users use PPS in AlipayHK to settle for the payments.
The linked PPS account in AlipayHK is only valid for 12 months, please relink upon expiry.
Please add PPS account into AlipayHK - After log into AlipayHK, tap main menu at the left corner -"PPS"- "Login pps website to link account", input ppshk.com in the browser . After login pps account, follow the page instruction to conduct the linking. Payment in TMall and Taobao: After choosing the items, tap "Payment method" at "order confirmation" - Select PPS for the payment method - and choose PPS in the payment method list, After confirming the payment, you will receive a 6-digit one-time password to your PPS registered mobile number - Input one-time password and complete the payment
1. Each PPS account can only be linked to one AlipayHK account. If more than one accounts are linked, only the account last linked will be supported. 2. A linked PPS account can only be used for payment and not balance top-up. 3. Not applicable to auto debit service. 4. Applicable to purchase general products in TaoBao and Tmall, not applicable to purchase products in Tmall.hk, virtual transactions, pre-sales transactions and second-hand transactions.
The minimum transaction amount is equivalent to RMB 1; Daily payment limit is HKD 8,000
There may be some delay for transactions due to the system being busy. Users can check the transaction status after 30 minutes. If the status remains the same after 30 minutes, the funds will be refunded to your bank account linked with your PPS account within 1-3 working days.
Unfortunately, once a MoneyBack account has been bound, the system does not allow for a further change or the unbinding of MoneyBack account at the moment. We are working hard to improve on this. Sorry for the inconvenience it may cause and thank you for understanding.
Go to the application centre in the middle of the homepage before payment and tap "more", find "MoneyBack" (Shortcut recommendation: Tap "Homepage Apps", tap"edit", drag "MoneyBack" to the home application), show the QR code for collecting points, and proceed to make a payment.
Every AlipayHK account can only be bound with one MoneyBack card. The system is unable to edit an existing binding once it is processed, so please do take note in the process.
Go to the application centre in the middle of the homepage before payment and tap "more", find "MoneyBack", tap "Link with MoneyBack", and then follow the instructions to register.
AlipayHK currently accepts linkage with bank accounts maintained at the following banks: HSBC, Hang Seng Bank, Bank of China (Hong Kong), Standard Chartered Bank, DBS Bank (Hong Kong), The Bank of East Asia, Bank of Communications (Hong Kong), China Construction Bank (Asia), ICBC (Asia), China CITIC Bank and Nanyang Commercial Bank
Currently, only Visa and MasterCards (no issuing region restrictions) are accepted and supported for linkage. Bank of China Hong Kong (BOCHK) credit cards are only limited to those issued in Hong Kong. Supplementary cards and debit cards are not accepted and supported for linkage at the moment. Debit cards and bank account (cards) are accepted for linkage only if it supports eDDA via FPS. AlipayHK collaborates with many of the major banks in Hong Kong. Please check your AlipayHK App for details.
There are two methods: 1. Tap the menu button at the top left corner on the mainpage, then tap "Bank Account / Credit Card", and select "Add" at the top right corner and follow instructions as prompted; 2. Choose to keep card record for future usage after paying with a card in the app
Each account can link up to 25 credit cards or bank cards, and each account can link up to 5 credit cards.
  1. Payment：Effective from 1 September 2023, users who pay with a credit card (Visa/MasterCard) via AlipayHK at merchant outlets or online merchants will be subject to transaction fee waiver limits. Please note the following: The monthly handling fee waiver limit is HKD 3,000. If this limit is exceeded, a handling fee of 2.5% will be charged for credit card transactions (Visa/MasterCard). The handling fee will be waived for transactions made using account balance, bank account, Ant Bank Libra Savings, Ant Bank PayLater (One-Off Instalment), BOC Credit Card, Hang Seng Credit Card or Standard Chartered Q Credit Card. This charge will apply to merchants in Hong Kong and overseas, but will not be applied to auto-debit services. Bill payments, transfers, and Taobao handling fees will remain unchanged.
  2. Monthly handling fee waiver limit for making transfers and sending lucky money is subject to the account verification levels: HKD 500 for unverified accounts; HKD 1,000 for intermediate accounts; and HKD 1,000 for verified accounts. If the fee waiver limit is exceeded, the handling fee of BOC credit card or Hang Seng Credit Card (Visa/MasterCard) or Standard Chartered Q Credit Card is 1.5%; effective from 1 September 2023, the handling fee of the other credit cards will be adjusted to 4%. Credit card handling fee waiver limit for making transfers and sending lucky money will be calculated together.
  3. Taobao: No handling fee will be charged for Ant Bank Libra Saving, Ant Bank PayLater, BOC Taobao World Master Card, first 5 Taobao transaction of Q Credit Card. The handling fee for BOC credit cards and Hang Seng credit cards is 1.3% per transaction (the handling fee for BOC credit cards will be temporarily adjusted to 1.2% and the promotion period will be notified later). The handling fee for other credit cards is 1.5% per transaction, while the handling fee for payment via account balance and bank account is 1% per transaction.
  4. For electricity bills, town gas bills, liquefied petroleum gas bills, property management bills, school fees, and rentals (applicable to rental estates under HKHS), a 2.5% handling fee will be charged on the amount settled using a Credit Card (Visa/MasterCard). The handling fee for payments via Hang Seng Credit Card (Visa/MasterCard) is 1.5% of each transaction for a limited time. Starting from 20 November 2023, the handling fee for government bill payments (including tax bills, water charges, rates, and government rent, etc.) via Credit Card (BOC Credit Card, Hang Seng Credit Card, Standard Chartered, or other Credit Card Visa/MasterCard) will also be adjusted to 1.5% of each transaction. No handling fee will be charged for other bill payments. This charge will not be applied to the autopay service and is only applicable to one-time payments.

* Updated on 20 November 2023

To delete a linked credit card, tap the menu button at top left corner on mainpage, select "Credit Card", elect card from the list - tap "Unlink" at the bottom to delete linked card.
Sorry. Once the redemption is completed, it can't be cancelled.
Once the redemption is completed, if the page displays "Redemption Successful", the relevant redemption will be credited to the account within 5 minutes; if it displays "Processing", the redemption will be credited within 2 hours.
Here are the following restrictions: 1. Each account can only authorize one credit card for redemption. If you need to choose another credit card, please unlink the original credit card first; 2. Redeem at least HKD 100 gift certificate each time; and 3. Redeem up to a total of HKD 1,000 per day; and 4. Redeem up to 10 coupons of the same type each time.
Tap the menu button at the top left corner of the homepage, tap "Credit card points", and follow the instructions on the page to link your credit card or redeem points.
The amount will be refunded to your bank account linked with PPS account in around 1-3 working days. In case there is a system problem which prevents us from refunding the amount to such bank account, the funds will be refunded to your AlipayHK Balance.
The linked PPS account in AlipayHK is only valid for 12 months. Please tap "Update" in the top right corner and follow the instructions to link a PPS account again.
Tap main menu at the left corner - "PPS' - "Edit" - Tap the red cross mark at the right corner - "Remove linking"
There is a 1.5% handling fee when users use PPS in AlipayHK to settle for the payments.
The linked PPS account in AlipayHK is only valid for 12 months, please relink upon expiry.
Please add PPS account into AlipayHK - After log into AlipayHK, tap main menu at the left corner -"PPS"- "Login pps website to link account", input ppshk.com in the browser . After login pps account, follow the page instruction to conduct the linking. Payment in TMall and Taobao: After choosing the items, tap "Payment method" at "order confirmation" - Select PPS for the payment method - and choose PPS in the payment method list, After confirming the payment, you will receive a 6-digit one-time password to your PPS registered mobile number - Input one-time password and complete the payment
1. Each PPS account can only be linked to one AlipayHK account. If more than one accounts are linked, only the account last linked will be supported. 2. A linked PPS account can only be used for payment and not balance top-up. 3. Not applicable to auto debit service. 4. Applicable to purchase general products in TaoBao and Tmall, not applicable to purchase products in Tmall.hk, virtual transactions, pre-sales transactions and second-hand transactions.
The minimum transaction amount is equivalent to RMB 1; Daily payment limit is HKD 8,000
There may be some delay for transactions due to the system being busy. Users can check the transaction status after 30 minutes. If the status remains the same after 30 minutes, the funds will be refunded to your bank account linked with your PPS account within 1-3 working days.
Unfortunately, once a MoneyBack account has been bound, the system does not allow for a further change or the unbinding of MoneyBack account at the moment. We are working hard to improve on this. Sorry for the inconvenience it may cause and thank you for understanding.
Go to the application centre in the middle of the homepage before payment and tap "more", find "MoneyBack" (Shortcut recommendation: Tap "Homepage Apps", tap"edit", drag "MoneyBack" to the home application), show the QR code for collecting points, and proceed to make a payment.
Every AlipayHK account can only be bound with one MoneyBack card. The system is unable to edit an existing binding once it is processed, so please do take note in the process.
Go to the application centre in the middle of the homepage before payment and tap "more", find "MoneyBack", tap "Link with MoneyBack", and then follow the instructions to register.