Hang Seng UnionPay Credit Card

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 are 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 are 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

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

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.

Yes.

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.

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. 

(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.

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.

Yes. You will need to provision the new credit card in UnionPay App.

No. If you receive a new card with the same card number, your Device Account Number is connected to your replacement card with the same number automatically. After you activate your replacement card, you can use your Card in UnionPay App to make transactions when you receive your new Hang Seng Credit 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