Tap & Go1 is a mobile wallet to incorporate both Mastercard® and UnionPay card schemes to support payments online and around the globe. Being the-first-of-its-kind platform, making a purchase with your mobile wallet has never been easier.
The Tap & Go wallet can be downloaded and activated on smartphones2 and is designed to pay online and offline retailers that accept Mastercard or UnionPay3.
You can take charge of your spending with the prepaid mode.
Everyone, ages 11 or above, can activate Tap & Go wallet.
1 Tap & Go Payment Service (“Tap & Go”) is subject to Terms & Conditions.
2 iOS 14 / Android 12 or above
3 Apple Pay is available for Tap & Go virtual UnionPay card.
You can download Tap & Go and pay instantly because Tap & Go offers virtual cards instead of physical cards. Top up anytime, anywhere to enjoy this seamless and secure payment experience. Add the virtual cards to your Apple Wallet4 or Google Pay4 to start shopping with your smartphone.
Now, you can explore the extra mile by settling payments in Hong Kong and China with your Tap & Go UnionPay. Enjoy instant flexible conversion between HKD and RMB to discover the best of both places, and shop till you drop!
You can swap between HKD and RMB in your Tap & Go UnionPay account.
Tap & Go customers (except Lite account tier) can use the Tap & Go app to scan UnionPay QR codes at merchants or display their own QR code on the app at merchants that support QR code for payment in Mainland China without additional procedures.
Let your Tap & Go wallet take care of all kinds of payment methods!
Tap & Go works on Apple Pay and Google Pay™. Simply add your Tap & Go virtual cards or physical cards to your Apple Wallet4 or Google Pay4 to shop securely in apps, on the web, and in designated stores5.
Tap & Go also supports QR payment function:
FPS QR code: You can pay with Tap & Go by scanning the FPS QR code presented by merchants. Like travelling to Thailand? Simply scan the FPS x PromptPay6 QR code at merchants with Tap & Go mobile wallets to make FPS payments without foreign exchange handling fee!
UnionPay QR code: Tap & Go customers (except Lite account tier) can pay with Tap & Go UnionPay scan / show feature whenever you see UnionPay QR icon or UnionPay App icon in Hong Kong, mainland China and around the world. You can also add Tap & Go UnionPay card in UnionPay App7, and shop at ease in any local, mainland China and overseas merchants with terminals supporting UnionPay QR Code.
Applicable Places:
Hong Kong
Thailand
Worldwide
Mainland China
Weixin Pay QR code: The UnionPay QR payment feature on the “Scan to Pay” function supports Weixin Pay QR codes at merchants in mainland China8.
Tap & Go can scan QR codes that are supported by UnionPay in the places below:
QR code type |
Hong Kong |
Mainland China |
Other countries/ Regions |
|---|---|---|---|
UnionPay QR codes |
Supported |
Supported |
Supported |
Weixin Pay QR codes (supported through UnionPay QR payment function on Tap & Go) |
Not supported |
Support Weixin Pay QR codes displayed by small-to-medium and large merchants in mainland China8 |
Not supported |
Aggregated QR codes that carry an UnionPay QR code or UnionPay App logo9 |
Not supported |
Supported |
Not supported |
4 Apple Pay compatible with Tap & Go's virtual Mastercard card and UnionPay card; Google Pay only compatible with Tap & Go's virtual Mastercard card.
5 Please visit Apple's or Google's websites for the lists of retailers that accept Apple Pay or Google Pay.
6 Customers using PromptPay faster payment system to pay must comply with PromptPay’s relevant terms and conditions. Under no circumstances will Tap & Go be responsible for any direct, indirect or consequential losses or damages resulting from the use of or inability to use any associated mobile application, wallet or payment tool.
7 This service is subject to the respective terms and conditions of Tap & Go and UnionPay App. Please visit UnionPay's website and UnionPay App for the list of merchants that accept UnionPay QR Code and the terms and conditions of UnionPay App.
8 UnionPay QR code payment function on Tap & Go does not currently support the scanning of Weixin Pay QR code that is linked to the merchants’ individual accounts or is displayed by online stores. Depending on the setting and decisions of the merchants and payment schemes, they may or may not accept the use of Tap & Go UnionPay Cards or the relevant QR features as a means of making payment for goods and/or service and their decisions are beyond Tap & Go’s control and responsibility.
9 You can use the UnionPay QR payment feature on “Scan to Pay” function to scan an aggregated QR code so long as it carries an UnionPay QR code or UnionPay App logo. If an aggregated QR code only carries a Weixin Pay logo but does not carry any UnionPay QR code or UnionPay App logo, the Scan to Pay function would not support such QR code.
You can transfer funds between your Tap & Go Mastercard account and Tap & Go UnionPay account.
Shopping online is such a breeze when you can purchase from a plethora of retailers accepting Mastercard and UnionPay. Simply enter your virtual card details to check out online. Tap & Go's prepaid mode gives you absolute peace of mind and control over your spending. You can switch on/off the online shopping function to secure your experience.
Tap & Go is now connected to the Faster Payment System (FPS) launched by the Hong Kong Monetary Authority. All you need is a registered mobile number or email address to enjoy a truly seamless P2P transfer experience anytime, anywhere.
Transfer easy with QR codes — now you can send money instantly by scanning your friend's FPS QR code7.
Splitting the bill has never been easier with the 'Share Bill' function in your Tap & Go wallet. Prompt your friends with a message and get paid wherever you are!
7 The corresponding bank or stored value facility mobile application has to support both the FPS QR code and P2P function, and facilitate the related arrangement.
Keep a close eye on your household expenses. Learn more about your children's spending habits to teach them the value of money early on!
Tap & Go collaborates with HKT education to introduce our mobile payment system into smart school campuses. This allows parents to pay school fees with their Tap & Go wallets, while schools can track such payments online. The streamlined process is easy-to-use and the smarter way to pay for school!
Simply download the Western Union mobile app to make transfers with Tap & Go. You can wire money to more than 200 countries, covering all major bank accounts and mobile wallets. The recipient no longer needs a local bank account to collect the wired cash, they can simply visit one of the 525,000 participating outlets for a seamless and efficient experience.
Stay on top of your expenses with Tap & Go's prepaid mode, which gives you complete control of your account. Turn on extra security features for greater peace of mind.
Shop at ease with double the security
Authorise your payment with a PIN, besides your lock screen security function.
Keep track and get on top of your spending
Get a notification for any transaction or transfer, including online transactions. Enjoy full access to your transaction history to spend smarter.
Personalised security settings
You can decide whether you want to keep functions, such as online purchase and auto top-up, on or off. Turn them on for maximum security.
State-of-the-art security
Your account and POS terminals are protected by two-factor authentication and verified cryptographic security.
Loss report
We will suspend your Tap & Go account as soon as you report your device lost or stolen. Contact us via the designated channels9 or call our international toll- free hotline for assistance.
9 Your Tap & Go account will be suspended immediately once you report your smartphone lost to HKT Payment Limited / 1O1O / csl. You don't have to call Tap & Go service hotline. If you would like to report loss of Tap & Go card, please call our service hotline (852) 2888 0000. For card replacement charges, please refer to the fee table.
