You can receive money from any FPS registered bank account or licensed Stored Value Facilities upon successful service registration. Simply provide the payer your registered Proxy ID (mobile number or email address) and once they submit the payment via their banks, the amount will be automatically credited to your default bank account.

You can check your SC Pay(FPS) transaction via the following:

• Registered account balance via Online Banking and SC Mobile App
• ‘Transfer History’ via Online Banking
• ‘Transactions’ of ‘Pay & Transfer’ via SC Mobile App
• Bank or card statement of registered account

You can login to SC Mobile App, go to “Pay & Transfer”, then “Manage” and select “SC Pay (FPS) Registration and Settings”. In the SC Pay(FPS) Settings page, you can configure your SC Pay (FPS) settings.

No, credit card can only be used for sending money via SC Pay (FPS) but not for receiving payments.

No, as credit card can only be used for sending money via SC Pay (FPS) but not for receiving payments, you can only register SC Pay (FPS) with a valid Standard Chartered Current or Savings account.

‘Scan & Pay’ is a payment service using QR code (Quick Response Code) compatible with the Faster Payment System (“FPS”) through which you can send payments from your eligible source account to a QR Payee by simply scanning the QR Payee’s QR Code and receive payments via this service by generating a QR Code using the SC Mobile App and applications as specified by us from time to time.

‘Scan QR’ is a function that allows you to send/transfer money to friends or merchants simply by scanning a FPS QR code of your friends and merchants. You can also import your friends’ and merchants’ QR code from your device’s photo library.

‘Generate QR’ is a function that allows you to create your own FPS QR code for requesting payments from your friends by showing or sending it to your friends and requesting for the payments, with an option to specify an amount.

To send/transfer or receive payments from QR transactions, the currency of the accounts of the payor and payees must be the same.

To use ‘Scan & Pay’, you need to:

1. Be a Standard Chartered Online banking client;
2. Download SC Mobile App version 5.7.3 or above;
3. Hold an eligible HKD or CNY sole or ‘either-to-sign’ joint account (Current or Savings account); and
4. Register SC Pay (FPS) with either mobile number or email address as a proxy

The source account you have selected at “SC Pay (FPS) Registration and Settings” will be the bank account for making and receiving payments by ‘Scan & Pay’.

To change the source account of your Default Proxy:

1. Login SC Mobile App.
2. Go to “Pay & Transfer”, then “Manage” and select “SC Pay(FPS) Registration and Settings” .
3. Select the Default Proxy and enter the One-Time-Password received.
4. Change the ‘source account to transfer money via SC Pay’.

There are 2 ways you can access ‘Scan & Pay’ in SC Mobile App:

1. Login SC Mobile App, go to ‘Pay & Transfer’ and select ‘Scan & Pay’; or
2. While selecting payee in SC Pay (FPS), tap the QR icon appearing next to the payee details input field.

To be able to make FPS payment in merchant app, you will need to:

-Download SC Mobile App version 5.7.21 or above on same device as merchant app; and

-Hold an eligible HKD or CNY sole or “either-to-sign” joint account (Current or Savings); and

-Register for SC Pay (FPS)

You can use SC Mobile App to pay for any merchant apps with the FPS app-to-app payment capability built.

The merchant app may not support returning to merchant app after payment-please switch to merchant app manually.

You will receive SMS and/or email notification on the payment status. Transaction records can also be viewed in Transfer History on Online Banking or SC Mobile App.

Once merchant has received the payment, there should be confirmation on merchant app immediately. If you have any enquiry or dispute with merchant, contact the merchant directly.

Contact the merchant directly in case of any dispute or issues with your order.