Octopus O! ePay
User Guide
1. Introduction
Octopus O! ePay (“O! ePay”) is a network-based stored value and
payment service operated and managed by us, Octopus Cards Limited
that enables an O! ePay account holder to perform person-to-person
payment with other O! ePay account holders, online payment, fund
transfer between his/her bank account and O! ePay account or fund
transfer between his/her O! ePay account and registered Octopus cards
or products anytime and anywhere via O! ePay app (“O! ePay App”)
installed on mobile devices.
2. Eligibility
To use O! ePay, you need to apply for an O! ePay account (“O! ePay
Account”). To do so, you have to be:
 12 years old or above for O! ePay Lite;
If you want to upgrade your O! ePay Lite account, you have to be:
 18 years old or above with a valid HKID for O! ePay Plus; or
 18 years old or above with a valid HKID and a bank account holder of
Standard Chartered Bank (Hong Kong) for O! ePay Pro.
You can only register for ONE O! ePay Account at any one time.
3. O! ePay App
To use O! ePay, you need to download the free O! ePay App from Google
Play Store or Apple App Store.
O! ePay App currently supports the following mobile device operating
systems:
 Apple iOS version 7 or above; or
 Android operating system 4.0 or above
4. Application
You can apply for your O! ePay Account via the following channels:
(i) Submit via O! ePay App for O! ePay Lite; or
(ii)
Through our Authorised Partners for O! ePay Pro
 Please refer to our website at www.octopus.com.hk for the list of
authorised partners.
 After submitting your application via the Authorised Partner,
please download the O! ePay App and login with your mobile
number to complete the application.
4.1. Account Upgrade to O! ePay Plus
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After you have registered for an O! ePay Lite Account, you can upgrade
to an O! ePay Plus through your O! ePay App. Simply follow the
instruction to provide the required information and copy of your HKID.
Under normal circumstance, it takes around 3 working days for us to
process your upgrade request upon receipt of all the required information
and documents.
5. Using the O! ePay
5.1. Person-to-Person Payment
You can perform person-to-person payment (“P2P Payment”) with your
friends who are also holders of O! ePay Account by adding them or
accepting their requests to add them as your “Friend(s)” on your O! ePay
Account.
5.2. Fund Transfer between O! ePay Account and Registered Octopus
You can make fund transfer between your O! ePay Account and your
registered Octopus (“Registered Octopus”) via NFC (Near Field
Communication) enabled Android mobile devices or iOS mobile devices
paired up with Octopus Mobile Reader by completing a one-time
registration of your selected Octopus via O! ePay App. Please note that
you can only register an Octopus with a 9-digit number (eight digits plus
one bracketed digit) as Registered Octopus.
5.3. Add Value to an O! ePay Account via Standard Chartered Bank
If you are a bank account holder of Standard Chartered Bank (HK)
(“SCB”), you can add value to your O! ePay Account through O! ePay
App or e-banking and mobile banking system of SCB.
5.4. Add Value to an O! ePay Account via 7-Eleven
You can add value to your O! ePay Account in one of the 7-Eleven
convenience stores in Hong Kong by presenting the QR code in your O!
ePay App and paying in cash.
5.5. Fund Transfer with Bank Service
You can make fund transfer between your bank account and O! ePay
Account by setting up a direct debit authorization through the O! ePay
App. The service is eligible for all O! ePay Plus and O! ePay Pro
Accounts.
5.6. Online Payment
You can make online purchase with your O! ePay Account for settling the
payment to online merchants or service providers
6. Managing your O! ePay Account
6.1. Transaction Record
You can review your O! ePay transaction records for the past 90 days
and up to past 12 months’ monthly statements on your O! ePay Account.
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6.2. Forget Password
Click the “Forgotten?” button on your O! ePay App and input the
registered mobile number. You will receive a confirmation email at your
registered email account. Simply follow the instruction to reset the
password.
6.3. Change of Personal Information
For any change of personal information, please contact our Octopus
Customer Service Hotline at 2266 2222.
6.4. Device Management
You can connect up to 2 mobile devices to access your O! ePay
Account, but you can only log in to your O! ePay Account on one device
at any one time. If you have lost your mobile device or it malfunctions,
you can log in to your O! ePay Account using another device, and
disconnect access to the lost/malfunctioned device through “Info and
Settings” on your O! ePay Account.
6.5. Account Cancellation
If you wish to cancel your O! ePay Account, please call our Octopus
Customer Service Hotline at 2266 2222. We will arrange refund of your
account balance to you.
7. Stored Value Limit and Transaction Limits
O! ePay Lite
O! ePay Plus
O! ePay Pro
Stored
Value
Limit*
HK$3,000
HK$10,000
HK$10,000
Daily
Transaction
Limit^
Up to HK$3,000 Up to HK$10,000 Up to HK$10,000
Annual
Transaction
Limit#
HK$25,000
HK$100,000
No Limit
* For smart tips on using stored value facilities, please refer to this link.
^ The default setting is HK$3,000, you may adjust the limit on the profile
page in your O! ePay app.
# You may check the start date of the annual transaction limit on the
profile page in your O! ePay app.
7.1. Daily Transaction Limit
Daily transaction limit is the maximum aggregated total of the following
transactions on daily basis:
 P2P payment (from your O! ePay account)
 Fund transfer to Registered Octopus
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 Online payment
 Fund transfer to bank
7.2. Annual Transaction Limit
Annual transaction limit is the maximum aggregated total of the following
transactions in a membership year:
 P2P payment (from your friends)
 Top up through 7-Eleven
 Fund transfer from Registered Octopus
 Fund transfer from bank
8. Fees and Charges
Please refer to the table below for fees and charges currently applicable
to O! ePay:
O! ePay Account Fee
Nil
P2P Payment Fee
Nil
Bank Account Fund
Transfer Fee
 If the aggregate amount of fund transfer
to bank in a calendar month is HK$5,000
or less: Nil
 If the aggregate amount of fund transfer
to bank in a calendar month exceeds
HK$5,000: 0.5% of the amount exceeding
HK$5,000
O! ePay Account
Cancellation Fee
Nil
Paper monthly
statement fee
HK$50 per print-out of monthly statement up
to 7 years
9. Terms and Conditions
For details of application and use of O! ePay, please refer to the
“Conditions of Issue of Octopus” and “Schedule of Fees and Guidelines
relating to use of Octopus”, which can be obtained from our website at
www.octopus.com.hk.
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