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User Guide

Banco Comercial de Macau, S.A. (“BCM” or “Bank”) offers its Customers (“Customer”) the registration and the use of BCM Digital Payment Service (“Service”) through the Bank’s collaborated third-party payment service provider(s) (“Service Provider”).

The Customer must be a valid account holder of the Bank’s designated account type (including deposit account and credit card account) (“Designated Account”) in order to be eligible to use the Service.

Digital Payment Service

3.1	“Digital Payment Service" refers to the quick digital payment solution provided by the Bank to the Customer via the Bank’s digital payment gateway, in partnering with the Bank’s designated Service Provider under legal operations in Macao SAR.
3.2	The Customer may perform registration for the Service and the Customer’s Designated Account via the platform/application provided by the Service Provider (“Payment Platform”). Subsequently, the Customer will be able to make instant payment through the Payment Platform with direct debit from the Designated Account that has been successfully registered and authorized.

Digital Payment Service Registration

4.1

To register for the Service, the Customer is required to login his/her member account of the Service Provider via the Payment Platform, and input the Designated Account number and the required personal identity factor(s) (including but not limited to customer name, mobile number, ID number, date of birth, etc. that are registered with the Bank) for Customer identity verification.

4.2

Once the Customer identity is successfully verified, the Bank’s system will automatically send a One-Time Password (“OTP”) via SMS to the Customer’s registered mobile phone number with the Bank for authentication process. Upon successful verification of the Customer identity and completion of the authentication process, the registration for the Service and the association of the Customer’s Designated Account with the Service Provider member account will be duly completed.

The Customer, upon accepting these Terms and Conditions through the internet, application or other electronic means and the OTP during the registration process for the Service, is deemed to accept all the terms and conditions of the Service and agree to bear all the relevant responsibilities arising thereof.

Digital Payment Transaction

6.1	When the Customer initiates a digital payment instruction via the Payment Platform (“Payment Request”), the Customer’s Payment Request will be redirected to the Bank from the Service Provider and the Bank will verify the Payment Request accordingly. Upon successful verification, the Bank will execute the Payment Request by debiting the Customer’s Designated Account.
6.2	All digital payment transaction to be initiated by the Customer will be subject to the relevant transaction limits prescribed by the Bank and the Service Provider from time to time under the Service. Under all circumstances, the payment amount should not exceed the maximum transaction limit prescribed by the Bank or the Service Provider. In the situation where the transaction amount exceeds the limit, the Bank reserves the rights to reject such Payment Request. In addition, the Bank and the Service Provider reserve the rights to amend the transaction limits and the required Customer identity verification factor(s) as mentioned in clause 4.1 at any time.
6.3	The Customer should ensure that the Designated Account is under normal status and has sufficient fund in the account when using the Service. The Customer is fully responsible for any financial disputes, losses and related responsibilities caused by the unsuccessful payment due to abnormal account status or insufficient account balance.
6.4	If Customer has any objections to the paid items, payment amount, merchant service quality, goods quality or distribution service during the transaction process, he/she should negotiate with the merchant directly or resolve any such issues through judicial channels. In case of refund, the relevant amount must be credited to the originating Designated Account of the Payment Request.
6.5	The Customer understands that the Bank is not liable for any failure or error in online transactions and/or data transmission, or even for any unsuccessful Service verification, registration or transactions caused by online traffic congestion or any other reasons beyond the Bank’s control.

The Customer shall take proper care of all the materials and information related to the Service, including the account name, ID type and ID number, mobile phone number, etc. (“Material and Information”) to avoid any unauthorized use by any unauthorized person or for any unauthorized purpose. In case of a potential Material and Information leakage, the Customer should immediately contact the Bank in order to temporarily suspend or permanently terminate the Service.

The Bank shall not be liable for any loss, damage or expense that may arise or suffer from the use of the Service by the Customer or any other person, or by processing or executing the Customer's instructions or requirements relating to the Service, unless any such loss, damage or expense is directly and reasonably foreseeable and is directly caused by negligence or willful default of the Bank or its officers, employees or agents.

When the Customer authorizes other persons to issue instructions or requests to the Bank regarding the use of the Service (whether the customer is an individual, a company, a corporation, a sole proprietor or in partnership or any other unincorporated organization):

9.1	The Customer should be responsible for all acts and omissions of each person authorized by the Customer;
9.2	Any instructions or requests received by the Bank and believed by the Bank in good faith to be given by the Customer or any person authorized by the Customer should be irrevocable and binding on the Customer;
9.3	It is the Customer's responsibility to ensure that each person authorized by the Customer will comply with the provisions of these Terms and Conditions that are applicable to such authorized person when acting on behalf of the Customer.

10.

The Customer must not use the Service for cashing out, fraudulent transactions, money laundering, etc., and is obliged to co-operate with the Bank to conduct relevant investigations when deemed necessary. In the situation of refusal of co-operation or any suspicious transactions considered by the Bank of conducting fraudulent transactions, money laundering, cashing out or any other illegal activities, or any violation of these Terms and Conditions, the Bank has the rights to adopt any of the following measures:

i.	Suspend or terminate the Service;
ii.	Temporarily block the relevant account; and/or
iii.	Claim all losses arising from such actions.

11.

The Bank reserves the right to block or suspend any access to the Service in those instances that the Bank, pursuant to objective reasons, deems as appropriate, for the protection of the assets of Customer.

12.

These Terms and Conditions supplement and forms part of the Bank's "Master Terms and Conditions" ("Existing Terms"). The provisions of the Existing Terms will continue to apply to the Service to the extent that they are relevant and not inconsistent with the provisions of these Terms and Conditions. Unless otherwise specified, if the provisions of these Terms and Conditions are inconsistent with the provisions of the Existing Terms with respect to the Service, the provisions of these Terms and Conditions shall prevail to the extent of such inconsistency.

13.

The Service is not targeted at customers in the European Union.

14.

The Terms and Conditions shall be binding on both of the Customer and the Bank, irrespective of whether the Customer is an individual, an association, a company, a corporation, a legal person or a successor. When the Customer shall consist of more than one person the obligations herein shall be joint and several.

15.

These Terms and Conditions and all rights, obligations and liabilities hereunder shall be construed and governed in accordance with the laws of the Macau Special Administrative Region. Any disputes shall be resolved by the court of the Macau Special Administrative Region in accordance with the prevailing laws. Both the Customer and the Bank agree that the court of the Macau Special Administrative Region shall have the exclusive jurisdiction.

16.

In case of any conflict between the English and Chinese versions of these Terms and Conditions, the Chinese version shall prevail.

1)	What type of account can be registered to Digital Payment Service?
	Customers can register their personal MOP Current Account or Savings Account whilst the account status must be valid and in good condition. Digital Payment Service is not applicable to joint account and minor account.

2)	Is there any additional handling fee for using Digital Payment Service?
	There is no handling fee for using Digital Payment Service.

3)	What kind of transaction(s) can be carried out after registering Digital Payment Service?
	The type of transaction(s) depends on each e-merchant’s platform that customers are registering to. Generally speaking, customers can directly debit from the registered bank account for payment or top up their member accounts at the e-merchant platform.

4)	Is there a transaction limit for Digital Payment Service?
	Each registered account has bank-defined designated transaction limits for usage at each e-merchant:
	Single transaction limit : MOP10,000 Daily transaction limit : MOP10,000
	Meanwhile, customers must pay attention to the transaction limit of relevant e-merchant to ensure transactions can be executed. At any circumstances that the transaction limits of the bank and e-merchant vary, the one with lower limit shall prevail.

5)	Why does it prompt that the personal information does not match when registering the account?
	Customer should ensure that the name and account information, etc. entered during the registration process are identical with the bank’s record.

6)	If customer changes the personal information registered with the bank, will it affect the use of the service?
	If customers modify the information registered at the Bank, such as name, ID card information, mobile number, etc.:
	Registered accounts are not affected, that is not need to have re-registration Non-registered accounts need to be registered on the e-merchant’s platform according to the updated personal information

7)	What should I do if there is a problem when using the e-merchant app?
	If customers encounter any problem when using their services, enquiries can be made through the following methods:
	Macau Pass Calling Macau Pass Customer Service Hotline at (853)2872 7688; For more detailed functions of MPay and common enquiries, please visit Macau Pass website.
	UePay Macao Calling UePay Macao Customer Service Hotline at (853)2822 9953; For more detailed functions of UePay and common enquiries, please visit UePay Macao website.

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