Scan & Pay | DBS Hong Kong

Scan & Pay bills with a FPS QR code

At a Glance

DBS brings to you Scan & Pay, a new mobile payment feature powered by Faster Payment System (FPS)¹.Simply scan a FPS QR code and pay a merchant, friend or bill² anytime anywhere.

Faster & easier - Transfer money instantly² anytime

Free of charge - No charges for local transfers made in HKD and RMB

Higher security - Payment to be instantly confirmed by both SMS and email when done

More flexibility – Thanks to the new editable feature³, your Scan & Pay amount is no longer limited to the recipient’s pre-set amount. You can now make a partial bill payment or even pay more to tip the merchant.

Instant payment status/ submission notice displayed in the transfer confirmation screen on top of receiving an SMS and/or email confirmation

PayFast service is supported by Faster Payment System which is provided and operated by Hong Kong Interbank Clearing Limited.
Use of PayFast or related bank services supported by Faster Payment System are subject to terms and conditions. Please refer to the terms and conditions relating to Faster Payment System under the Bank Accounts and Services Terms and Conditions. You can set up to HK$10,000 daily limit via DBS iBanking or mobile banking. The limit is shared between PayFast, eLaisee and Scan & Pay.
The exact timing of crediting funds to recipient's account will be subject to the operation of recipient bank.
The availability of editable payable amount is subject to the recipient’s FPS QR code settings.

Scan & Pay for one-stop bill paymentScan & Pay applies to merchants supporting FPS QR code for bill payment. Go and check if the FPS code is included on your bill statements!

How to Scan & PayA daily limit up to HK$10,000 is shared between PayFast, eLaisee and Scan & Pay. If the transferred amount exceeds your remaining daily transfer limit for Scan & Pay, we will debit the whole transaction amount from your daily transfer limit for “non-registered payee”^* to complete the Scan & Pay transfer. This requires authentication with your Digital Token or Secure Device.^* The maximum daily transfer limit for “non-registered payee” for DBS Personal Banking customers, DBS Treasures customers and DBS Treasures Private Client / DBS Private Bank customers are HK$150,000, HK$300,000 and HK$600,000 respectively.

Activate transfer limit on mobile

Learn More

Make a FPS QR Payment

Within the transfer limit for Scan & Pay

Step 1: Select "Scan & Pay" from the homepage¹
Step 2: Scan the FPS QR code on the bills² or provided by merchants or friends
Step 3: Log in to DBS mobile banking
Step 4: Verify your transaction. Edit the amount if needed^3,4, then tap on “Submit Now” to complete

Beyond the remaining transfer limit for Scan & Pay

By setting your daily transfer limit for “non-registered payee”⁵ on DBS iBanking or mobile banking, paying higher amounts with Scan & Pay can be done with just a few more steps.
Step 5: Enter your DBS iBanking password⁶
Step 6: Let your Digital Token⁷ authenticate your transfers

¹ Alternatively, you can skip step 3 by selecting Pay & Transfer > Scan & Pay after logging in to DBS mobile banking.
² For e-bills, you can screencap the FPS QR code and select it from your album to scan
³ lf the amount is not automatically inserted, please input it manually
⁴ The availability of editable payable amount is subject to the recipient’s FPS QR code settings
⁵ To set daily transfer limit for “non-registered payee”, please click here
⁶ If this is the first high-risk transaction after the biometric login
⁷ You can activate your Digital Token immediately via DBS digibank HK. Please click here for details.

Within the transfer limit for Scan & Pay

Beyond the remaining transfer limit for Scan & Pay

Notes:

Please ensure the recipient and transfer details are correct before you submit the transaction. Once you have submitted the transaction, it cannot be cancelled. If a wrong transaction has been submitted, please download the mis-transferred fund recall request form here and return the completed form to our branches or call (852) 2290 8888 for assistance.
If you have received funds that are mis-transferred to you, you should immediately contact us at (852) 2290 8888 to arrange the return of funds. You may have criminal liability if you do not return the mis-transferred funds.
If you have not performed any PayFast/ eLaisee/ Scan & Pay transactions within the last 12 months via our online or mobile banking services, the PayFast daily limit (shared by PayFast, eLaisee and Scan & Pay) will be reset to HK$0 automatically. For details, please visit go.dbs.com/hk-limit-en.

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Frequently Asked Questions^NEW

What is Scan & Pay?

Scan & Pay is our mobile payment feature powered by Faster Payment System (FPS)^*. Simply use DBS digibank HK to scan the FPS QR code provided by a merchant or payee and you can checkout, pay bills or transfer funds faster.

^* Scan & Pay service is supported by Faster Payment System which is provided and operated by Hong Kong Interbank Clearing Limited.

Where can I use Scan & Pay?

You can use it to make purchases right at the merchants who accept FPS QR code for payment, or to pay utility or merchant bills with the FPS QR code printed on the bill statements, or to transfer funds to payees with the FPS QR code provided by them.

Generally, there should be a FPS logo within/beside the QR code supporting the FPS service. If you are not sure whether the QR code supports FPS service, please check with the payee/merchant.

How do I use Scan & Pay?

Simply activate the transfer limit , then you can start using it by tapping on the "Scan and Pay" button on the homepage of DBS digibank HK. For details, please visit

How to activate the transfer limit?
How to use Scan & Pay?

What is the maximum payment amount of Scan & Pay?

A daily limit up to HK$10,000 is shared between PayFast, eLaisee and Scan & Pay. You can set your preferred limit within HK$10,000 via DBS iBanking. If the payment amount exceeds your remaining daily transfer limit for Scan & Pay, we will debit the whole transaction amount from your daily transfer limit for “non-registered payee” to complete the Scan & Pay transfer, and it requires authentication with your Digital Token or Secure Device.

How to set up transfer limit via DBS iBanking?

I can't scan the QR code. What should I do?

Please check with the merchant/payee who provided the FPS QR code if the QR code supports the FPS service.

Is it safe to pay with Scan & Pay?

Scan & Pay transactions are authenticated with your login credentials at DBS digibank HK or biometric information. Upon completion of the transaction, you will also receive confirmation via SMS and email.

Questions related to high risk alert

If I find my recipient’s FPS proxy ID/bank account number/Stored Value Facility (SVF) account number is being flagged by the high risk alert, how can I remove it?

The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please contact them at [email protected] if you think the FPS proxy IDs/bank account numbers/SVF account numbers are not tagged correctly.
Will DBS be able to help remove my FPS proxy IDs/bank account numbers/SVF account numbers from the high risk alert?

No, DBS cannot do the deletion. The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please contact them at [email protected] if you think the proxy IDs/account numbers are not tagged correctly.
If I want to report a suspicious FPS proxy ID/bank account number/SVF account number, what should I do?

The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. If you suspect a crime case has occurred, please report to the Hong Kong Police Force at a police station or via Hong Kong Police Force e-Report Centre.
If there is no high risk alert message relating to my recipient, does it guarantee it is safe to transfer to him/her?

No, it is not guaranteed. The high risk alert message will only be shown if the recipient’s FPS proxy ID/bank account number/SVF account number is included in the scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID/bank account number/SVF account number, the proxy ID/account number will not be included in the high risk alert.

You are advised to always verify the payment details (including the recipient’s identity) of every single transaction before making payment.
Why is my recipient’s FPS proxy ID/bank account number/SVF account number previously not tagged in the high risk alert but now being tagged?

The FPS proxy IDs/bank account number/SVF account number flagged as "High Risk" in Scameter and included in the high risk alert are based on information collected from scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID/bank account number/SVF account number, the proxy ID/account number will not be included in the high risk alert.
What is the source of the high risk alert and how is my private information being protected?

The high risk alert is generated based on information collected from scam reports and recorded in the Scameter of the Hong Kong Police Force. Please visit the webpage of Scameter for more details.
Why I found my FPS proxy ID/bank account number/SVF account number on the high risk alert when doing transfer? I did not commit any crime!

According to the record provided by the Hong Kong Police Force, your FPS proxy ID/bank account number/SVF account number is related to a scam report. Please contact them at [email protected] if you think the FPS proxy ID/bank account number/SVF account number is not tagged correctly.
I discovered my recipient's mobile number/account number has been flagged in Scameter. How come DBS did not alert me when I now try to make payment to this FPS proxy ID/bank account number/SVF account number?

The high risk alert is generated based on information collected from scam reports provided by the Hong Kong Police Force and updated from time to time on a daily basis. Please check again that the recipient is trustworthy before you proceed with the transaction.
I discovered my recipient's mobile number/account number has been flagged in Scameter. How come DBS did not alert me when I previously made payment to this FPS proxy ID/bank account number/SVF account number?

The FPS proxy ID/bank account number/SVF account number flagged as "High Risk" in Scameter and included in the high risk alert are based on information collected from scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular proxy ID/account number, the proxy ID/account number will not be included in the high risk alert.

Questions on the scope of high risk alert

Why no high risk alerts are generated when I conduct online transfers to suspicious corporate bank account (the online Scameter offers search service of suspicious corporate bank accounts too)?

The scope of the high risk alert mechanism in this stage does not cover corporate bank accounts. The scope will be reviewed from time to time.

Questions on operation of high risk alert

How would I know if my recipient’s mobile number/email address/FPS Identifier/bank account number/SVF account number is flagged for high risk alert?

You can check from Scameter (cyberdefender.hk) to see if it is flagged as “High Risk”. When performing a transaction with use of FPS proxy ID (i.e. mobile number, email address, or FPS Identifier)/bank account/SVF account via DBS iBanking or DBS digibank HK app, a high risk alert message will be displayed for those FPS proxy IDs/bank accounts/SVF accounts flagged in the scam reports provided by the Hong Kong Police Force. You are advised not to make any transactions to the recipient unless you have carefully verified the recipient’s identity and ensure that the recipient is trustworthy.
If I confirm to DBS to proceed with a transfer with FPS proxy ID (i.e. mobile number/email address/FPS Identifier)/bank account/SVF account flagged as “High Risk” and subsequently realise I have been scammed, what should I do?

If you suspect you have been scammed, you may visit a police station or the Hong Kong Police Force e-Report Centre to file a report. In tandem, please report the case to our Customer Services Hotline at (852) 2290 8888.
If a recipient’s mobile number is flagged as “High Risk”, will his/her email address/FPS Identifier/bank account number/SVF account number also be flagged by the high risk alert?

The FPS proxy IDs/bank account number/SVF account number flagged as "High Risk" in Scameter and included in the high risk alert are based on information collected from scam reports provided by the Hong Kong Police Force. If there has not been any report to the Police against a particular FPS proxy ID/account number, the proxy ID/account number will not be included in the high risk alert.
Can I confirm and accept the high risk alert message and make transfer to the FPS proxy ID/bank account number/SVF account number on the high risk alert?

Yes, you can, but please be reminded that the transaction has high risk of fraud. You are advised to always verify the payment details (including the recipient’s identity) of every single transaction before making payment.