mPay Limited Overview: a Practical, Hong Kong-Ready Payments Partner for Merchants

mPay Limited is a Hong Kong payment services provider focused on helping local merchants accept cards and popular domestic e-wallets across online, in-store, and kiosk channels. The company offers a one-stop stack that covers hosted checkout, API integrations, mobile SDKs, POS devices, SoftPOS on Android, and a self-service kiosk solution. For merchants, this means simpler setup, support for the payment methods customers already use, and a single platform to track transactions and reporting.

Company Snapshot

mPay Limited started operating its online payment gateway in June 2006 and is wholly owned by MobileTech Limited. Over the years, mPay has added scheme and wallet capabilities and reached several milestones, including becoming a Payment Facilitator for Visa and Mastercard in December 2022. It was appointed by UnionPay International as a Third Party Service Provider in December 2016 and recognized by Apple as an Authorized Business Solution Provider the same year. These milestones underline mPay’s role in connecting Hong Kong merchants to major card brands and local payment rails.

Payment Methods Your Customers Already Use

mPay Limited supports a broad mix of cards and wallets so you can meet local expectations without juggling multiple providers. Supported options highlighted on the site include Visa, Mastercard, American Express, UnionPay, Octopus, BoC Pay, FPS, PPS, Alipay, AlipayHK, WeChat Pay, WeChat Pay HK, Google Pay, Apple Pay, and UnionPay App. This coverage helps you capture sales from residents and visitors who prefer app-based or transport-linked payments.

Channels and Solutions

Online payments

You can integrate in the way that suits your team and timeline. mPay provides a hosted payments page for the fastest setup, a fully API-based flow for custom checkout experiences, mobile SDKs for iOS and Android, and connectors for popular ecommerce platforms. If you need subscriptions, the platform also supports recurring payments for memberships, donations, and regular billing.

In-store POS

For physical stores, mPay offers smart POS solutions that accept QR and NFC payments, with devices certified by Octopus Limited. Merchants can connect multiple terminals to a single platform, monitor device status and transactions, access real-time sales analytics, issue refunds easily, and extend acceptance to additional local methods through API. The in-store offer also notes support for Atome, giving customers a flexible way to split purchases.

SoftPOS on Android

If you prefer a hardware-light approach, mPay SoftPOS turns a compatible Android phone into a payment acceptance device for QR payments such as Alipay, AlipayHK, WeChat Pay, WeChat Pay HK, and UnionPay QR. There is no additional hardware, no setup fee, and no annual fee quoted on the feature page. Sales and reports are managed in the SHOP2GO mPOS merchant portal.

Self-service kiosks

For retail, restaurants, rentals, and healthcare scenarios, mPay’s self-service kiosk supports facial recognition, QR, contactless or NFC, and smart card payments. The goal is to shorten lines and let customers self-serve while keeping payments integrated with your operations.

Invoicing and Pay-By-Link with SHOP2GO Bill Anywhere

Beyond checkout, mPay Limited provides an invoicing tool designed to speed up collections. You can create and send professional invoices, track paid and unpaid bills in real time, and let customers pay in a click through channels such as email, SMS, or instant messengers. Payment reporting helps you follow up efficiently. This is useful for services, B2B, and any workflow where you want to reduce manual reconciliation.

Buy Now, Pay Later options

mPay highlights two installment experiences that can widen your addressable audience. Online, livi PayLater enables customers to split purchases into three interest-free installments while you receive the full amount minus fees. For online and in-store, mPay also partners with Atome so shoppers can select BNPL during checkout or scan a QR code at the counter. In both cases, the intent is to increase conversion and average order value without adding operational complexity.

Security and Compliance

mPay states it is fully certified for PCI DSS Level 1, the highest level of card-data security requirements for service providers. For transit and storage, the company notes SSL encryption between merchant websites, mPay’s servers, and upstream payment gateways and banks, with a seven-year retention period for transaction data in line with common Hong Kong financial sector practices. These controls help reduce card-present and card-not-present fraud risk and support your own PCI validation path.

Onboarding at a Glance

The application flow is simple: create an account, apply for a testing account and complete integration, then apply for a live account and start accepting payments. This staged process lets developers finalize integrations before you switch on production.

Support and Contact Details

mPay Limited lists a Hong Kong office address at Unit 1101, 11/F, Millennium City 3, 370 Kwun Tong Road, Kowloon, with sales and technical support contacts published, including phone numbers and email addresses. Clear contacts matter when you need quick assistance during setup or peak trading.

Who mPay Limited Suits Best

Merchants who sell to Hong Kong consumers, whether online or in person, will benefit most from mPay Limited’s coverage of local payment methods and omnichannel options. If you run a retail shop, café, clinic, or service business and want to start with QR and expand to cards or kiosks later, the SoftPOS and smart POS routes reduce upfront hardware commitments. If your model relies on subscriptions, memberships, or invoicing, recurring payments and SHOP2GO Bill Anywhere can help stabilize cash flow and collect faster. For teams that want a single vendor for online and in-store, the unified platform and analytics simplify reconciliation and day-to-day operations.