MPay
MPay, Macau's leading mobile payment method, enables users to securely link bank accounts and credit cards to its digital wallet. As the region's dominant digital wallet, it processes over 90% of Macau's population (approximately 680,000 registered users) and powers ubiquitous payment services.
Properties
The properties of the MPay payment method are shown in the following table:
Payment type | Digital wallet | ||
Funding source | Wallet balance, Bank account, Card | ||
Acquirer | AntomSG, AntomHK, AntomEU, AntomUK, AntomUS | Merchant entity location | SG, HK, EU, US, UK |
Buyer country/region | Macao, China | Refund | ✔️ |
Processing currency | MOP | Partial refund | ✔️ |
Minimum payment amount | 1 MOP | Refund period | 365 days |
Maximum payment amount | Varies by different funding source[1] | Chargeback/Dispute | ❌ |
Time to return payment result | Real-time | Revoke from wallet | ✔️ |
Auth URL expiration time | 7 days | Revoke from merchant | ✔️ |
Token expiration time | 10 years | Token refresh | ❌ |
[1] Due to Macao regulatory reasons, only small amount auto-debit is supported. When buyers choose payment method options bound to different wallets, the limits vary, usually between 1000-5000 MOP, and are subject to the return of payment results.
User experience
The following graphics show the MPay authorization process:
- The buyer selects MPay to bind.
- The buyer is redirected to the MPay page and logs in with phone number and password.
- The buyer confirms the authorization information.
- The buyer enters the payment password.
- The buyer enters the OTP.
- The buyer checks the authorization result.
- The buyer is redirected to the merchant page to check the binding result.
Supported online payment integrations
Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method: