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 following table lists the product properties supported by MPay.
Payment type | Digital wallet | ||
Funding source | Wallet balance, Bank account, Card | ||
Acquirer | AntomSG, AntomHK, AntomEU, AntomUK, AntomUS | Merchant entity location | SG, HK, EU, UK, US |
Buyer country/region | Macao, China | Refund | ✔️ |
Payment flow | Redirect/Code-scanning | Partial refund | ✔️ |
Processing currency | MOP | Chargeback/Dispute | ❌ |
Minimum payment amount | 1 MOP | Refund period | 365 days |
Maximum payment amount | Varies by MPay user account level[1] | Time to return payment result | Real-time |
Default timeout | 14 minutes | ||
[1] The limits for each level of MPay are listed in the table below. Note that the limit may change, refer to MPay for the latest updates.
Account level | Daily top-up limit | Daily transaction limit | Account balance Cap | Single payment limit | Single receipt limit | Daily transfer limit | Annual transaction & Annual transfer limits |
Level 1 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 15,000 |
Level 2 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 25,000 |
JR account | 1,000 | 1,000 | 3,000 | 1,000 | 3,000 | 1,000 | 50,000 |
Level 3A | 8,000 | 20,000 | 8,000 | 8,000 | 8,000 | 20,000 | 500,000 |
Level 3B | 20,000 | 50,000 | 20,000 | 20,000 | 20,000 | 50,000 | Unlimited |
User experience
Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.
The following graphics show the user experience of paying with MPay:
- The buyer selects MPay to pay.
- The buyer is directed to MPay's web page, where the buyer can log in to proceed with the payment.
- The buyer logs in with the phone number and password registered with MPay.
- The buyer confirms the payment and enters the payment password.
- After completing the payment, the buyer is redirected to the merchant result page.
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: