Octopus is a unified payment method that combines a digital wallet and prepaid card, available in both physical card and mobile application to support diverse payment scenarios. Octopus has been used by an estimated 98% of Hong Kong consumers and has also established itself as a top provider of digital wallet services. Its app has approximately 6 million downloads, with about 4.7 million wallet users, 2 million mobile users, and 20 million physical cards, showing extensive user coverage and strong offline payment capabilities.

Properties

The following table lists the product properties supported by Octopus:

[1] Users using a virtual or physical card must manually claim the refunded funds after initiating a refund. Otherwise, the fund will be automatically returned to the merchant's account, and the user will receive a corresponding notification.

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 Octopus:

Web

Virtual card

Wallet

Physical card

1. The buyer selects Octopus to pay.
2. The buyer is redirected to the QR code page.
3. The buyer opens the Octopus app to scan the code.
4. The buyer selects a payment method to complete the payment (if the physical card is selected to pay, use the NFC function to read the physical card for payment).
5. The buyer confirms the payment result.
6. The buyer is redirected to the merchant result page.

WAP

Virtual card

Wallet

Physical card

1. The buyer selects Octopus to pay.
2. The buyer is redirected to the Octopus Online Payment Service page to proceed with the payment.
3. The buyer selects a payment method to complete the payment (if the physical card is selected to pay, use the NFC function to read the physical card for payment).
4. The buyer confirms the payment result.
5. The buyer is redirected to the merchant result page.

App

Virtual card

Wallet

Physical card

1. The buyer selects Octopus to pay.
2. The buyer is redirected to the Octopus app and selects a payment method to complete the payment (if the physical card is selected to pay, use the NFC function to read the physical card for payment).
3. The buyer confirms the payment result.
4. 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: