FAQ

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Yes. KeyChain Pay mobile APP and Web Portal are PCI-DSS certified (Payment Card Industry Data Security Standards), and data is subject to bank-level security measures. Learn More.

KeyChain Pay doesn’t store the original credit or debit card numbers that you use with us. And when you use credit or debit cards, your transaction involves (i) the authorised token in the case of Apple Pay or Google Pay, or (ii) the last 4 digits of your credit or debit card number.

Setting up is easy and can be done in as quick as 5 minutes:
⋅ Basic tenancy information
⋅ Landlord's contact number and bank account
⋅ Tenancy Agreement and stamp proof (or CR109)
⋅ Credit or debit card

Understanding who we serve for and the purpose of using KeyChain Pay is vital to detecting and deterring fraudulent use and abuse of cards as well as money laundering. Please upload the Tenancy Agreement and stamp proof.

Rent payment for Public Housing is supported on Mobile App and Web App. Monthly application is required for now.

Yes. Please manage your payment methods in our Mobile App or Web App.

Yes. Please adjust the rent amount in our Mobile App or Web App.

Yes. Please extend or terminate your Smart Contract in our Mobile App or Web App.

No. But, you may give your landlord a heads up that you will be paying via KeyChain Pay.

Our AI decides the charge date for you. The AI predicts the most appropriate charge date so to ensure rent is arrived on time. The charge date is about 5-10 days ahead of your monthly leasing effective date. We do not allow any manual set up on the charge date.

In general, your landlord will receive your rent on the leasing effective day of each month.

Our AI ensures your rent will be arrived on time. We do not allow any manual set up on both of the dates.

You may log in to our Mobile App or Web App to check the estimated or the latest deposit date.

Yes. If the landlord's email address is provided in your application, we will send an email notification to the landlord when the rent is transferred to his/her bank account. You may log in to our Mobile App or Web App to check the estimated or the latest deposit date.

When paying with us for the first time, we put a withholding of your rent with our transaction fee in your card.To make sure you have enough credits available, please settle any outstanding balance or contact your card issuer to increase your card limits before application.

Please submit your application 7-10 days before the leasing effective date to ensure sufficient time to process transactions and deposits.

You can refer to our Rewards Calculator HERE.
*The results are dependent on an online merchant simulation and displayed for reference only. You should contact your card issuer for confirmation.

You can check through your bank statement or mobile banking app, or contact the card issuer for your rewards entitlement.

Just three easy steps:

You can use up to three cards each time - feel free to split with any of your credit or debit cards to pay.

We do not support Apply Pay and Google Pay for SPLIT at the moment.

Your rewards are subject to your card issuer's terms and conditions. Please contact your card issuer for rewards entitlement.

The minimum rent amount on SPLIT for 2 cards is set at HK$10,000 or above on Smart Contract, while SPLIT for 3 cards requires a minimum of HK$20,000 or above.

Yes. You can add another payment card on your existing Smart Contract before the next charge date.

Our rates remain unchanged! We charge on a pro-rata basis, for example,

Rent: HK$20,000,
Payment cards: 3 Mastercards, Transaction fee: 2.1%, SPLIT ratio: 5:3:2,
So the transaction fee is only at a total of HK$420.

● Mastercard 1: (20,000 x 50%) x 2.1% = $210
● Mastercard 2: (20,000 x 30%) x 2.1% = $126
● Mastercard 3: (20,000 x 20%) x 2.1% = $84

Rebates are not deducted from the credit card authorization amount and are only deducted when the card is formally charged.

The rebate will be used to deduct the transaction fee when the transaction fee is higher or equal to the total amount of the rebate. The rebate will be used to deduct the transaction fee in your next payment with us.

Generally, your rent will be paid to the Housing Authority about one week after your application has been submitted and approved, or on or before the last working day of each month.

If you wish to extend your Smart Contract, please click on the Smart Contract details after logging in to the App, and then click on the "Extend Contract" button at the top of the page.

If you want to extend your Smart Contract, you do not need to re-upload the full lease document if the original lease is still valid when you extend the Smart Contract.

However, if the originally uploaded lease lapses when you extend the smart contract, you need to re-upload the complete lease document. Please submit your application 10 working days before the commencement date of the tenancy due to the time required for transaction processing and billing.

You may apply for a one-off payment for a certain period, as long as it is stated in your Tenancy Agreement or with other valid proofs. You may set up a one-month Smart Contract and input the total amount of rent for one payment.

Yes, just submit the dates you need to pay this time and we'll review it.

We are sorry that we are unable to stop the renal payment for this month only. You may only terminate the whole Smart Contract. But if you want to continue next month, you can set up rent payments again.

Please terminate your Smart Contract with the following steps:
Step 1: Select "Contract List”
Step 2: Choose the corresponding Smart Contract
Step 3: Click the address to enter the detail page of the Smart Contract
Step 4: On the top of the page, you should be able to find the (Termination) button.

Generally, we recommend using the tenant's own credit card(s), but you can still submit the application with a different card combination. The outcome of the Smart Contract application is subject to the sole decision by AI and our company.

Please open the main menu, click "Smart Contracts", select the corresponding smart contract, and then click "Payment Schedule" to view the subsequent debit date.

Please press the “Select Payment Method” or “Change Credit Card & Distribution” button in the “Payment” section and select or add the payment card(s) you would like to pay with.