New Window - PPS by Internet

What is PPS

Q:	What is PPS?
A:	PPS is a 24-hour bill payment service which allows you to settle a wide range of bills simply by a tone phone or Internet anytime, anywhere, absolutely free of charge. PPS is jointly provided by EPS Company (Hong Kong) Limited and PCCW's subsidiary Hong Kong Telecommunications (HKT) Limited.View DEMO - PPS at a glance

Q:	Who can use PPS?
A:	Holder of an ATM card or credit card with ATM function can set up a PPS Account.

Q:	Is there any handling charge for using PPS?
A:	No, it is absolutely free of charge.

Q:	What is the cut-off time for PPS payment transaction ?
A:	Cut-off time for PPS payment transaction is 7:00p.m. from Monday to Friday except public holidays (Hong Kong Time). Transaction made beyond the cut-off time will be processed on the next working day. Merchant may vary the fund availability of your PPS payment, please refer to the merchant's bill statement or contact the merchant for details.

Q:	How can I access PPS to make a transaction?
A:	After setting up a PPS Account Number,a PPS Phone Password and a PPS Internet Password at the PPS Registration Terminal, you can access PPS by the following channels. By Internet - visit PPS web site at www.ppshk.com. View DEMO - How to use PPS by Internet By Phone - dial 18011 (18013 Cantonese) to register bill and then dial 18031 (18033 Cantonese) to make a payment.View DEMO - How to use PPS by Phone By Fixed Line SMS Phone - press "Info" and select "PPS". Customers must have a PPS Phone Password. Only available to PCCW New Generation Fixed Line customers. By PCCW eye Fixed Line Service - press "Menu" button and select "PPS". Customers must have a PPS Internet Password.
Q:	Can I select same set of password for using PPS by Internet and PPS by Phone?
A:	PPS by Internet requires an 8-digit Internet Password whereas PPS by Phone needs a 5-digit Phone Password. Please note that when you register for the PPS service at the PPS Registration Terminal, you must first set up a PPS Phone Password before choosing a PPS Internet Password.

Q:	Can I use PPS outside Hong Kong?
A:	As long as you have a valid PPS Account holder and have access to IDD or Internet, you can access PPS by a tone phone or Internet wherever you are.

How to get started?

What should I do if I want to use PPS?

You have to set up a PPS Account with an ATM card or a credit card with ATM function at any PPS registration terminal. You shall choose a 5-digit PPS Phone Password and/or an 8-digit PPS Internet Password. Then, by registering your bills once by phone or Internet, you can enjoy the convenience of PPS right away. View DEMO - PPS at a glance

Where to open PPS Account?

PPS Registration Terminal is located throughout Hong Kong. Please CLICK HERE to find the one nearest to you.

Can I pay bill at the PPS Registration Terminal?

Sorry, the PPS Registration Terminal does not process payment transaction. It enables you to:

Open/ Update Account
Setup/ Change Mobile No.
Setup/ Change Password
Enquire Account
Close Account

How to open a PPS Account?

Please bring your ATM card or a credit card with ATM function to a nearby PPS Registration Terminal to set up a PPS Account. View DEMO - How to open a PPS Account or read simple steps as follow:

Select "Open/ Update Account" from the PPS Registration Terminal
Swipe your ATM card
Select your debit bank account
Enter your ATM PIN
Enter your chosen 5 digit PPS Phone Password. Re-enter to confirm.
Enter mobile phone number and your chosen 8 digit PPS Internet Password. Re-enter to confirm.
Take the receipt printed with your PPS Account Number

Please note that if you have not used PPS consecutively for or over 18 months, your PPS Account will be deleted automatically.

How to register or add bills?

With your PPS Account Number, you can register bill through different channels. Simple steps as follow:

PPS by Internet View DEMO

1. Login to PPS web site

2. Click "Add Bill"

3. Select Merchant by Category/Code/Name

4. Key in Bill Number

5. Input Bill Nickname (optional)

6. Enter One-time Password for selected merchants that require Two-factor Authentication

PPS by Phone View DEMO

1. Dial 18011 (English) or 18013 (Cantonese)

2. Press "1" for bill registration

3. Key in PPS Account Number

4. Key in Merchant Code

5. Key in Bill Number

PPS by Fixed Line SMS Phone View DEMO

1. Press "Info" button

2. Select "PPS"

3. Select "Register Bill/Enquire Registered Bill"

4. Enter PPS Account Number

5. Select "Register Bill"

6. Key in Merchant Code and Bill Number

PPS on eye Fixed Line Service

1. Press "Menu" button and select PPS

2. Login to PPS web site

3. Select "Add Bill"

4. Select Merchant by Category/Code/Name

5. Key in Bill Number

6. Enter One-time Password for selected merchants that require Two-factor Authentication

What is the function of 'Add Bill'?

It allows you to make payment to merchants to whom you have not previously registered and included in your merchant list. This is the same function as register bill in PPS by Phone.

What is Bill Nickname?

Facilitating you to identify bill account, you can define a Bill Nickname when you add your bills. Thus, if you have 2 or more bills from the same merchant, the assigned Bill Nickname will help you to differentiate the bills easily. Bill Nickname is only applicable for PPS by Internet.

Do I need to set up Bill Nickname?

It is optional. In English web page, you can choose a maximum of 24 English characters, or in Chinese web page, a maximum of 10 Chinese characters as Bill Nickname. Afterwards, Bill Nickname will be displayed in the column of 'Bill'. Please note that Bill Nickname assigned in English web page will be shown in English web page only, and same principle applies to the Chinese version.

What if I don't know the PPS Merchant Code?

The PPS Merchant Code is usually printed at the back of your merchant's bill. If you are using PPS by Internet, you can simply choose the merchant's name from the merchant list.

How many PPS merchants? Who are they?

Currently, we have over 600 PPS merchants covering various industries, including

Banking & Credit Card Services

Catering Services

Charity Organisation

Credit Services

Educational Institution

Government or Statutory Organisation

Insurance or Pension Services

Medical Services

Petroleum Product

Professional Institution

Property Management

Public Utility

Securities Broker

Telecommunication Services

Travel Agency

Others

Download PPS Merchant List

What is the possible reason that the bill cannot be registered?

If your bill has already been registered by a PPS Account, it cannot be registered again. For details, please call PPS Hotline at 2311 9876.

Can the same bill be registered by more than one PPS Account?

No, each bill can only be registered by one PPS Account. Duplicated registration will be rejected.

How to delete a registered bill?

By Internet - Go to "Delete Bill" page on the PPS web site and click the "Delete" button of the chosen bill.
By Phone - Call 18011 (18013 Cantonese) and then press '4' to delete your registered bill
By Fixed Line SMS phone - press "Info" button and select "PPS" then "Delete Registered Bill"
By eye Fixed Line Service - press "Menu" button, select "PPS" and login then select "Delete Bill"
If you have not made any payment transaction on a registered bill for 12 months after bill registration, system may delete the bill.
Note that if you delete a registered bill, its payment history and any outstanding scheduled / "Monthly Payment" instruction will also be deleted automatically.

How to make payment by PPS?

After the bill registration, you can pay bill through different channels. Simple steps as follow:

PPS by Internet View DEMO

1. Login to PPS web site

2. Select the bill from "Pay Bill"

3. Click 'Pay' button

4. Key in Payment Amount and Bill Type (if any)

5a. Pay Now, click 'Proceed' button.

5b. Schedule Payment (preset a forward bill payment for next 30 days ahead), select Payment Date, click 'Proceed' button

5c. Monthly Payment (place a "Monthly Payment" Instruction), select Payment Date, Payment Type and Final Payment Date. Click 'Proceed' button.

6. Verify the payment instruction and click 'Pay' button, note the Payment Reference Number / Schedule Instruction Number / Monthly Instruction Number.

For Schedule Payment and "Monthly Payment" Instruction, input your name and email address for the first time set up.
Note: For selected merchants, you are required to enter a One-time Password for first-time payment on the Internet for bills registered via PPS by phone.

PPS by Phone View DEMO

1. Dial 18031 (English) or 18033 (Cantonese)

2. Key in PPS Phone Password

3. Key in PPS Merchant Code

4. Key in Bill Number and Bill Type (if any)

5. Key in Payment Amount

6. Select '1' to confirm payment now, or press '8' and key in payment date to schedule a payment up to 30 days in advance

7. Listen to the Payment Reference Number or Schedule Instruction Number

PPS by Fixed Line SMS Phone View DEMO

1. Press "Info" button

2. Select "PPS"

3. Select "Pay Bill / Enquire Last Payment"

4. Enter PPS Phone Password

5. Select "Pay Bill"

6. Key in PPS Merchant Code

7. Key in Bill Number and Bill Type (if any)

8. Key in Payment Amount

9. Select Payment Type

10a. Pay Now, press "Confirm" and note the Payment Reference Number (A payment acknowledgement can be printed out to a fax machine.)

10b. Schedule payment within 30 days, enter schedule payment date then press "Confirm" and note the Scheduled Instruction Number (A payment acknowledgement can be printed out to a fax machine.)

PPS on eye Fixed Line Service

1. Press "Menu" button and select PPS

2. Login to PPS

3. Select the bill from "Pay Bill"

4. Press 'Pay' button

5. Key in Payment Amount and Bill Type (if any)

6. Select Payment Type

7. Press 'Proceed' button

8. If Pay Now, verify the payment instruction and press 'Pay', note the Payment Reference Number.

9. If Schedule to pay in 30 days, input your name and email address for the first time set up. Press 'Pay' and note the Scheduled Instruction Number.

Note: For selected merchants, you are required to enter a One-time Password for first-time payment on eye Fixed Line Service for bills registered via PPS by phone.

What are the minimum and the maximum amount I can pay?

The minimum and maximum payment limit you can pay is set by your designated bank.

What is Bill Schedule?

You can use 'Bill Schedule' service to preset a forward bill payment, the preset payment amount will be paid to the preset merchant's bill on the preset payment date.

How far ahead can I arrange a "Bill Schedule"?

You can make a bill schedule 30 calendar days ahead of time.

Can I make any amendments to the scheduled payment?

Yes, you may modify or delete any scheduled payment at "Bill Schedule" page on the PPS web site or by calling '18011' and press '8' anytime before the scheduled payment is executed.

Can I make 2 or more schedule payments for the same bill?

No. Only one scheduled payment can be set for each bill at any one time. The second scheduled payment of that bill will be rejected until the first one is executed or deleted.

Do I need to have sufficient fund in my account when I make a schedule payment?

Please allow sufficient funds and ensure normal status of the bank card linked up with your PPS Account to process all payment instructions on the scheduled payment date (starting from 00:00 early morning).

How do I know if the forward payment instruction is scheduled?

A Scheduled Instruction Number is given at the end of each completed instruction and, you can mark down or save the scheduled payment details by pressing "Save" to store the information. Or, you can check the details at "Bill Schedule" page on the PPS web site or by calling '18011' and press '8' anytime.

Will I receive a payment alert for the scheduled payment?

In order to receive our notifications, you are requested to provide your name and email address at "Account Settings" page on the PPS web site. A Payment Reminder will be sent to your email address 2 working days before the payment date.

How do I know if the scheduled payment is processed successfully on the payment date?

A Payment Advice will be sent to your email address on the payment date to inform you of the payment status. Also, you can check the "Payment History" at www.ppshk.com or by calling '18011' and press '8' after 2:00p.m. on the same day.

Monthly Payment

Q:	What is "Monthly Payment"?
A:	You can use "Monthly Payment" service to set up a monthly recurrent bill payment. You can, preset the payment amount and payment date to settle your designated bills. PPS will execute your instruction automatically from the First Payment Date until the Final Payment Date. This service is only applicable to PPS by Internet.

Q:	How far ahead can I arrange a "Monthly Payment"?
A:	You can place a "Monthly Payment" instruction up to 24 specified months or select "until further notice".

Q:	How the different number of days is being handled for "Monthly Payment"?
A:	If the specified date does not exist, the payment will be processed on the last calendar day of that month. For example, if your recurrent payment date is 31st, the execution date in Year 2008 will be 31 Jan, 29 Feb, 31 Mar, 30 April and so on so forth.

Q:	Can I make any amendments to the scheduled "Monthly Payment"?
A:	Yes, you may modify the payment amount or final payment date at "Bill Schedule" -> "View/Modify Monthly Payment" page on the PPS web site anytime before the next monthly payment instruction is executed.

Q:	Can I cancel the scheduled payment instruction?
A:	You can delete the "Monthly Payment" instruction at "Bill Schedule" before the payment execution date.

Q:	Can I place 2 or more "Monthly Payment" instructions for the same bill?
A:	No. Only one "Monthly Payment" instruction can be set for each bill.

Q:	Can I place a 30-day "Bill Schedule" and a "Monthly Payment" instruction for the same bill of the same month?
A:	Yes. You can place a "Bill Schedule" and a "Monthly Payment" instruction for the same bill of the same month.

Q:	Do I need to have sufficient fund in my account when I set up a monthly payment instruction?
A:	Please allow sufficient funds and ensure normal status of the bank card linked up with your PPS Account to process all payment instructions on the scheduled payment date (starting from 00:00 early morning).

Q:	How do I know if the "Monthly Payment" instruction is arranged?
A:	A Monthly Instruction Number is given at the end of each completed instruction. You can check the details at "Bill Schedule" -> "View/Modify Monthly Payment" page on the PPS web site anytime.

Q:	Will I receive a payment alert for the "Monthly Payment" instruction?
A:	In order to receive our notifications, you are requested to provide your name and email address at "Account Settings" page on the PPS web site. A Payment Reminder will be sent to your email address 2 days before the payment date.

Q:	Is it guaranteed that my scheduled/monthly payments will be paid successfully after I got the "Scheduled Instruction No."/"Monthly Instruction No."?
A:	No. The "Scheduled Instruction No."/"Monthly Instruction No." only indicates that your scheduled/monthly payment instruction is setup successfully. However, you are advised to check the payment status via the "Payment History" at www.ppshk.com or Payment Advice (if you have provided your email address) on the scheduled payment day after 2:00 p.m. Please allow sufficient funds and ensure normal status of the bank card linked up with your PPS Account to process all payment instructions on the scheduled payment date (starting from 00:00 early morning).

Q:	How do I know if the "Monthly Payment" is processed successfully on the payment date?
A:	A Payment Advice will be sent to your email address on the payment date to inform you of the payment status. Also, you can check the "Payment History" at www.ppshk.com after 2:00p.m. on the same day.

Q:	Why my "Monthly Payment" instruction has been cancelled?
A:	Due to the bill maintenance by the merchant (for example, bill number has been changed or merchant has increased the minimum payment amount and etc), your payment instruction cannot be executed. In general, PPS will notify you by email when the instruction has been purged. Also, you can check the deleted payment instruction at "Bill Schedule" -> "View / Modify Monthly Payment".

Schedule TAX payment in next 180 days

Q:	What is offered by schedule TAX payment?
A:	You can schedule the TAX payment up to 180 calendar days ahead of time via www.ppshk.com or by calling 18031. PPS by Internet will also allow you to set up another schedule for the 2nd TAX instalment.

Schedule TAX payment via Internet

Q:	How do I schedule the TAX payment via Internet?
A:	Login to PPS web site at www.ppshk.com and select your TAX bill at "Pay Bill" page. You can select payment date of up to 180 days in advance.

Q:	I can pay TAX in two instalments. Can I concurrently set up two schedules for TAX payment via www.ppshk.com?
A:	Yes. Please choose the appropriate payment type for "1st instalment" or "2nd instalment" when placing your instruction via www.ppshk.com.

Q:	How can I enquire the scheduled TAX payment(s)?
A:	For scheduled 1st TAX instalment, you can enquire it at the "Bill Schedule" page on the PPS website. For scheduled 2nd TAX instalment, you can enquire it at the "Bill Schedule" page and click "View/Modify Monthly Payment / 2nd TAX instalment".

Q:	Will my scheduled instruction of the 2nd TAX instalment be processed monthly?
A:	No. The scheduled instruction for the 2nd TAX instalment will be only processed once.

Q:	Can I make any amendment to the scheduled TAX payment?
A:	No. Please delete the scheduled TAX payment at "Bill Schedule" page on the PPS website before the scheduled payment is executed. Then, please set up a new instruction.

Q:	Do I need to have sufficient fund in my account when I make a schedule tax payment via Internet?
A:	Please allow sufficient funds and ensure normal status of the bank card linked up with your PPS Account to process all payment instructions on the scheduled payment date (starting from 00:00 early morning).

Q:	Is it guaranteed that my scheduled TAX payments will be processed successfully after I got the "Scheduled Instruction No."/"Monthly Instruction No."?
A:	No. The "Scheduled Instruction No."/"Monthly Instruction No." only indicates that your scheduled/monthly payment instruction is setup successfully. However, you are advised to check the payment status via the "Payment History" at www.ppshk.com or Payment Advice (if you have provided your email address) on the scheduled payment day after 2:00 p.m. Please allow sufficient funds and ensure normal status of the bank card linked up with your PPS Account to process all payment instructions on the scheduled payment date (starting from 00:00 early morning).

Q:	Will I receive a payment alert for the scheduled TAX payment?
A:	In order to receive our notifications, you are requested to provide your name and email address at "Account Settings" page on the PPS web site. A Payment Reminder will be sent to your email address 2 working days before the payment date.

Q:	How do I know if the scheduled payment is processed successfully on the payment date?
A:	A Payment Advice will be sent to your email address on the payment date to inform you of the payment status. Also, you can check the "Payment History" at www.ppshk.com on the same day after 2:00p.m.

Schedule TAX payment by Phone

Q:	How do I schedule the TAX payment by Phone?
A:	Dial 18031 (English) or 18033 (Cantonese) and follow the voice prompt. You can key in payment date to schedule the TAX payment up to 180 days in advance.

Q:	I can pay TAX in two instalments. Can I concurrently set up two schedules for payment by calling 18031?
A:	Only one scheduled TAX payment can be set up at any one time via PPS by Phone (18031). The second scheduled payment bill will be rejected until the first one is executed or deleted.

Q:	How can I enquire the scheduled TAX payment instruction detail?
A:	You can check the details by calling '18011' and press '8' anytime.

Q:	Can I make any amendment to the scheduled TAX payment?
A:	You can change the payment date or amount of the scheduled TAX payment by calling '18011' and press '8' before the scheduled payment is executed.

Q:	Do I need to have sufficient fund in my account when I make a schedule tax payment by phone?
A:	Please allow sufficient funds and ensure normal status of the bank card linked up with your PPS Account to process all payment instructions on the scheduled payment date (starting from 00:00 early morning).

Q:	Is it guaranteed that my scheduled TAX payments will be processed successfully after I got the "Scheduled Instruction No."?
A:	No. The "Scheduled Instruction No." only indicates that your scheduled TAX payment instruction is setup successfully. However, you are advised to check the payment status via the "Payment History" at www.ppshk.com or Payment Advice (if you have provided your email address) on the payment day. Please allow sufficient funds and ensure normal status of the bank card linked up with your PPS Account to process all payment instructions on the scheduled payment date (starting from 00:00 early morning).

Q:	Will I receive a payment alert for the scheduled TAX payment?
A:	In order to receive our notifications, you are requested to provide your name and email address at "Account Settings" page on the PPS web site. A Payment Reminder will be sent to your email address 2 working days before the payment date.

Q:	How do I know if the scheduled TAX payment is processed successfully on the payment date?
A:	You can check the details by calling '18011' and press '8' after 2:00p.m. on the same day. Or, you can check the "Payment History" at www.ppshk.com.

Q:	How can I enquire whether the payment is made successfully?
A:	A Payment Reference Number is given at the end of each completed and successful payment transaction. If you have any questions, please check the "Payment History" on the PPS website, or call 18011 (English) or 18013 (Cantonese) and then press '2' to enquire your last payment, or enquire your last payment via Fixed Line SMS Phone, or check the "Payment History" on eye Fixed Line Service

Q:	What shall I do if I make mistake during the payment process, e.g. key in the wrong amount?
A:	You can call PPS Hotline at 2311 9876 during office hours and our customer service representatives are there to help you.

Q:	Can I cancel a Payment transaction?
A:	For each successfully completed payment transaction, a Payment Reference Number will be generated and the amount will be deducted instantly from your bank account. The transaction CANNOT be cancelled. If you have any doubt about your payment, you can always check it by using "Payment History" on the PPS website or enquire last payment by phone or via Fixed Line SMS phone or eye Fixed Line Service.

PPS Visa Money Transfer

Q:	What is PPS Visa Money Transfer Service?
A:	PPS Visa Money Transfer Service is a remittance service made available to you by your Bank and Visa Inc.via PPS. It allows you to transfer money to an overseas Visa credit or debit cardholder by debiting your bank account via PPS.

Q:	Is there any service charge for using PPS Visa Money Transfer Service ?
A:	Yes, a PPS service fee of HKD25.00 (excluding the service fee charged by the recipient bank, if any) will be applied to each PPS Visa Money Transfer transaction, which is listed for reference only and is subject to change from time to time without prior notification. It will be clearly stated when you perform the Service, which is non-transferable and non-refundable under any circumstances. You or the Recipient Visa Card holder can directly contact the recipient bank for details if the Recipient Visa Card holder will be charged for any service fee.

Q:	What does it mean if I got the reject code "565" when I enrolled in the PPS Visa Money Transfer Service?
A:	If you got the reject code "565" when you enrolled in the PPS Visa Money Transfer Service, it means that this Service is not supported by your card issuing bank that links up with your PPS Account.

Q:	What should I do if I want to use PPS Visa Money Transfer Service?
A:	You have to enroll in the PPS Visa Money Transfer via PPS website www.ppshk.com. Upon successful enrollment, you can add the Recipient Visa Card Number via PPS website. Then, you can transfer money by phone or Internet anytime.

Q:	How to enroll in the PPS Visa Money Transfer Service?
A:	Please login to www.ppshk.com and provide the following details at the "Account Setting" page for Visa Money Transfer enrollment. - Name - Address - Email Address Select "PPS Visa Money Transfer" page and click "Enroll Service" button. Read the Terms and Conditions and tick the boxes if you acknowledge, understand and agree all the details next to the boxes in "Service Enrollment" page. Click "Agree and Proceed" to confirm. The enrollment status will be changed to "PENDING FOR VERIFICATION" and the request is pending verification from your card issuing bank. Upon successful enrollment, the enrollment status will be changed to "ENROLLED".

Q:	How long does it take to enroll in PPS Visa Money Transfer Service?
A:	Normally, it will take 3 working days for the enrollment process. You may check your enrollment status by logging in www.ppshk.com, and it will be changed to "Enrolled" if the enrollment is successful. You will also receive an email notification (it will be sent to the email address that you have registered in the "Account Setting" page) of the enrollment result.

Q:	If my PPS Account is linked to a Corporate bank account, how to fill in its name as only 50 characters are available in the "Name Field"?
A:	PPS Visa Money Transfer Service is not applicable to non-personal bank account. You may use other personal account which is linked up with PPS in order to enroll in the Service.

Q:	Why are my name and address required for enrolling in and using PPS Visa Money Transfer Service?
A:	Customer's name and address are the essential information for processing a remittance.

Q:	How to change the Address/Email after successfully enrolled in the PPS Visa Money Transfer Service?
A:	You may change your Address/Email by selecting "Account Setting" after logging in the PPS website at www.ppshk.com.

Q:	How to add a Recipient Visa Card?
A:	You need to register your mobile phone number in the PPS Registration Terminal first in order to receive a One Time Password (OTP) for adding the Recipient Visa Card. Then, login www.ppshk.com and follow the steps below: Select "PPS Visa Money Transfer" page after you login Click "Add Recipient Visa Card Number" Input 16-digit Recipient Visa Card Numbers Input Recipient Name (as printed on his/her Visa Card) PPS will send an "OTP" to your mobile phone Enter the "OTP" and click "Submit"

Q:	How to make a money transfer transaction?
A:	After adding the Recipient Visa Card Number, you can transfer money via the following channels: By Internet - visit PPS web site at www.ppshk.com. By Tone Phone - dial 18031 (18033 Cantonese) to make the money transfer

Q:	In what kind of currencies can I transfer money via PPS Visa Money Transfer?
A:	Depending on the currency of the Recipient Visa Card, the following currencies are available for PPS Visa Money Transfer (for reference only): Australian Dollar (AUD) Canadian Dollar (CAD) Euro (EUR) British Pound (GBP) India Rupee (INR) Japanese Yen (JPY) New Zealand Dollar (NZD) Singapore Dollar (SGD) Thailand Baht (THB)

Q:	Which countries can I transfer money to via PPS Visa Money Transfer service?
A:	You may transfer money via PPS Visa Money Transfer to the following countries (for reference only): Germany France Spain Italy Portugal Greece Australia Canada United Kingdom New Zealand India Japan Singapore Thailand

Q:	Will PPS notify me upon my PPS Visa Money Transfer instruction has been successfully placed?
A:	Yes, starting from 13 Jan 2010 (after 10 a.m.), SMS notification will be sent to your mobile phone once your PPS Visa Money Transfer instruction is successfully placed.

Q:	How long will it take for the money to be successfully transferred to the Recipient Visa Card account?
A:	For instruction made before 3:00 p.m., the instruction will be passed to Visa on the same business day. It will then normally take 1 - 2 working days for the money to arrive at the Recipient Visa Card account. (Please note that the lead time for the fund to be credited to the Recipient Visa Card account will depend on the processing time of the overseas recipient bank. You or the Recipient Visa Card holder can directly contact the recipient bank.)

Q:	How can I know if the money has been successfully transferred to the Recipient Visa Card account?
A:	Please check with the Recipient Visa Card holder after you have made your PPS Visa Money Transfer instruction.

Q:	Any limit for each PPS Visa Money Transfer?
A:	The maximum transaction amount for each PPS Visa Money Transfer instruction per Recipient Visa Card: HKD5,000.00 (excluding the PPS Visa Money Transfer service fee). total sum of PPS Visa Money Transfer instructions per day: HKD20,100.00 (including the PPS Visa Money Transfer service fee).

Q:	Any cutoff time for the Visa Money Transfer Service?
A:	For instruction made before 3:00 p.m., it will be passed to Visa on the same business day. It will then normally take 1 - 2 working days for the money to arrive at the Recipient Visa Card account. Please note that the lead time for the fund to be credited to the Recipient Visa Card account will depend on the processing time of the overseas recipient bank.

Q:	How to un-enroll PPS Visa Money Transfer Service?
A:	Please login www.ppshk.com and follow the steps below:- -> Select "PPS Visa Money Transfer" page after you login -> Click "Service Management" -> Click "Un-Enroll Service" -> Click "Proceed"

Q:	What to do if un-enroll the PPS Visa Money Transfer Service after I have successfully submitted the Visa Money Transfer payment instruction? Will the payment instruction be deleted OR kept on processing?
A:	Once we have successfully received your PPS Visa Money Transfer instruction, it cannot be cancelled although you un-enroll the service afterwards.

Q:	Will the Recipient Visa Card holder be charged for any service fee for the money transferred to the account via PPS Money Transfer Service?
A:	It depends on the practice of the recipient bank. You or the Recipient Visa Card holder can directly contact the recipient bank for details.

Problems in using PPS

Q:	What can I do if I forgot my PPS Account Number?
A:	Please bring along your ATM card and go to any PPS Registration Terminal to retrieve your PPS Account Number by using the 'Enquire Account' function.

Q:	What can I do if I forgot my PPS Phone Password or Internet Password?
A:	Please bring along your ATM card and go to any PPS Registration Terminal to change the PPS Phone Password or Internet Password by using 'Setup/ Change Password' function.

Q:	If I close my bank account, can I still use the PPS Account registered with that bank account?
A:	The PPS Account will be invalid.

Q:	Can I transfer the registered bills from my old card to the new card if my ATM card has been replaced?
A:	You can bring along your new ATM card to the PPS Registration Terminal and perform the "Open/ Update Account" function with the same PPS withdrawal bank account. Our system will then be updated with the details of your replaced ATM card. You may also contact our hotline at 2311 9876 or card issuing bank for details. You will be given the same PPS Account Number and have no need to re-register the bills.

Q:	How to update the PPS Account if my debit account for PPS has been changed?
A:	Only ONE bank account for debit is allowed to be attached to each PPS Account at any time. If you want to change the bank account for debit, please go to our PPS Registration Terminal to "Delete" original PPS Account and then "Open" a new PPS Account using your new bank account. Upon completion, please remember to add the bills at your old PPS Account to your new PPS account before you make payments again. Please refer to Q11: How to open a PPS Account?

Q:	If I don't want to receive any PPS promotional material, what should I do?
A:	You may login ppshk.com and enter "Account Settings" page. select "Edit Settings" and choose "Not Accept" next to "Receive Promotional Material".

General Reject Code Reason

For general reject code reason, please refer to the following table for reference:-

Reject Code	Reasons	Action
415 - Refer to Bank	Your bank card which is linked up with your PPS account has been replaced or renewed. Or, you may check with your card issuing bank for reason.	Please bring along the new bank card and reactivate your PPS Account using the "Open / Update Account" function at our PPS Registration Terminal, choose the same PPS withdrawal bank account and input a NEW PPS internet password.
417 - Invalid Account	Your bank account which is linked up with your PPS account was cancelled. Or, your bank card (not bank account) which was accessible to your bank account you used to open your PPS account was cancelled.	Please open a new PPS Account at our PPS Registration Terminal. All the bills registered in the old PPS account have to be registered again with the new PPS account. Or, if it is related to the cancellation of your bank card, please bring along a valid bank card (which is linked up with your PPS account), and reactivate your PPS Account using the "Open / Update Account" function at our PPS Registration Terminal, choose the same PPS withdrawal bank and input a NEW PPS internet password.
419 - Card Expired	Your bank account which is linked up with your PPS account was expired.	Please bring along the replacement card and reactivate your PPS Account using the "Open / Update Account" function at our PPS Registration Terminal. To reuse the existing PPS account, please choose the same PPS withdrawal bank account through our PPS Registration Terminal and input a NEW PPS internet password.
422 - Refer Bank for Reason	Your bank account information was updated recently Or, your bank card which is linked up with your PPS account was renewed or replaced. Or, you may check with your card issuing bank for reason.	Please bring along a valid bank card and reactivate your PPS Account using the "Open / Update Account" function at our PPS Registration Terminal. To use the existing PPS account, please choose the same PPS withdrawal bank account and input a NEW PPS internet password.
424 - PIN Retry Exceeded	Your ATM password of the bank card which is linked up with your PPS was revoked due to repetitive input error	Please reactivate your PPS account after you reset the ATM password at the bank by bringing along a valid bank card to our PPS Registration Terminal using the "Open / Update Account" function, choose the same PPS withdrawal bank account and input a NEW PPS internet password.
548 - Internet Password not match	PPS Internet Password is invalid or used before.	Please use a new PPS Internet Password.
584 - Account not found	PPS account inputted is not exists. Inactive PPS account for over 18 months may be deleted automatically.	Please bring along a bank card with ATM function and open a new PPS Account using the "Open / Update Account" function through our PPS Registration Terminal.

Access PPS by Internet

Q:	Can I apply to be a PPS Account holder by Internet?
A:	No, you have to apply to be a PPS Account holder at a PPS Registration Terminal located throughout Hong Kong. View DEMO - How to open a PPS Account

Q:	Can I choose my own PPS Account Name?
A:	Yes. For your convenience in using PPS, you can set up your preferred PPS Account Name. Each user's PPS Account Number must be unique.

Q:	How can I set up my own PPS Account Name?
A:	Firstly, login www.ppshk.com with your 8-digit PPS Account Number and then, select "Setup / Change PPS Account Name" at "Account Settings". Your personalized PPS Account Name must be from 8 to 40 alphanumeric characters including space (special characters and leading/trailing space are not allowed).

Q:	Do I need to setup my own PPS Account Name?
A:	It is optional and you may either login with your 8-digit PPS Account Number or personalized PPS Account Name at your own choice.

Q:	Can the PPS Account Name be the same as the 8-digit PPS Account Number?
A:	No. The two sets of identification cannot be the same.

Q:	Can I change the PPS Account Name?
A:	Yes. PPS Account Name is your own identification. Please login www.ppshk.com and select "Setup/Change PPS Account Name" at "Account Settings" to modify your current PPS Account Name.

Q:	What if I forget my PPS Account Name?
A:	Please login with your 8-digit PPS Account Number and modify your preferred PPS Account Name at "Account Settings".

Q:	How to set up a PPS Internet Password?
A:	Please bring along your ATM card to a nearby PPS Registration Terminal. If you are a new PPS user, select "Open/ Update Account" and follow instructions. Please note that when you register for the PPS service at the PPS Registration Terminal, you must first set up a PPS Phone Password before choosing a PPS Internet Password. If you are an existing PPS user, select "Setup/ Change Password" and follow instructions. View DEMO - How to set up PPS Internet Password

Q:	What is the length of the PPS Internet Password? Can I change it?
A:	The PPS Internet Password is 8-digit when you initially set up at the Registration Terminal. Afterwards, you can click the "Change PPS Internet Password" function in Account Settings after login to PPS web site and change it to a 8-28 alphanumeric characters with either big or small letters (A-Z, a-z) and/or number (0-9) with no space in between. To create/ change your PPS Internet Password, please follow the tips below: Select a password which is difficult to guess. Create your PPS Internet password with a combination of numbers and letters. Avoid using repetitive or consecutive digits in your PPS Internet password. Do not associate your PPS password with anything personal such as your Login ID, birth dates, names, phone numbers or other familiar words. Do not use those login ID and passwords that have been used in other Internet services for PPS Account Name and PPS Internet password. To protect your password, we strongly recommend that you Change your password on a regular basis. Never share the password with anyone, or tell anyone about your password. To prevent others from reading and using your password, never write it down. Check the last logon time-stamp each time when you log on. If you suspect your PPS Phone/Internet password has become known by someone else, you should change it immediately. Contact PPS Customer Service immediately if you suspect any unusual or unauthorized access to your PPS account.

Q:	What shall I do if I forget my PPS Internet Password?
A:	Please bring your ATM card and go to a nearby PPS Registration Terminal to create a new 8-digit PPS Internet Password.

Q:	Do I need to use PPS Phone Password for transactions over the Internet?
A:	No. The 5-digit PPS Phone Password is for PPS by Phone. However, before you choose a PPS Internet Password, you must first set up the PPS Phone Password as it serves as your registration for the PPS service.

Q:	Can I exit PPS By Internet by simply clicking the browser-closing button at the top right-hand corner?
A:	We strongly recommend you to click the "Logoff" button at the top right-hand corner to exit the service. This is the only way to guarantee your account to be appropriately logged off.

System Requirements

Q:	Please CLICK HERE for details on system requirements.

Privacy and Security

Q:	How can I ensure PPS By Internet is secure for use?
A:	We offer six types of security measures to safeguard your personal / account information: Authentication PPS Two-factor Authentication uses two different types of information to verify your identity: First protection: You are required to enter your PPS Account Number or PPS Account Name and PPS Internet Password to authenticate your identity. Moreover, we will display your last login details as a security measure for verification. Additional protection: PPS will send a One-time Password (OTP) via SMS to your mobile phone when you register or pay bills with selected merchants. You are requested to enter the OTP to confirm the transaction. Secure Sockets Layer (SSL) 128-bit encryption '128-bit SSL' is an international adopted standard to ensure the flow of information between you and PPS is under secure protection. The information is encrypted (changed to a code, which cannot be read) before transmission. Only an authorized receiver with appropriate software can unlock the code, changing it back to the original readable information. Therefore, the communication between you and us can be maintained in high confidentiality and integrity. Strong cryptography PPS uses public key and symmetric key cryptographyfor security. The technology used has been supplied by PCCW Solutions. Its strong cryptography includes 1024 bits RSA key and 192 bits triple DES encryption. Similar systems using this technology have already been in use throughout the U.S., Europe and Australia. PCCW Solutions is the IT service arm of PCCW Limited. Firewall A firewall is set up to help prevent unauthorized access by hackers. Time-out Function To help prevent unauthorized access, PPS will automatically be disconnected after the service is idle for a certain period of time. Maximum Attempts for Login / One-time Password Your account will be suspended if you enter an incorrect PPS Internet Password or One-time Password consecutively for a number of times.
Q:	How to create and protect my PPS Internet password?
A:	To create/ change your PPS Internet Password, please follow the tips below: Select a password which is difficult to guess. Create your PPS Internet password with a combination of numbers and letters. Avoid using repetitive or consecutive digits in your PPS Internet password. Do not associate your PPS password with anything personal such as your Login ID, birth dates, names, phone numbers or other familiar words. Do not use those login ID and passwords that have been used in other Internet services for PPS Account Name and PPS Internet password.
	To protect your password, we strongly recommend that you Change your password on a regular basis. Never share the password with anyone, or tell anyone about your password. To prevent others from reading and using your password, never write it down. Check the last logon time-stamp each time when you log on. If you suspect your PPS Phone/Internet password has become known by someone else, you should change it immediately. Contact PPS Customer Service immediately if you suspect any unusual or unauthorized access to your PPS account.

Q:	Why do I keep on getting pop-up message alerts when entering or leaving PPS web site?
A:	PPS web site is highly secured. These pop-up messages serve as alerts whenever you enter or leave the secured webpage.

Q:	Can I conduct my transactions at public places such as a cyber cafe?
A:	We would recommend you not to carry out any bill payment transaction in places where Internet services are available to the public. It is very difficult to ensure these public accessible PCs are free of tampering which can capture your personal / account information. Please make sure you clear the browser memory cache before leaving should you have to conduct transactions on a public accessible PC.

Q:	How can I be certain that I am really connected to the true PPS web site and not a fake web server?
A:	In addition to the encrypted message during transfer, the SSL technology also provides authentication by using a digital certification to ensure the server is really the one who claims to be. We urge you to check the information by double click the "lock" icon at the bottom of your browser (right hand side for IE and left hand side for Netscape) and verify that the certificate is valid and is issued to www.ppshk.com.

Two-factor Authentication

Q:	What is the purpose for PPS launching Two-factor Authentication for payment over the Internet?
A:	Internet transaction security is our main concern. In order to protect you from various forms of Internet frauds such as fake e-mail and website, keystroke logging, Trojan horse, backend monitoring and screen capture, etc., PPS has launched Two-factor Authentication to provide a more secure and reliable system for transactions over the Internet.

Q:	What is Two-factor Authentication?
A:	PPS Two-factor Authentication uses two different types of information to verify your identity. First protection (One-factor authentication): Login PPS website with PPS Account Number/Account Name and PPS Internet Password; Additional protection (Two-factor Authentication): PPS will send a One-time Password (OTP) via SMS to your mobile phone when you register bills with selected merchants^#. You are requested to enter the OTP to confirm the transaction.

Q:	What should I know before using Two-factor Authentication for payment over the Internet?
A:	To enjoy the benefit of Two-factor Authentication for payment over the Internet, you should firstly register your Hong Kong mobile phone number in the PPS system. Keep your mobile phone in a safe place and make sure it is switched on with SMS enabled and sufficient memory to receive the OTP. Note: please note that delivery of SMS messages requires support from mobile service provider. PPS shall not be liable for any damage, cost, expense or loss resulted from interference, delay or non-delivery of SMS messages caused by equipment failure or network problem of mobile service providers and the related technical support companies.

Q:	Will I be charged for using Two-factor Authentication for payment over the Internet?
A:	PPS will not charge you for using Two-factor Authentication for transactions over the Internet, however the OTP will be sent to your mobile phone via SMS. Please contact your mobile service provider for SMS charges.

Q:	Can I apply for exemption of using Two-factor Authentication for payment over the Internet?
A:	No. In order to protect you from various forms of Internet frauds such as fake e-mail and website, keystroke logging, Trojan horse, backend monitoring and screen capture, etc., PPS has launched Two-factor Authentication for payment over the Internet to provide a more secure and reliable system for online payment. Besides, you can use PPS by Phone 18011 or 18031 to register and pay bills.

Q:	I only use PPS by Phone 18011 or 18031 to register and pay bills, do I still need to register my mobile phone number and use Two-factor Authentication?
A:	No. Two-factor Authentication is only applicable to PPS by Internet.

One-time Password (OTP)

Q:	What is One-time Password (OTP)?
A:	One-time password (OTP) is a 6-digital number for single use. When you register or make first-time payment for selected merchants# on PPS by Internet, PPS will send the OTP to your mobile phone via SMS to verify your identity. Each OTP is valid only for the respective transaction within a short time.

Q:	Which transactions on PPS by Internet require One-time Password?
A:	OTP is required for the following transactions on PPS by Internet: bill registration for selected merchants^#via PPS by Internet first-time bill payment for selected PPS merchants^# via PPS by Internet for bills registered via PPS phone channel PPS Visa Money Transfer - Add Recipient Visa Card Number ^#All merchants excluding those in the categories of Educational Institution, Government or Statutory Organization & Public Utility.

Q:	How to obtain One-time Password?
A:	Before you proceed with your transaction, PPS will prompt you to enter a 6-digit OTP and send the OTP via SMS to your mobile phone number registered in our system.

Q:	What if my One-time Password is not accepted by the system?
A:	Each OTP is valid only for the respective transaction within a short time, therefore it may not be accepted by the system after the time limit and an error message will be displayed. You can repeat the procedure and PPS will send another OTP to you via SMS to confirm the transaction.

Q:	Can I receive One-time Password when I am aboard?
A:	It will depend on whether you have roaming service for your mobile phone number. Please contact your mobile service provider and/or mobile phone hardware supplier for details. Please contact your mobile service provider for roaming SMS charges, however PPS will not be responsible for such charges.

Mobile Phone Number

Q:	How to register/enquire/change the mobile phone number?
A:	Register Mobile Phone Number: Via PPS Registration Terminal Please bring along your ATM card or a credit card with ATM function to any PPS Registration Terminal, choose "Setup/ Change Mobile No." function to register the mobile phone number. For details, please click here. PPS Registration Terminals are located at designated Circle K Convenience Stores, PCCW Shops and AEON counters in all Jusco stores. Please click here for the list of terminal locations. Enquire Mobile Phone Number: Via PPS By Internet You can enquire the mobile phone number via www.ppshk.com. Go to Account Settings, select Edit Settings. For details, please click here. Change Mobile Phone Number: Via PPS Registration Terminal Please bring along your ATM card or a credit card with ATM function to any PPS Registration Terminal, choose "Setup/ Change Mobile No." function to register the mobile phone number. For details, please click here. PPS Registration Terminals are located at designated Circle K Convenience Stores, PCCW Shops and AEON counters in all Jusco stores. Please click here for the list of terminal locations.
Q:	What if my mobile phone is lost?
A:	You should report to your mobile service provider immediately. You may also want to change the mobile phone number through the nearby PPS Registration Terminal, if necessary.

Q:	What if my mobile phone number has been changed?
A:	You should bring along your ATM card to the nearby PPS Registration Terminal to change your mobile phone number. Your new mobile phone number will be updated in PPS system immediately.

Trouble shooting

I tried to login PPS but there is no response or "Error on Page" appears at the bottom left corner of the screen. What should I do?

Please click here to check the compatibility of your computer and browser with PPS by Internet.

What if my PC crashes or I get disconnected from Internet unintentionally or change to another website during payment transaction processing? How will I know that my payment transaction has been executed?

You may re-logon PPS website to check your previous transaction status by using "Payment History". And if you have problems with transaction or access, you can call our PPS hotline at 2311 9876.

What can I do if I forget or lose my PPS Account Number or Internet Password?

Bring along your ATM card and go to any PPS Registration Terminal to retrieve your PPS Account Number by using 'Enquiry Account' function, or change your PPS Internet Password by using 'Setup/ Change Password' function.

How do I know whether the bill payment made through PPS by Internet has been completed successfully?

A Payment Reference Number is given at the end of each successfully completed bill payment transaction. If you have any questions, please check the transaction by using "Payment History" or call our PPS hotline at 2311 9876.

What can I do if a message appears saying my PPS Account has been disabled after I wrongly entered PPS Internet Password or One-time Password consecutively for a number of times?

To resume the service, please change your PPS Internet Password at the nearest PPS Registration Terminal. CLICK HERE to find the one nearest to you.

What can be done if I cannot login to the website from a Mac machine but I can login to the website from a Windows-based PC using the same PPS Account Number and password ?

For Mac OS X user, you may use a Firefox, Netscape (7.01) or Netscape (7.02) browser to access our website. For Firefox user, you need the follow setup procedure :

Download and install the Firefox browser,
Download the Java Plug-ins,
Unzip the downloaded Java Plug-ins file and place the unzipped files into "/Library/Internet Plug-ins" folder,
Open a Terminal window and then enter the following command to update the time-stamp of one of the unzipped files :
touch "/Library/Internet Plug-ins/MRJPlugin.plugin",
Re-boot your Mac.

If it does not work, it may due to a known bug in Mac - the Java implementation has trouble with certain SSL certificates. You may try the following procedure to manually import our SSL certificates into your Mac machine :

Press CTRL key and click here to save our SSL certificate (PPSSSLCert.cer) to your Mac,
Open a terminal window from Application/Utilities folder,
In the terminal window, change directory to where the certificate saved in step 1,
Input the following command to import the saved certificate into your Mac keystore:

    sudo keytool -import -trustcacerts -keystore

     /Library/Java/Home/lib/security/cacerts -file PPSSSLCert.cer
Note :
     - Input the command as a line.
     - Input your Mac login password first.
     - The keystore is password protected, the default password is "changeit".
     - Reply "yes" to "trust this certificate ?" if prompted
Restart the browser to take effect.

Whom can I contact if I run into problems?

Contact your ISP if they are related. Otherwise, please call our PPS hotline at 2311 9876.

How can I display Hong Kong Supplementary Character Set?

Please follow the simple steps as below:

Download and Extract hkscs2001.zip and then run the extracted hkscs2001.exe to install Hong Kong Supplementary Character Set.
Download and Install the latest JRE according to download link from our System Requirement page.

Make sure :
- You have re-started your PC to let the installation take effect.
- The Java(Sun) option is checked on the "Advanced" of "Internet Options" of "Tools" of IE.
- It works only for your new input (your old entries may still be displayed improperly).