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Payment at Your Fingertips

Imagine a world without a wallet or even cash. All you need is a mobile phone and PayBy.

Our mobile application will meet your various payment needs, while the world-class facial recognition and fingerprint technology guards the security of your funds. 

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Proven Technology 

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World-class Security 

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360 Ecosystem

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Messaging Function

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In-store QR Payment

Pay with your phone and track your transaction history with a few clicks.

Moreover, you can also enjoy multiple discounts when paying.

Payment with UnionPay

Pay with UnionPay Virtual Card in a snap!

Enjoy a seamless payment experience.

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Online Payment

Shop online and pay with your fingerprint. 

No need to dig into your wallet nor save banking details on the browser.

Money Transfer

Transfer money to your friends and family while you are chatting.

Skip the hectic process of setting up beneficiaries or handling cash.

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Split Bills

Split bills with your friends or colleagues directly through PayBy. With a single tap on your smartphone, PayBy calculates the split automatically for you. Your friends can pay through using face-to-face QR code or online payment link.

Cash Gift

Spice up gifting and small money transfer. Have fun with family and friends at the festive times and eliminate physical distance. 

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We Take Care of Every Moment

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Bank Card

Transfer funds in and out of bank at anytime and from anywhere

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Mobile Top-up

Top up your wallet, quick and easy, without extra setup 

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Pay Grocery

Pay with PayBy in offline stores, and enjoy cashless and contactless payment journey

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