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 Payment

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

Moreover, you can also deposit and withdraw cash from our selected E-ATM merchants.

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.

Cash Gift

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

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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Cash In & Out

Pop in cafe, mini-market or other selected merchants