No, you do not need to be a HSBC customer to use PayMe. Although PayMe is from HSBC, you can use it to send money to anyone in Hong Kong instantly and for free, no matter which local bank you use. However, in accordance with the Stored Value Facilities (SVF) license PayMe operates under, you will need to meet a few criteria in order to be eligible to use PayMe. You must:

• Aged 18 or above when registering PayMe app; AND
• Have a valid Hong Kong Identity Card; AND
• Have a valid Visa or MasterCard credit card*

*A Visa or MasterCard single currency Hong Kong dollar personal credit card issued by a licensed bank incorporated in Hong Kong. Corporate, business, private label, dual currency and UnionPay cards are not eligible for usage with PayMe.

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Anyone can create a PayMe account without having to provide a HKID, however, to send money using PayMe, we'll ask for some additional information.

HSBC credit card holders will not be asked to provide a HKID if your PayMe account balance is below HKD 3,000 or your annual transaction volume does not exceed HKD 25,000. To continue using PayMe beyond these limits, you'll be prompted to provide a copy of your HKID.

Non-HSBC credit card holders will be asked to provide a HKID when first adding a credit card.

PayMe is available on the Hong Kong iTunes Store. To change your account country or region to Hong Kong, follow the steps below:

On your iPhone, iPad, or iPod touch:
1. On your device, tap Settings > iTunes & App Store.
2. Tap your Apple ID. If you're not signed in, sign in with the Apple ID and password that you use with the iTunes Store.
3. Tap View Apple ID.
4. If prompted, enter your password again.
5. Tap Country/Region.
6. Tap Change Country or Region.
7. Tap your new country or region, then tap Next.
8. Review the Terms and Conditions and Apple Privacy Policy, then tap Agree if you agree to the terms and conditions.
9. In the prompt that appears, tap Agree.
10. Select a payment method and enter your payment information.
11. Enter your billing address and tap Next.

On your Mac or PC:
1. Open iTunes.
2. If you’re not signed in, sign in with your Apple ID.
3. From the menu bar at the top of your computer screen or at the top of the iTunes window, choose Account > View My Account.
4. Enter your password, then press the Return or Enter key on your keyboard, or click View Account.

On the Account Information page:
1. To the right of Country/Region, click "Change Country or Region."
2. From the "Select a country or region" menu, select your new country or region.
3. Click Change.
4. On the Welcome to the iTunes Store page, click Continue.
5. Review the Terms and Conditions and Apple Privacy Policy. If you agree, select “I have read and agree to these terms and conditions.”
6. Click Agree.
7. Enter your payment method.
8. Enter your billing address.
9. Click Continue.

For more information please refer to https://support.apple.com/en-hk/HT201389

PayMe is available on the Hong Kong Google Play Store. To change your account country or region to Hong Kong, follow the steps below:

1. Sign into your Google account at https://payments.google.com
2. Click the Settings icon in the left-hand menu
3. Click on the Edit icon next to “Country”
4. Change the country to “Hong Kong (HK)”
5. Enter in a new Hong Kong Home Address
6. Click on the Save button
7. Open the Play Store and attempt to buy a paid app
8. Proceed to "Accept and buy" screen (no need to complete the purchase)
9. Close the Play Store and clear data for the Google Play Store application (Settings > Apps > Google Play Store > Clear Data) or clear your browser cache
10. Re-open the Play Store. You should now see the Play Store that matches your default payment method’s billing country.

Note that it may take a few hours for Google Play to match your default payment method's billing country.

If you haven't yet added a payment method to your account, add a card directly to the Google Play with a billing address that matches your intended country location.

To Register:
1. Download and install the PayMe app from the Google Play Store or Apple App Store.
2. After opening the app, you'll be prompted to register using your Facebook account or mobile number.
3. Provide your personal information.
4. Read and agree to the Terms and Conditions.
5. Verify your email address.
6. Set up a PIN.

This will create your PayMe account. To send money using PayMe, you'll be prompted for some additional information including a phone number, credit card number and in some cases a HKID.

PayMe is only available for use within Hong Kong.

For security, an email address can only be associated with one PayMe account at a time.

Using Facebook to create your PayMe account does not allow PayMe to post anything to your Facebook profile or timeline. Your data in your PayMe account will remain with PayMe only and will not be passed to Facebook.

When you log into PayMe using your Facebook account, PayMe will receive your Facebook public profile, your friends list, and your email address.  This will not allow PayMe to post to Facebook.  Your data on your PayMe account will remain with PayMe only and will not be passed to Facebook.

A digital wallet/e-Wallet is a software application, usually for a smartphone, that serves as an electronic version of a physical wallet.   It refers to an electronic device that allows an individual to make electronic transactions, such as 'Peer-to-Peer Transfer', 'Top Up' and 'Fund Out'.

Yes. PayMe is a "Digital Wallet / e-Wallet" which is an electronic device that allows an individual to make electronic transactions through the app to someone using their mobile phone number, including in 'P2P Transfer', 'Transfer Out to bank account' and 'Top Up with a credit card or bank account'. To be precise, PayMe is a Stored Value Facility, users can store value in PayMe wallet and make electronic transactions.