Bill Payment to Merchants in Hong Kong
e-Bill Service and e-Receipt
Transaction Records

Bill Payment to Merchants in Hong Kong
  1. Maximum Daily Payment Limit
    • The maximum daily limit for payment via HKD savings or current account is HKD50,000.
    • The maximum daily limit for online tax payment to Inland Revenue Department:
      • BOC Credit Card: HKD500,000 or the available limit of your card (whichever is lower)
      • BOC Commercial Card:HKD30,000 or the available limit of your card (whichever is lower)
    • Other than tax payment, the maximum daily limit for online bill payment:
      • BOC Credit Card and BOC Express Cash Revolving Credit:HKD50,000 or the available credit limit of your card (whichever is lower)
      • BOC Commercial Card: HKD30,000 or the available credit limit of your card (whichever is lower)
    • The maximum daily limit for payment to the Bank’s Designated Merchants (merchants marked with *) is defaulted to zero. You can set the limit up to HKD500,000 through Internet Banking using Two-factor Authentication. Request to increase the limit up to HKD1,000,000 (or its foreign currency equivalent) must be made at any of the branches of Nanyang Commercial Bank Corporation.

    Please note that all transactions through Internet and Mobile Banking must be within the respective maximum daily payment limits stated above.

  2. Payment by Account
    • If your payment instruction cannot be processed, you will be notified by email and SMS.

  3. Payment by BOC Credit Card and Application for Bill Payment Instalment Service
    • If your payment instruction cannot be processed, you will be notified by email.
    • Please refer to the details as shown on your bill to set up the payment instruction. If you have any queries, please contact the related merchants.
    • If specified requirements are met, each of your bill payment transactions can be paid by instalment. This Bill Payment Instalment Service is subject to a monthly handling fee and/or a one-time administration fee (depending on the available promotional offer). The status of service application can be checked via "Transaction Records" under the "Bill Payment" section. For early repayment, you have to pay the sum of the outstanding monthly instalments, the monthly handling fee, the one-time administration fee (if any) and the early repayment administration fee.

  4. Notice for the payment made by BOC Credit Card or BOC Express Cash Revolving Credit:
    • Execution results of all bill payment instructions (including forward dated, regular payment and current payment instructions) will be posted on the "Internet Banking Bill Payment - Transaction Record" section after 8:30 pm (Hong Kong time, Mondays to Fridays) and 1:30 pm (Hong Kong time, Saturdays) on the execution date. If your payment instruction cannot be executed successfully, you will be notified by e-mail after 8:30 pm (Hong Kong time, Mondays to Fridays) or 1:30 pm (Hong Kong time, Saturdays) on the execution date.
    • Online Bill Payment Service is not applicable to cardholders of BOC Prepaid Card, Private Label Card, Purchasing Card, USD Card, Additional Card, Great Wall International Credit Card, as well as BOC Credit Cards and Prepaid Card issued in Macau.
    • Handling fee waiver is offered for payment of bills to merchant by a BOC Credit Card to the merchant bills. For payment to the merchant bills of "Banking and Credit Card Services", "Credit Services" and "Securities Broker", a handling fee of BOC Credit Card Balance Transfer will be charged and posted to your corresponding card account. For details, please click here.
    • A handling fee of 2% of the transaction amount plus HKD20 will be charged on each transaction paid by BOC Express Cash Revolving Credit. The handling fee and the related charge will be deducted from your BOC Express Cash Revolving Credit account.
    • For online bill payment by BOC Visa Infinite Card, BOC CUP Dual Currency Diamond Card, BOC World MasterCard, BOC Visa Signature Card, BOC Platinum Credit Card, BOC Titanium Credit Card or BOC Commercial Credit Card, you can earn 1 Gift Point for every HKD1 you pay. For bill payments made to other merchant categories via Online Bill Payment, "JET Payment", Octopus Automatic Add Value Service transactions, person to person (P2P) fund transfer via mobile device/app/electronic platform as well as retail transactions under Supermarket, Convenience Store, Grocery Stores, Miscellaneous Food Stores and Government Department categories, each eligible BOC credit card's main card and additional card account is entitled to an aggregate maximum of 10,000 Gift Points# per statement cycle.
    • The Gift Point Reward Program is not applicable to bill payment made to payees such as the "Inland Revenue Department" or those listed under the merchant category of "Banking and Credit Card Services", "Securities Broker", "Credit Services" or under the bill type of "Policy Loan Repayment" as well as online bill payment by means of BOC Classic/Gold Credit Card or BOC Express Cash Revolving Credit.
    • The Cash Rebate offer is not applicable to bill payment made to payees such as the "Inland Revenue Department" or those listed under the merchant category of "Banking and Credit Card Services", "Securities Broker", "Credit Services" and under the bill type of "Policy Loan Repayment". For bill payments made to other merchant categories via Online Bill Payment, "JET Payment", Octopus Automatic Add Value Service transactions, person to person (P2P) fund transfer via mobile device/app/electronic platform as well as retail transactions under Supermarket, Convenience Store, Grocery Stores, Miscellaneous Food Stores and Government Department categories, each eligible BOC credit card's main card and additional card account is entitled to an aggregate maximum of HKD50 Cash Rebate# per statement cycle.

    # Effective from 3 January 2018, the person to person (P2P) fund transfer via mobile device/app/electronic platform category will be included for maximum cap of Gift Points or Cash Rebate entitlement per statement cycle.

  5. Using two-factor authentication
    • You can set up payment instructions for bills of the "Government or Statutory Organisation", "Public Utility", "Primary or Secondary Education" and "Post-secondary or Specialised Education" without the use of two-factor authentication.
    • To pay the bills of merchants other than the aforesaid categories, you are required to use two-factor authentication when first time submitting the payment instructions. Once finished, the bill will be registered automatically for future payments, and you will receive SMS notification at the same time.
    • If you have not activated the two-factor authentication, please visit any of our branches for registration.

  6. View Merchant Details
    • You can enquire the "Description on Bill Account" for the merchant's Reference Number via "Merchant Details" link on "Bill Payment" input page.

  7. Effective Date
    • You can choose "Pay Now" or "Pay Later On".
    • "Pay Now":
      • For payment by account: the "Pay Now" instruction will be executed on the same day (depending on the arrangement of the corresponding merchant).
      • For payment by BOC Credit Card/BOC Express Cash Revolving Credit: the "Pay Now" instruction placed before the cut-off time (3:00 pm from Mondays to Fridays; and 10:00 am on Saturdays, except public holidays, both in Hong Kong time) will be executed on the same day (depending on the arrangement of the corresponding merchant).
      • For payment by account with e-Receipt required: the "Pay Now" instructions placed before the cut-off time (12:00 noon from Mondays to Fridays, except Saturdays and public holidays, in Hong Kong time) will be executed on the same day. Instructions submitted after the cut-off time will be executed on the next working day (depending on the arrangement of the corresponding merchant).
      • For payment with e-Receipt required: the "Pay Now" instructions placed before the cut-off time (12:00 noon from Mondays to Fridays, except Saturdays and public holidays, in Hong Kong time) will be executed on the same day. Instructions submitted after the cut-off time will be executed on the next working day (depending on the arrangement of the corresponding merchant).
      • If typhoon signal number 8 or above/black rainstorm signal is hoisted, execution of the payment instruction may be postponed to the next working day.
    • "Pay Later On": you can preset a payment instruction to be effective within the next 45 days. Instructions to be effective on the Saturdays will be executed on the next working day (depending on the arrangement of the corresponding merchant). Instructions to be effective on the non-working days will be executed on the next working day.

  8. Arrival Date
    • The payment will generally be credited to the account within 1-3 working days after the payment instruction is executed (depending on the arrangement of individual merchants).

  9. My Bill List
    • The bills of confirmed bill payment transactions will be saved automatically under "My Bill List". The payment details, including merchant name, bill number and bill type, will be stored for your future payment.
    • You can save up to 100 bills.
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e-Bill Service and e-Receipt

e-Bill Service
    Our Bank offers you a convenient e-Bill Service. e-Bill is an electronic bill issued in a prescribed format by a Participating Merchant ("Participating Merchant") of the Electronic Bill Presentment and Payment Service launched by the Hong Kong Monetary Authority ("HKMA"). Upon successful registration of our e-Bill Service and enrolment for the e-Bills of the Participating Merchants, you can view your latest e-Bills and settle the bills in HKD, CNY and USD via Internet Banking. Please click here to view the Customer Terms and Conditions for Electronic Bill Presentment and Payment Service.

  1. Create e-Bill
    • You can register to receive the e-Bills issued by the Participating Merchants via "My Bill List > e-Bill Details > Create e-Bill" and accepting the relevant Terms and Conditions of e-Bill Service.
    • Upon registration, you can view the related e-Bill and set up bill payment instructions via Internet Banking. Please click here to view the list of the Participating Merchants.
    • Whether the request for e-Bill enrolment is successful or not, and the required processing time are subject to the sole discretion of the individual Participating Merchants. For enquiries of the enrolment status, please contact the relevant Participating Merchant directly.
    • Upon receipt of your request for e-Bill enrolment through our bank, the Participating Merchant may require up to 60 calendar days to process your request. If the process takes over 60 calendar days, your request will be rejected by the Participating Merchant and cancelled automatically. Enrolment of the e-Bill must be made again if you require the service.
    • If no e-Bill has been issued by the Participating Merchant or no e-Bill has been received by you for 36 consecutive months upon enrolment, the enrolment will be cancelled automatically. Enrolment of the e-Bill must be made again if you require the service.
    • You can enrol for each e-Bill with a maximum of 5 banks/institutions which have participated in the Electronic Bill Presentment and Payment Service of the HKMA. Your last request for enrolment of the e-Bill will be rejected if you have enrolled for the e-Bill with more than 5 banks/institutions. You are required to cancel your e-Bill enrolment with any one of the banks/institutions before enrolling for the e-Bill again on the next working day.
    • You can also enrol to receive a third party's e-Bill. However, prior consent of the bill owner must be obtained. The Bank will collect the personal information of the bill owner with regard to the service and provide such information to the Participating Merchant for verification of identity. Whether the enrolment is successful or not is subject to the reply of the Participating Merchant at its sole discretion. For enquiry of the enrolment result, please contact the relevant Participating Merchant directly.
    • If registration of the same e-Bill, which is deleted on the same day, is required again that day, you can submit the application on the next working day.

  2. Retention Period of e-Bill
    • e-Bill will be retained for up to 13 months.

  3. Notice for receiving e-Bill
    • The e-Bill will be uploaded to the Internet Banking for your viewing within 2 days upon our receipt of the e-Bill issued by the Participating Merchant.
    • If you wish to receive an email alert upon arrival of the e-Bill and/or prior to the payment due date, you can register for the service via "Assistant > e-Alert".
    • e-Bill only displays the bill summary provided by the Participating Merchant (such as the bill number, the bill amount and payment due date, etc). For enquiries of the bill summary, please contact the relevant Participating Merchant directly.
    • If you need a detailed bill, please view the bill provided by the Participating Merchant or make your request to the merchant directly.

e-Receipt
    e-Receipt is an electronic receipt issued in a prescribed format by a Participating Organisation ("Participating Organisation") of Electronic Bill Presentment and Payment Service launched by HKMA . Upon successful payment/donation to the Participating Organisations via Internet Banking, you can choose to receive and view the related e-Receipt via Internet Banking and/or email (if applicable). Please click here to view the Customer Terms and Conditions for Electronic Bill Presentment and Payment Service.

  1. Notice for receiving e-Receipt
    • When making payment/donation, you can select "e-Receipt" via "Bill Payment" input page as well as input the name and email address (if applicable), and the e-Receipt will be provided by the Participating Organisation to you via Internet Banking and/or email (if applicable).
    • The e-Receipt will be uploaded to the Internet Banking and/or sent to your registered email address (if applicable) within two days for your viewing upon our receipt of the e-Receipt issued by the Participating Organisation.
    • The information of the e-Receipt is provided by the Participating Charitable Organisation. For enquiries, please contact the relevant Participating Charitable Organisation directly.
    • The information of the e-Receipt is provided by the Participating Organisation. For enquiries, please contact the relevant Participating Organisation directly.
    • The channel (i.e. via Internet Banking and/or email) of receiving the e-Receipt is subject to the discretion of the relevant Participating Organisations. Some of the Participating Organisations may provide the e-Receipt via both Internet Banking and email.

  2. Retention Period of e-Receipt
    • e-Receipt will be retained for up to 13 months.
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Transaction Records
  1. Enquire
    • You can enquire bill payment records of the past 45 days (including today).

  2. Amend
    • You can amend bill payment instructions under the "Processing (Scheduled)" or "Processing" status.

  3. Cancel
    • You can cancel bill payment instructions under the "Processing (Scheduled)" or "Processing" status.
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