FAQ
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Contract
Payment
Security
Rewards
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What fees does KeyChain Pay charge?
We only charge a transaction fee!
| Residential & Carpark | Commercial | ||
|---|---|---|---|
| Domestic Individual HSBC Mastercard or Visa cards | 1.8% | 1.98% | |
| Domestic Individual HSBC UnionPay cards* | 0.8% | 0.98% | |
| Domestic Individual Mastercard or Visa cards(non-HSBC) | 1.98% | 2.5% | |
| Domestic Individual UnionPay cards(non-HSBC)* | 0.98% | 1.98% | |
| Mainland China UnionPay cards* | 2.98% | ||
| International cards / Corporate cards / Apple Pay^ / Google Pay^ | 2.9% | ||
| American Express | 3.3% | ||
*UnionPay card is only applicable for rent above or equal to HK$10,000 (excludes transaction fee).
^Apple Pay / Google Pay is only applicable for rent below HK$10,000 (excludes transaction fee).
Is paying rent online safe? Do you store my credit or debit card information?
Yes. KeyChain Pay mobile APP and Web Portal are PCI-DSS
certified (Payment Card Industry Data Security
Standards), and data is subject to bank-level security
measures.
Learn More.
KeyChain Pay doesn’t store the original credit or debit card numbers that you use with us. And when you use credit or debit cards, your transaction involves (i) the authorised token in the case of Apple Pay or Google Pay, or (ii) the last 4 digits of your credit or debit card number.
KeyChain Pay doesn’t store the original credit or debit card numbers that you use with us. And when you use credit or debit cards, your transaction involves (i) the authorised token in the case of Apple Pay or Google Pay, or (ii) the last 4 digits of your credit or debit card number.
How do I set up a Smart Contract?
Setting up is easy and can be done in as quick as 5
minutes:
⋅ Basic tenancy information
⋅ Landlord's contact number and bank account
⋅ Tenancy Agreement and stamp proof (or CR109)
⋅ Credit or debit card
⋅ Basic tenancy information
⋅ Landlord's contact number and bank account
⋅ Tenancy Agreement and stamp proof (or CR109)
⋅ Credit or debit card
Why do you need Tenancy Agreement?
Understanding who we serve for and the purpose of using
KeyChain Pay is vital to detecting and deterring
fraudulent use and abuse of cards as well as money
laundering. Please upload the Tenancy Agreement and
stamp proof.
How to pay rent for Public Housing?
Rent payment for Public Housing is supported on Mobile
App and Web App. Monthly application is required for
now.
Can I change, add, or remove payment methods?
Yes. Please manage your payment methods in our Mobile
App or Web App.
Can I adjust the rent amount?
Yes. Please adjust the rent amount in our Mobile App or
Web App.
Can I extend or terminate my Smart Contract?
Yes. Please extend or terminate your Smart Contract in
our Mobile App or Web App.
Does my landlord need to register too if I use KeyChain Pay to pay rent?
No. But, you may give your landlord a heads up that you
will be paying via KeyChain Pay.
When do you charge on my credit or debit card? Can I set the charge date?
Our AI decides the charge date for you. The AI predicts
the most appropriate charge date so to ensure rent is
arrived on time. The charge date is about 1-10 business
days ahead of your monthly leasing effective date. We do
not allow any manual set up on the charge date.
When will my landlord receive the rent? Can I set when to deposit into my landlord's bank account?
In general, your landlord will receive your rent on the
leasing effective day of each month.
Our AI ensures your rent will be arrived on time. We do not allow any manual set up on both of the dates.
You may log in to our Mobile App or Web App to check the estimated or the latest deposit date.
Our AI ensures your rent will be arrived on time. We do not allow any manual set up on both of the dates.
You may log in to our Mobile App or Web App to check the estimated or the latest deposit date.
Can you let my landlord know when the rent is transferred?
Yes. If the landlord's email address is provided in your
application, we will send an email notification to the
landlord when the rent is transferred to his/her bank
account. You may log in to our Mobile App or Web App to
check the estimated or the latest deposit date.
What if my credit card does not have enough limits?
When paying with us for the first time, we put a
withholding of your rent with our transaction fee in
your card.To make sure you have enough credits
available, please settle any outstanding balance or
contact your card issuer to increase your card limits
before application.
When shall I submit the application?
Please submit your application 7-10 days before the
leasing effective date to ensure sufficient time to
process transactions and deposits.
Which card I can earn most on?
You can refer to our Rewards Calculator
HERE.
*The results are dependent on an online merchant simulation and displayed for reference only. You should contact your card issuer for confirmation.
*The results are dependent on an online merchant simulation and displayed for reference only. You should contact your card issuer for confirmation.
How do I confirm how much I earn on my credit or debit card?
You can check through your bank statement or mobile
banking app, or contact the card issuer for your rewards
entitlement.
How to start using SPLIT?
Just three easy steps:
Step 1: Select "Payment Method".
Step 2: Select 2 or 3 cards for SPLIT.
Step 3: Set split ratios for each card.
How many payment cards I can use to pay?
You can use up to three cards each time - feel free to
split with any of your credit or debit cards to pay.
We do not support Apply Pay and Google Pay for SPLIT at the moment.
We do not support Apply Pay and Google Pay for SPLIT at the moment.
Can I earn rewards on all payment cards?
Your rewards are subject to your card issuer's terms and
conditions. Please contact your card issuer for rewards
entitlement.
Is there any limit on rent amount for SPLIT?
The minimum rent amount on SPLIT for 2 cards is set at
HK$10,000 or above on Smart Contract, while SPLIT for 3
cards requires a minimum of HK$20,000 or above.
I have a running Smart Contract. Can I still use SPLIT to pay my rent?
Yes. You can add another payment card on your existing
Smart Contract before the next charge date.
How to calculate transaction fee for SPLIT?
Our rates remain unchanged! We charge on a pro-rata
basis, for example,
Rent: HK$20,000,
Payment cards: 3 Mastercards, Transaction fee: 2.1%, SPLIT ratio: 5:3:2,
So the transaction fee is only at a total of HK$420.
● Mastercard 1: (20,000 x 50%) x 2.1% = $210
● Mastercard 2: (20,000 x 30%) x 2.1% = $126
● Mastercard 3: (20,000 x 20%) x 2.1% = $84
Rent: HK$20,000,
Payment cards: 3 Mastercards, Transaction fee: 2.1%, SPLIT ratio: 5:3:2,
So the transaction fee is only at a total of HK$420.
● Mastercard 1: (20,000 x 50%) x 2.1% = $210
● Mastercard 2: (20,000 x 30%) x 2.1% = $126
● Mastercard 3: (20,000 x 20%) x 2.1% = $84
When and how will the rebate be deducted?
Rebates are not deducted from the credit card
authorization amount and are only deducted when the card
is formally charged.
The rebate will be used to deduct the transaction fee when the transaction fee is higher or equal to the total amount of the rebate. The rebate will be used to deduct the transaction fee in your next payment with us.
The rebate will be used to deduct the transaction fee when the transaction fee is higher or equal to the total amount of the rebate. The rebate will be used to deduct the transaction fee in your next payment with us.
For public housing, when will the Housing Authority receive my rent?
Generally, your rent will be paid to the Housing
Authority about one week after your application has been
submitted and approved, or on or before the last working
day of each month.
If the tenancy agreement is about to expire, but I am ready to renew the tenancy, can I extend the tenancy period directly in the App to continue to pay the rent?
If you wish to extend your Smart Contract, please click
on the Smart Contract details after logging in to the
App, and then click on the "Extend Contract" button at
the top of the page.
If you want to extend your Smart Contract, you do not need to re-upload the full lease document if the original lease is still valid when you extend the Smart Contract.
However, if the originally uploaded lease lapses when you extend the Smart Contract, you need to re-upload the complete lease document. Please submit your application 10 working days before the commencement date of the tenancy due to the time required for transaction processing and billing.
If you want to extend your Smart Contract, you do not need to re-upload the full lease document if the original lease is still valid when you extend the Smart Contract.
However, if the originally uploaded lease lapses when you extend the Smart Contract, you need to re-upload the complete lease document. Please submit your application 10 working days before the commencement date of the tenancy due to the time required for transaction processing and billing.
Can I pay in advance? Can I pay more than one month's rent at a time?
You may apply for a one-off payment for a certain
period, as long as it is stated in your Tenancy
Agreement or with other valid proofs. You may set up a
one-month Smart Contract and input the total amount of
rent for one payment.
The lease is long-term, lasting several years. But is it possible to pay only part of (one of) the short term? For example, my lease is for two years, but I want to pay for one month only.
Yes, just submit the dates you need to pay this time and
we'll review it.
Can I stop rent payments for only one month?
We are sorry that we are unable to stop the renal
payment for one month only. You may only terminate the
Smart Contract. But if you want to continue next month,
you can set up rent payments again.
Please terminate your Smart Contract with the following steps:
Step 1: Select "Contract List”
Step 2: Choose the corresponding Smart Contract
Step 3: Click the address to enter the detail page of the Smart Contract
Step 4: On the top of the page, you should be able to find the (Termination) button.
Please terminate your Smart Contract with the following steps:
Step 1: Select "Contract List”
Step 2: Choose the corresponding Smart Contract
Step 3: Click the address to enter the detail page of the Smart Contract
Step 4: On the top of the page, you should be able to find the (Termination) button.
Can I use my partner's credit card to pay the rent?
Generally, we recommend using the tenant's own credit
card(s), but you can still submit the application with a
different card combination. The outcome of the Smart
Contract application is subject to the sole decision by
AI and our company.
How can I view the detailed debit date for the payment schedule?
Please open the menu, click "Contract List", select the
corresponding Smart Contract, and then click "Payment
Schedule" to view the subsequent debit date.
How to change the payment card?
In the "Payment" section, please press “Select Payment
Method” or “Change Credit Card & Distribution”. Select
or add the payment card(s) you would like to pay with.