HBL Pay uses your phone’s Near Field Communication (NFC) technology to securely exchange data between your phone and POS machines with contactless technology.

Currently, this service is only available for HBL CreditCards.

This service is only available on Android phones with Android 6.0+ and NFC capability.​

​No, HBL Pay only accepts cards from HBL.

​Yes, it is necessary to have an unlock method on your phone to use HBL Pay.

Step 1: Login to HBL Mobile and tap on HBL Pay under the credit card section on the home page.

Step 2: Select the card that you want to add to HBL Pay and your phone will be scanned to see if it metes the requirements.

Step 3: Agree to the terms and conditions and your phone will be ready to make payments through HBL Pay.

You can disable/remove a card from HBL Pay by going to Card Management on HBL Mobile and tapping on Manage HBL Pay.​

If you delete HBL Mobile, your card will be removed from HBL Pay but you can still use your physical card to conduct transactions.

All the cards added to HBL Pay on your phone will be removed.​

HBL Pay can be used to make payments at any merchant with a contactless enabled POS machine that shows this symbol.​

Step 1: Look for on the POS machine.

Step 2: Merchant enters the transaction amount.

Step 3: Unlock your phone and tap or hold your phone over the contactless reader to perform the transaction.

​No, you will not be able to use HBL Pay if your phone has Near Field Communication (NFC) turned off.

HBL Pay is an alternate to your physical card and your physical card can be used while your card is added to HBL Pay.​

Yes, you need to set a default card to pay using HBL Pay.

To change the default card on the app, go to Manage HBL Pay under Card Management on HBL Mobile and set the card of your choice as default by tapping on Set Default.​

​HBL Pay is an alternate to your physical card and you can only use active cards for HBL Pay.

To know if your transaction through HBL Pay has been conducted, please check the POS machine for confirmation.​

HBL Pay is an alternate to your physical card and all controls on the physical card apply to HBL Pay. If the transaction is not going through, please contact HBL PhoneBanking at 111-111-425​.

​To view the transaction history, go to Manage HBL Pay under Card Management on HBL Mobile and the last 10 transactions conducted using HBL Pay will be visible.

​Transaction history under Manage HBL Pay will always show the last 10 transactions conducted with HBL Pay. To view all the transactions conducted using your credit card, please go to card statement available on the home screen of HBL Mobile.

​Yes, you can use HBL Pay internationally where contactless transactions are accepted.

No, you do not need an active internet connection to make payments using HBL Pay. You may be asked to connect to the internet if HBL Pay detects unusual behavior.​

HBL Pay is an alternate to your physical card. So any change made to your physical card will also have an impact on HBL Pay. For example, if you block your physical card, you won’t be able to conduct transactions using HBL Pay.​

​HBL Pay is an alternate to your physical card and all transactional limits of the physical card apply to HBL Pay.

​HBL Pay is extremely secure, as it is developed according to the latest tokenization standards set by both Visa and Mastercard. HBL Pay is a safer way to transact and pay as it prevents anyone from capturing the card’s sensitive data.

Transactions can only be conducted using HBL Pay once you authenticate the transaction by using the unlock mechanism on your phone.​

​No, you will be required to authenticate the transactions using your phones unlock mechanism and no PIN/signature will be required to authenticate the transactions.

In case of a lost or stolen phone/card, please contact HBL PhoneBanking at 111-111-425 to block your card. If you do not share your phone’s unlock mechanism, no one will be able to use your card through HBL Pay.​

​To know if the POS accepts HBL Pay, you need to look for the on the machine or ask the merchant for the contactless payment terminal.

​Yes, there are no additional charges to use this feature.