Services | Card terminals, Octopus and POS in one place
Payments, checkout, connectivity and promotion for new and existing merchants, with individual or bundled quotations.
Payments · POS · Connectivity · Promotion · Membership
From taking a customer's payment to encouraging their next visit, running a shop involves banks, payment providers, telecom operators, POS companies and promotion suppliers, each with different prices, contracts and technical requirements.
We provide one-stop merchant service . Choose individual or bundled services for your needs, and we handle quotations, applications, installation coordination and after-sales follow-up. New shops, restaurants, retailers and multi-branch SMEs can all find suitable options here.
- Nine services covering payments, POS, connectivity and promotion
- One contact for multiple suppliers
- Recommendations for your industry, budget and opening date
Merchant payments: cards, Octopus and electronic payments
Payments are central to a shop. Hong Kong customers use cards, Octopus, wallets and phones; a wider choice reduces lost sales. Combine these four options according to your customers and payment settings.
Card terminal and business bank-account applications
Help with merchant terminals and business bank accounts, simplifying applications and seeking more favourable rates.
- Visa, Mastercard and UnionPay acceptance
- Wired, wireless and mobile card terminals
- Wireless terminals for exhibitions, stalls and field work
Octopus payments and reader applications
Octopus reaches 98% of residents aged 15–64 and suits frequent small transactions.
- Octopus Reader 3.0 and Portable Processor 2.0
- Zero startup cost with the Octopus App for Business
- Combine with POS and broadband
Allinpay
Aggregated acquiring combines international cards, UnionPay and Hong Kong and mainland wallets on one device.
- Visa, Mastercard, JCB, AMEX, Diners, Discover and UnionPay
- WeChat Pay and Alipay
- Mobile terminals for payments away from the counter
mobile payment app
Use a phone for card payments, even when customers are away from your shop.
- Visa, Mastercard, AMEX and WeChat Pay
- Remote and online payments
- Card instalments, depending on the plan
Which payment option should you choose?
| Your requirement | Suggested option |
|---|---|
| Stable in-store card payment volume | Bank merchant card terminals |
| Frequent small purchases and local customers | Octopus payments |
| Many mainland visitors needing UnionPay and wallets | Allinpay |
| Deposits, booking fees and online orders | mobile payment app |
| Exhibitions, markets and on-site services | Wireless or mobile card terminals and portable Octopus processors |
Checkout and shop management: restaurant and retail POS
restaurant and retail POS systems
Full-featured and easy to use, with industry-specific modules, Octopus support and cloud backup.
- Restaurant POS: split bills, tables, tablet ordering, takeaway, queues and reservations
- Retail POS: purchasing, stock, membership points and multiple branches
- Online store, physical shop and mobile app together
Optitable reservation management
For SIM-equipped Android tablets, with visual seating and customer management.
- Facebook reservations and online payments or deposits
- Caller ID with immediate access to customer details
- Search “Optitable” on the Play Store for a free trial
POS handles orders, payment records, stock and reports. Connecting terminals and Octopus reduces manual amount entry and improves daily reconciliation. Confirm compatibility when choosing equipment.
Connectivity and promotional services
HKT Biz Wi-Fi
Provide customer Wi-Fi and promote offers on the login page to encourage spending.
- Branded login pages
- A choice of promotional advertising layouts
- Customer product-browsing reports
MRM membership app
Your own membership app to build the brand and deliver offers directly to members.
- Digital membership cards and stamps
- Digital coupons and limited-time offers
- Company and branch details
Digital signage and display advertising
Cloud-updated content replaces printed posters and menus for restaurants and retailers.
- Play videos, images and text
- Schedule playback dates and times
- Update content remotely
Other services available for quotation
We can also arrange quotations for the following. Please state your needs in the quotation form when enquiring:
- Business broadband: Compare providers such as PCCW Netvigator and HKBN; see partners
- CCTV: Shop security and operational monitoring
- SME financing: Referrals to options matching business needs
- Shop insurance: Referrals to cover appropriate to the business
Service overview table
| Plan | What it addresses | Best suited to |
|---|---|---|
| Card terminal applications | Card acceptance | All physical merchants |
| Octopus payments | Fast small payments | Restaurants, shops and convenience stores |
| Allinpay | Hong Kong and mainland payments on one terminal | Tourist-area shops and restaurants |
| mobile payment app | Remote and online payments | Beauty, travel, furniture and jewellery |
| POS system | Orders, checkout, stock and reports | Restaurants and retail shops |
| Reservation management | Bookings, seating and customer records | Restaurants and eateries |
| Biz Wi-Fi | Customer internet and login-page promotions | Restaurants, cafes and retailers |
| membership app | Retaining repeat customers | Industries with repeat purchases |
| digital displays | In-store promotion and digital menus | Restaurants and retail |
Choosing by industry
Restaurants, cafes and eateries
- Payments: wireless tableside card collection plus Octopus payments
- Checkout: restaurant POS system for split bills, tables, tablet ordering and takeaway
- Operations: Reservation management , digital menu screens
- Retention: digital stamps and member offers , Wi-Fi login-page promotion
Retailers and small shops
- Payments: a small-shop terminal and Octopus; for many visitors, add for UnionPay and wallets
- Checkout: Retail POS system for stock, membership points and online store integration
- Promotion: in-store digital displays
Beauty, aesthetics and professional services
- Payments: mobile payment app for remote deposits and card instalments
- In-store: merchant card terminal
- Retention: treatment stamps through the membership app
Mobile merchants, markets and exhibition stalls
- Payments: mPOS or a wireless terminal with built-in SIM
- Octopus: POP 2.0 or a mobile reader
- Multiple payment methods: Allinpay mobile terminal
Multi-branch SME
- Payments: SME terminals with rates negotiated on total turnover
- Checkout: multi-branch POS with synchronised data
- Brand: a dedicated membership app to manage members consistently
Opening checklist: when should payments and systems be prepared?
A common problem is finishing fit-out before broadband or terminal approval is ready, leaving a new shop cash-only. Prepare early in this order:
- After signing the lease: Check broadband coverage and book installation promptly.
- After business registration and bank-account setup: Submit terminal and Octopus applications, allowing time for approval.
- During fit-out: Choose compatible POS and reserve checkout power and network connections.
- Before opening: Install and test all payment equipment and train staff in payments, refunds and daily settlement.
- After opening: Add membership apps, Wi-Fi promotions, displays and reservations according to operations.
For terminal application documents and steps, see the homepage's Card terminal application guide .
Comparing card transaction fees, monthly charges and Octopus costs
| Service | Main charges | Questions to ask |
|---|---|---|
| merchant card terminal | MDR; some providers cite a general market range of about 1.2% to 5% | Monthly charges, rental, deposits, contract length and settlement |
| Octopus payments | Official standard fee 1.5%; new merchants opening by 31 December 2026 enjoy 1.3% | Equipment, installation and POS compatibility |
| Electronic payment solutions | Separate rates by payment method | Rates for each card and wallet, and promotional periods |
| POS system | Monthly, annual or per-transaction fees | Hardware rental or purchase, setup, training and contract length |
*General reference only. Actual charges depend on provider approval and contracts.
For detailed calculations, see Understanding transaction fees, monthly charges and other costs and Which card terminal provider? Six things to compare .
Our one-stop merchant service process
- Send an enquiry: Call 5324 7013 / 2350 0389 or complete the quotation form .
- Understand your needs: Industry, branch count, average sale, payment methods and whether wireless collection is needed.
- Recommendations and quotation: Suggest equipment and supporting services with key costs clearly listed.
- Application assistance: Help prepare documents for each provider's approval.
- Installation coordination: Coordinate broadband, payment equipment and POS installation.
- After-sales support: Application follow-up, installation coordination and everyday support referrals; maintenance and replacement terms follow supplier contracts.
FAQs: service options
Can I apply for just one service?
Yes. Octopus, terminals, POS, Wi-Fi and membership apps can be arranged individually or together, including offers such as Octopus plus broadband.
How do I choose the right plan?
Tell us your industry, branch count, average transaction and wireless payment requirements, and we will suggest equipment and services.
What does after-sales support include?
Application follow-up, installation coordination and referrals for everyday issues. Maintenance and replacement terms follow each supplier's contract.
What does a new merchant need at a minimum?
Usually broadband, payment equipment such as terminals and Octopus, and a checkout method such as POS or standalone devices. Restaurants may add reservations and retailers a membership app, in stages to suit the budget.
Do I need cards, Octopus and wallets?
It depends on customers and average spend. Octopus suits frequent small payments, cards suit larger amounts and overseas visitors, and wallets serve mainland visitors and QR users. Many merchants combine them or choose a multi-method smart terminal.
What are typical card transaction fees?
MDR is a percentage of each card transaction and varies by industry, volume, card type and acquirer. Some providers cite a general 1.2% to 5% range. Final rates depend on approval and contract.
What are Octopus transaction fees?
Official OR 3.0 and POP 2.0 standard fees are 1.5%, with 1.3% for new merchants successfully opening by 31 December 2026. New retail app accounts receive six fee-free months, then 1.3%. Terms apply. See Octopus electronic payment services .
Can POS connect to card terminals and Octopus?
Many POS systems connect to terminals and Octopus, but compatibility depends on brand, version and device model. Supply your existing equipment details before buying or replacing.
What are the benefits of applying together?
One contact coordinates broadband, payments and POS installation, reducing incompatibility. Some providers offer bundled promotions such as Octopus plus broadband. Supplier terms apply.
More questions? Contact us for a quotation or browse Card terminal and Octopus FAQs .
Want to compare terminal, Octopus and POS monthly and transaction costs? Leave your details for a prompt quotation.
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