FAQ Summary


Benefits
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eWallet
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Payment Services: China & Hong Kong

What types of RMB/ CNY services and support for Mainland Chinese and Hong Kong customers do you offer?

Our partners include China UnionPay, WeChat Pay and Alipay and we offer multiple
channels of deposit and withdrawal services. Our focus is on secure, convenient, reliable
and efficient real-time deposit and withdrawal payment solutions.

Are PPG Payments available to customers outside of China and Hong Kong?

Yes, if your China UnionPay, Alipay or WeChat Pay account was created within China or
Hong Kong, you will have access to the facilities offered by PPG Payments.

How do I deposit money into my account using China UnionPay on my mobile?

Deposit procedure  for mobile users

How do I deposit money into my account using China UnionPay on my PC or desktop?

Deposit procedure for PC/desktop users

Which merchant collection banks does PPG Payments work with?

Merchant Collection Banks

How do I deposit money into my account using AliPay?

Ali Pay QR-Code Scan Deposit Procedure:

1.Enterthedepositamount
2.GenerateQR-Codefordeposit
3.OpenAlipayandScanQRCode
4.ConfirmAndPay
5.EnterPassword
6.PaymentCompleted!

 

How do I deposit money into my account via WeChat?

We Chat QR-Code Scan Deposit Procedure:

1.Enterthedepositamount
2.GenerateQRcodefordeposit
3.OpenWeChatandScanQRcode
4.ConfirmAndPay
5.Enterpassword
6.PaymentCompleted!

What are the chargeable rates per transaction?

Please refer to the Rates Table below. Please note that rates are subject to change at
PPG’s discretion. For the most updated rates, please contact us.
PPG Payments Rates Table:

Transaction Amount Per Month (USD)% Charge Per Transaction
<250,0004%
250,001 – 999,9993.50%
>1,000,0002.85%

What are the transaction limits?

Please refer to the PPG Payments Transaction Limits Table below. Please note that limits
are subject to change at PPG’s discretion. For the most updated limits, please contact us.
PPG Payments Transaction Limits Table*

Max. Limit Per Transaction (CNY)Max. Limit Per Transaction (USD Equivalent)
UnionPay5,000725
AliPay3,000435
Wechat3,000435

*There is no limit on the number of transactions per day or total amount transacted. The
daily transaction limit is subject only to transferor’s bank limits.
# Based on the daily CNY/USD exchange rate


Prepaid Card: White Label Services

What prior experience do I need in order to set up my own White Label Prepaid Card Program?

No prior experience or knowledge of running a prepaid card program required.

How can a White Label Prepaid Card Program help my business?

White Label Prepaid Card Programs help businesses in the following ways:
 Attract new customers and increase loyalty
Merchants benefit from increased customer and member loyalty by providing more
secure and more convenient access to cash, bonuses, and other payments.
 Increase Brand Loyalty
Prepaid cards come with their own unique identifies that can be utilised with loyalty
or reward programs. This allows you to track cardholder spending with you and your
partners, making loyalty schemes easier to manage and facilitate.
 Raise Brand Awareness
Cards can be customised, giving them the look and feel of your company or brand.
This gives you a unique, fully-branded prepaid card that can increase recognition and
awareness of your brand when your cards are used.
 Provide efficient and better cash management
A prepaid card program will remove money transfer problems by facilitating corporate
payroll, commission payouts, affiliate programs, loyalty and reward payments, and
many other payment solutions.
 Comprehensive reporting tools
The web-based PPG Portal provides access to comprehensive reporting tools for
better customer management.
 Useful Cardholder Data
Program owners have access to cardholder data, allowing you to break down
spending by merchant class for marketing purposes, track spending with partners
and identify cardholder trends.

What can the White Label Prepaid Card be used for?

The White Label Prepaid Card can be used for the following purposes:
Payroll
Incentive
Pension Payments
Marketing
Remittances
Day to Day card usage
Travel and Entertainment

What are the benefits of a White Label Prepaid Card?

Accepted worldwide
No monthly statements or interest payment
Easy 24 hour online access to account information
Worldwide accessibility through POS terminals and ATMs
Available in multiple currencies
Online access and transfers
Issued with or without cardholder’s name

Branded with your own logo and design

Is PPG able to integrate with my existing website?

PPG offers a seamless integration and our API offers a full-service suite of powerful
integration options, allowing you to incorporate cardholder services into your existing
applications and websites.

Will the White Label Prepaid Card Program Owner be able to decide on Cardholder fees?

Yes, PPG allows program owners to customise their fee profile. The fees that cardholders
are charged for using your cards, along with the revenue share you make on these fees as
program owners, can be customised.

How long does it take to bring a new White Label Prepaid Card Program to Market?

It typically takes 3-4 months* to bring a new white label prepaid card to market once the
issuer has granted approval.
* Every application varies and is subject to approvals

What will the White Label Prepaid Card Program Cardholders get?

Cardholders will receive a generic reloadable prepaid card with a Secured EMV Chip and
PIN that works just like any credit/debit card, allowing cardholders to make purchases
online, in-store or over the phone, as well as to withdraw cash from ATMs.
Cardholders have full access to their accounts via their own Cardholder Portals. The
Cardholder Portal is a full online banking tool for managing and accessing card accounts
and perform the following transactions :
• Upgrade card limits
• View transaction history
• Manage personal profile
• Check balance and account info
• Report lost/ stolen card
• Request a plastic card to be mailed to their address
• Perform Card2Card transfers


Submerchant Program: Greneric Card Services
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Hua Prepaid Card

Is the Hua Card available as a Submerchant Program Card?

Yes, the Hua Card is also available as a Submerchant Program Card.

What does “Hua” mean?

“Hua” is the anglicized spelling of a Chinese character “华” that symbolizes wealth and
prosperity. “华” also means “Chinese”, a nod of respect to the Chinese culture and heritage
of PPG’s headquarters in Hong Kong. The unique design on the card is a play on the
character “华”, which we believe it is a lucky symbol and hope will bring even more wealth
and prosperity to our members.

What is the cost of opening a Hua Card Program?

PPG charges a one-time, non-refundable set up fee of USD 3000 to open a
PPG Hua Card Submerchant account.

Who can become a Hua Card Submerchant?

In general, the Hua Card Submerchant can be a corporate entity or an individual.

How long does it take to start a Hua Card Submerchant Program?

It typically takes between 3 to 5 weeks to bring a new Submerchant’s Hua Card Program to
market upon KYC approvals. The nature of your business and industry it is related to will
influence the KYC approval process.

What will the Hua Card Submerchant have access to?

Hua Card Submerchants have access to cardholder data via the PPG Portal. Other services
allowing you to break down spending by merchant class for marketing purposes, tracking
spending with partners and identifying cardholder trends are available on request.
PPG offers a discounted a Know Your Customer (KYC) Verification program to assist in the
KYC process for prepaid card application and issuance.
Submerchants also can have access to a discounted bundling offer with a comprehensive,
annual multi-trip family travel insurance as an added benefit for their cardholders.

What are the Hua Card Cardholder limits?

All initial Cardholders, upon submission of Proof of ID and Proof of Address and having
cleared Stage 2 KYC, will be able to load up to USD/ EUR/ GBP 80,000.00 per year.
Upon submission of Proof of Source of Funds at Stage 3 KYC, Cardholders will be able to
load up to USD/ EUR/ GBP 200,000.00 per year. Please contact us for more information or
to request for a copy of the PPG Submerchant Presentation Deck.

What will the Hua Card Cardholder receive?

Hua Card Cardholders will receive a generic reloadable prepaid card with a Secured EMV
Chip and PIN that works just like any credit/debit card, allowing cardholders to make
purchases online, in-store or over the phone, as well as to withdraw cash from ATMs.
Cardholders have full access to their accounts via their own Cardholder Portals. The
Cardholder Portal is a full online banking tool for managing and accessing card accounts
and perform the following transactions:
• Upgrade card limits
• View transaction history
• Manage personal profile
• Check balance and account info

• Report lost/ stolen card
• Request a plastic card to be mailed to their address
• Perform Card2Card transfers

What is the Minimum Order Quantity (MOQ)?

MoQ is dependent on the industry that the Submerchant’s company is in. PPG
representatives will be able to advise Submerchants on the MoQ required.


Verify
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Portal
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