Frequently Asked Questions

Log in to PanPay Online Banking, visit the PanPay Authenticator page, complete SMS verification, and obtain your authenticator key. After activation, you can use the PanPay WeChat Mini Program to generate dynamic verification codes for login and transaction authorization. For details, see the PanPay Authenticator page.

Customer funds are segregated from operating funds and safeguarded in accordance with applicable regulatory requirements. PanPay also maintains KYC, AML, transaction monitoring, sanctions screening, and ongoing review processes to help manage financial crime risks.

A same-name top-up refers to funding your PanPay account from another account held under the same company name. Funds can then be used for FX, payments, or withdrawals, subject to account permissions and eligibility.

PanPay supports a range of cross-border e-commerce and digital commerce collection scenarios, including marketplace settlements, independent stores, supplier payments, and multi-currency fund management.

In most cases, applications with complete documentation can be reviewed within 1–2 business days. Additional review may be required depending on business structure, ownership, or compliance requirements.