Find answers about setting up a Smart Contract, credit card fees, SPLIT payments, and security on Keychain.
We only charge a transaction fee! (scroll right to see more) | 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 Individ...
Yes. Keychain 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 doesn’t store the original credit or debit card numbers that you use with us. And when you use credit or debit cards, your...
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
Understanding who we serve for and the purpose of using Keychain 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.
Yes. Please manage your payment methods in our Mobile App or Web App with your bill number.
Yes. Please manage your payment methods in our Mobile App or Web App.
Yes. Please adjust the rent amount in our Mobile App or Web App.
Yes. Please extend or terminate your Smart Contract in our Mobile App or Web App.
No. But, you may give your landlord a heads up that you will be paying via KeyChain. KeyChain 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 (...
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.
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.
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.
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.
Please submit your application 7-10 days before the leasing effective date to ensure sufficient time to process transactions and deposits.
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.
You can check through your bank statement or mobile banking app, or contact the card issuer for your rewards entitlement.
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.
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.
Your rewards are subject to your card issuer's terms and conditions. Please contact your card issuer for rewards entitlement.
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.
Yes. You can add another payment card on your existing Smart Contract before the next charge date.
Our rates remain unchanged! We charge on a pro-rata basis, for example, Rent: HK$20,000, Payment cards: 3 Mastercards, Transaction fee: 1.98%, SPLIT ratio: 5:3:2, So the transaction fee is only at a total of HK$396. ● Mastercard 1: (20,000 x 50%) x 1.98% = $198 ● Mastercard 2: (20,000 x 30%) x 1.98% = $118...
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...
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 business day of each month.
If you wish to extend your Smart Contract, please click on the Smart Contract details after logging in to the App, and click the "Extend Contract" button at the top of the page. You are not required to re-upload the full lease document if the original lease is still valid when you extend the Smart Contract...
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. Please enable the one-off payment option and input the total rent amount.
Yes, just submit the dates you need to pay this time and we will review your application.
We are sorry that we are unable to stop the rental payment for one month only. You may only terminate the Smart Contract. If you would like to continue using our services, please set up a new Smart Contract. Please terminate your Smart Contract with the following steps: Step 1: Select "Contract List” Step...
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.
Please open the menu, press "Contract List", select the corresponding Smart Contract, and then click "Payment Schedule" to view the subsequent debit dates.
Please open the menu, press "Contract List", select the corresponding Smart Contract. Then, please press "Payment" and press “Change Card & Distribution”. Next, select or add the payment card(s) you would like to pay with.