Mastercard Cardholders Can Top Up Octopus on iPhone and Apple Watch with Apple Pay

June 3, 2020 | Hong Kong

Mastercard today announced that Hong Kong cardholders can top up their Octopus on iPhone and Apple Watch with Apple Pay, further pushing forward the development of Hong Kong as a smart city.

Users can set up their Octopus in the Wallet app on iPhone with just a few taps, enhancing convenience and personal safety by not having to queue or touch a top-up machine. It’s easy to top up the Octopus card on the go and provide the initial stored value and deposit for the newly created Octopus using Apple Pay on iPhone with a Mastercard card.

Mastercard cardholders simply select their Octopus card in Wallet on iPhone, tap “Add Money”, enter the desired top-up amount (minimum HK$100), and securely authenticate the transaction with Face ID, Touch ID or their device’s passcode. Cardholders can also create a new Octopus card and top up in the Octopus app.

Security and privacy are at the core of Apple Pay. Apple does not know where you’ve travelled, what you bought, where you bought it, or how much you paid. Every Apple Pay purchase is secure because it is authenticated with Face ID, Touch ID or device passcode, as well as a one-time unique dynamic security code.

When using a credit, debit or prepaid card with Apple Pay, actual card numbers are not stored on the device or on Apple servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, an industry-standard certified chip that stores the payment information safely on the device.

Mastercard is working with its issuing partners in Hong Kong, including Bank of China (Hong Kong), China CITIC Bank International Limited, China Construction Bank (Asia), Citibank (Hong Kong) Limited, Dah Sing Bank, DBS Bank (Hong Kong) Limited, Hang Seng Bank, HSBC, Standard Chartered Bank, The Bank of East Asia and Tap & Go by HKT, to let their customers use their Mastercard credit, debit and prepaid cards, to top up their Octopus on iPhone and Apple Watch securely with Apple Pay (where applicable).

From today onwards, consumers can make contactless payments using Octopus on Apple Pay with their iPhone or Apple Watch at all Octopus acceptance points. Octopus is available to users in Hong Kong with iPhone 8 and Apple Watch Series 3 or later. They must update to iOS 13.5 and watchOS 6.2.5 to add Octopus to iPhone and Apple Watch.

For more information about Octopus on Apple Pay, please contact the issuing bank or institution.

About Mastercard (NYSE: MA),

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.


Mastercard Communications Contact

Karen Lo

Janus Lau


Mastercard’s Agency Communications Contact

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Sam Cho
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