Hong Kong Taxi Payment Methods Explained|A Practical Guide to Cash, Octopus, PayMe, FPS, Alipay and Credit Cards
First, the most important sentence: Hong Kong law does not require taxis to accept electronic payment — so cash is the only method guaranteed on any licensed taxi. Whether Octopus, credit card, PayMe, FPS, Alipay or WeChat Pay is available depends on whether that particular vehicle has the corresponding payment equipment or account. This page explains in detail the actual situation for eight payment methods on taxis, large-note change, the difference between mainland Alipay and AlipayHK, receipts and reimbursement, and how to handle payment disputes.
The Most Important Thing: Electronic Payment Is Not Mandatory
This is a fact many websites don't dare mention — but you need to know it
⚠️ Hong Kong law does not require taxis to accept electronic payment
The statutory taxi fare table specifies the fare and statutory surcharges ($6 per luggage piece, $5 per animal or bird, $5 per booking, wheelchairs and crutches free), but does not mandate that drivers accept any electronic payment method.
In other words: cash is the only method accepted on every licensed taxi. Whether you can use Octopus, credit card, PayMe, FPS, Alipay or WeChat Pay depends entirely on the specific vehicle you board and whether it has the corresponding reader, terminal or receiving account.
So we ask you to state this when booking
This isn't extra hassle — it's the only way to guarantee you can actually pay when you get out. Tell us on WhatsApp "I'd like to use FPS" or "I'd like to use Alipay," and we'll arrange a vehicle that supports it — rather than letting you discover after boarding that only cash is accepted, then having to find a nearby ATM.
If you don't state this in advance and the vehicle only accepts cash, we'll try to help, but cannot guarantee an immediate switch to electronic payment. Our service-related information is at Payment Methods; this page is the full informational guide.
Quick Reference: Eight Payment Methods
Only cash is "guaranteed available"; everything else requires stating it at booking
| Payment Method | Available on Any Taxi? | Usable Instantly by Visitors? | Must State When Booking | Key Considerations |
|---|---|---|---|---|
| Cash (HKD) | Yes (the only guaranteed method) | Yes (must exchange HKD first) | Not required | Large notes may not be changeable; carry $100/$50/$20 |
| Octopus | No, requires a reader onboard | Tourist card available for purchase | Required | Balance must be sufficient; negative-balance feature has a cap |
| Visa/Mastercard | No, requires a terminal onboard | Yes | Required | Overseas cards may involve cross-border transaction fees (charged by the issuer) |
| FPS | No, requires the driver to have a receiving account | Generally no (requires a local bank account) | Required | Transfers generally can't be unilaterally reversed — confirm before sending |
| PayMe | No, requires the driver to have an account | Generally no (requires a local phone and bank account) | Required | A local e-wallet; keep a screenshot of the successful transfer |
| Alipay (AlipayHK/mainland version) | No, requires the driver to support the corresponding version | Generally yes for mainland travellers | Required (and state the version) | The Hong Kong and mainland versions are different wallet systems |
| WeChat Pay (WeChat Pay HK/mainland version) | No, requires the driver to support the corresponding version | Generally yes for mainland travellers | Required (and state the version) | Same as above; exchange rate and fees subject to the operator |
| UnionPay | No, requires onboard support | Depends on issuing region | Required | Support varies significantly — always confirm in advance |
| Foreign currency notes | Not accepted | Not applicable | — | Statutory fares are calculated in HKD |
※ The actual functionality, limits, exchange rates, fees and coverage of each payment method are subject to the respective payment operator's announcements. This table describes the general practical situation of "use on a Hong Kong taxi," not the complete terms of each service. The methods we accept are: cash, Octopus, Visa/Mastercard, PayMe, FPS and Alipay.
Detailed Breakdown: How Each Method Actually Works, and Its Pitfalls
1. Cash (HKD)
The only method accepted on every licensed taxi. But "accepted" doesn't mean "changeable" — a trap both locals and visitors fall into alike.
- The large-note problem. Drivers often carry limited cash early in their shift or late at night, so paying a fare of a few tens of dollars with a $500 or $1,000 note may not be changeable.
- Practical approach. Carry $100, $50, $20 notes where possible; if you only have a large note, tell the driver as you board so they can prepare.
- The exception for long trips. For a larger amount (e.g. a $280 airport fixed fare), a $500 note is generally fine.
- Coins. Paying with a large number of coins is technically possible but best avoided in practice.
2. Octopus
Hong Kong's most widely used stored-value payment tool, but not every taxi has a reader.
- Reader. The vehicle must have an Octopus reader installed — not every taxi has one.
- Balance. The card balance must be sufficient; the negative-balance feature has a cap, and a long-distance fare may exceed it, so top up in advance.
- Confirm the transaction. After tapping, confirm the transaction succeeded and check the deducted amount.
- Mobile Octopus. Ensure your device has enough battery.
Actual functionality, negative-balance caps and top-up arrangements are subject to Octopus Cards Limited's announcements.
3. Visa/Mastercard Credit Cards
- Terminal. The vehicle must have a credit card terminal installed.
- Overseas cards. May involve cross-border transaction fees, charged by the issuing bank, unrelated to us.
- Contactless payment. Availability depends on the terminal model.
- Reimbursement. If you need to pay by credit card for company reimbursement, remember to also request a receipt.
4. FPS
An instant transfer service supported by the local banking system, increasingly common on taxis in recent years.
- The driver provides receiving details — a phone number, FPS ID or QR code.
- Confirm the payee name — check it matches the driver before transferring.
- Double-check the amount before confirming — because FPS transfers generally cannot be unilaterally reversed.
- Keep a screenshot of success — and note the plate number as proof of payment.
Actual functionality and limits are subject to each bank's and payment operator's announcements. Visiting travellers generally need a local bank account to use it.
5. PayMe
- A local e-wallet. Requires a local phone number and local bank account to open, so visiting travellers generally cannot set it up on the spot.
- Also depends on the driver. The driver must have an account that can receive payment.
- Keep records. Keep a screenshot of the successful transfer after paying.
Actual functionality and limits are subject to the service operator's announcements.
6. Alipay (AlipayHK and Mainland Version)
The two versions are not the same thing
AlipayHK (the Hong Kong version) and the mainland version of Alipay are different wallet systems, and some payees support only one. If you use the mainland version to spend in Hong Kong, the transaction is generally converted to RMB at the prevailing exchange rate; the specific rate, fees and coverage are subject to each payment operator's announcements.
So please clearly state at booking whether you're using the "mainland version of Alipay" or "AlipayHK" — we'll arrange the vehicle accordingly, and we also recommend preparing HKD cash as a backup.
7. WeChat Pay (WeChat Pay HK and Mainland Version)
The situation is the same as Alipay: the Hong Kong version (WeChat Pay HK) and the mainland version are different systems, with support varying by vehicle; the mainland version generally converts at the exchange rate when spent in Hong Kong. Please state the version when booking.
8. UnionPay
Support on taxis varies significantly and may not be common. If you only have a UnionPay card, be sure to confirm at booking, and prepare HKD cash as a backup.
Foreign Currency Notes
Hong Kong statutory taxi fares are calculated in HKD; drivers won't accept RMB cash, US dollars or other foreign currency notes. Visiting travellers who haven't yet exchanged HKD should use electronic payment (state this when booking), or withdraw HKD at an ATM in the airport arrivals hall, or exchange small amounts of HKD cash at a currency exchange shop.
Visiting Travellers: Choose a Payment Method Based on Where You're From
This table is far more useful than "we accept X methods"
| Your Situation | Most Reliable Arrangement | Backup |
|---|---|---|
| Mainland traveller (using Alipay/WeChat) | Clearly state the version (mainland or Hong Kong) when booking, and we'll arrange a supporting vehicle | Withdraw or exchange a small amount of HKD cash after arrival |
| Traveller from Europe/US/Japan/Korea (with an international credit card) | State you're using Visa/Mastercard when booking | Exchange HKD cash; watch for the issuer's cross-border transaction fee |
| Short stay, don't want a local account | HKD cash (carry $100/$50/$20) or credit card | An Octopus tourist card is also handy for other uses beyond taxis |
| Hong Kong local resident | FPS or PayMe (state this when booking) | Octopus, cash |
| Corporate client needing reimbursement | Apply for a monthly account for centralised reconciliation (see Corporate Transfers) | Request a receipt on boarding |
| Arriving in the early hours | State the payment method in advance, and carry a small amount of cash | Most exchange shops and stores are closed late at night — ATMs are the main option |
See airport pickup routes at Airport to Tsim Sha Tsui Hotels, Airport to Kowloon Hotels and Airport to Central/HK Island Hotels; for late-night trips see Midnight Airport Taxi.
Will I Be Charged Extra for Using Electronic Payment?
Answer: you shouldn't be — and you have the right to ask for an explanation
The statutory taxi fare table lists only the fare and four statutory surcharges:
| Statutory Surcharge | Amount | Description |
|---|---|---|
| Per luggage piece | $6 | Boot luggage, or in-cabin luggage whose length + width + height exceeds 140 cm |
| Per animal or bird | $5 | Must be properly secured |
| Per booking service | $5 | Ordered by phone booking |
| Wheelchairs and crutches | Free | For passengers with disabilities who rely on them for mobility |
"Electronic payment handling fees" are not among the statutory surcharges. Also, the $25 harbour tunnel fee and $25 return tunnel fee (when not boarding at a cross-harbour taxi rank and the destination is on the other side of the harbour) are tunnel charges, also unrelated to the payment method.
Our position: the payment method doesn't affect the amount
Our fixed fares and meter 85% off quotes never change based on whether you pay by cash, Octopus, FPS or credit card. If a driver charges extra for electronic payment without stating this in advance, you can ask for an explanation, request a receipt, and keep records to report to the police or Transport Department.
One more non-statutory charge worth mentioning: the airport car park fee (commonly around $16 for airport pickups in the industry). It's also not among the statutory surcharges, so it must be stated in advance — we'll clearly state at quote time whether it's included. See the full rules at Surcharge Guide and 2026 Taxi Fare Standard.
Receipts, Invoices and Company Reimbursement
- Ask for a receipt if you need one. Tell the driver you need a receipt on boarding or before arrival — licensed taxis can provide receipts.
- Also keep a record for electronic payment. A transfer screenshot is proof of payment, but it's not the same as a trip receipt; reimbursement usually requires the latter.
- Frequent reimbursement? Use a monthly account. Corporate clients can apply for a monthly account — we handle reconciliation centrally and provide monthly statements, saving you from settling and collecting individual receipts each trip.
- Suitable scenarios. Regular staff transfers, client and visitor airport pickups, conference and exhibition transfers, cruise group transfers.
- Note the plate number. Regardless of payment method, noting the plate number makes any later enquiry much easier.
See Corporate Transfers for monthly account arrangements; see Kai Tak Cruise Terminal for cruise group transfers.
Do Hong Kong Taxis Require a Tip?
Honest answer: no
Hong Kong taxis have no mandatory tipping culture — the statutory fare is the amount due. A common local practice is rounding the change to a round number — e.g. paying $120 for a $117 fare without asking for the $3 back — but this is purely voluntary, not an obligation.
Two situations where you can decline
- The driver actively asks for a tip. You can simply pay the metered reading or confirmed fixed fare in full.
- Overcharging under the pretext of "no change needed." For example, if the meter shows $117 and the driver says "$150, no change needed" — you have the right to ask for the full change.
Our fixed fares themselves already include the luggage fee, booking fee and (for cross-harbour routes) tunnel and return fees — the quote is the final amount, with no other charges added.
Four Steps to Handle a Payment Dispute
Stay calm, keep evidence, follow up — the order matters
- Ask for an explanation of the fare breakdown. Check it against the meter reading or confirmed fixed fare; if surcharges are involved, ask which item (luggage, animal, booking, tunnel).
- Request a receipt. Licensed taxis can provide receipts — this is the strongest written evidence.
- Note three pieces of information. The plate number, boarding time, and route. If you paid electronically, also keep the successful transfer screenshot.
- Follow up. If it can't be resolved on the spot, keep the receipt and payment record to report to the police or Transport Department. If you booked through us, you can also call 5584 6444 with the plate number, and we'll help follow up immediately.
This is exactly the practical protection of pre-booking over hailing a taxi roadside
Hailing a random taxi roadside, you usually have only a receipt (if you asked for one). With a pre-booking, the plate number is already on your phone before you even board — payment disputes, lost items and service issues all have a record to check. See how to identify a licensed vehicle at Avoiding Illegal Taxis; late-night safety tips at Safety Guide for Women.
Fixed Fare and Meter 85% Off: No Difference in Payment Method
The difference is only in how the amount is calculated, not how you pay
| Comparison | Fixed Fare | Meter 85% Off |
|---|---|---|
| How the amount is set | Total locked in before departure | Statutory meter reading × 0.85 |
| Luggage fee | Included, unlimited pieces | Charged by actual pieces ($6 each) |
| Harbour tunnel fee + return fee | Included ($25 + $25) | Charged as actually applicable |
| Traffic congestion | No price increase | The meter keeps running with waiting time |
| Available payment methods | All (state electronic payment at booking) | All (state electronic payment at booking) |
| Suitable routes | Cross-harbour routes (Hong Kong Island, Victoria Peak, Ocean Park) benefit the most | Short trips without harbour crossing (Disneyland, Tsing Yi, Tuen Mun, Yuen Long) are usually better value |
See how to choose between the two models at Why Choose Us; verify for yourself with the Complete Fare Calculator and 85% Off Fare Calculator.
Our Approach: Payment Is Settled at Booking
Confirm payment method when booking
Tell us your preferred electronic payment method, and we'll arrange a vehicle that supports it.
Six methods to choose from
Cash, Octopus, Visa/Mastercard, PayMe, FPS, Alipay.
Payment method doesn't affect the amount
Fixed fare and 85% off quotes never change based on payment method, and no extra handling fee is charged.
Non-statutory charges stated in advance
Such as the airport car park fee (commonly around $16 in the industry) — clearly stated whether it's included at quote time.
Receipts and monthly accounts
Tell us on boarding and we'll issue a receipt; companies can apply for a monthly account for centralised reconciliation.
Disputes have a record to check
The plate number is on your phone before you board — call us for immediate follow-up on payment disputes.
Service-related information (what we accept) is at Payment Methods; the booking process is at How to Book and How to Call a Taxi.
Taxi Payment Methods FAQ
Not necessarily. Hong Kong law does not require taxis to accept electronic payment, so cash is the only method guaranteed on any licensed taxi. Whether Octopus, credit card, PayMe, FPS, Alipay or WeChat Pay is available depends on whether the specific vehicle has the corresponding payment equipment or account. This is also why we ask passengers to state this when booking which electronic payment they'd like — we'll arrange a vehicle that supports it, so you don't discover on arrival that you can't pay.
We accept cash, Octopus, Visa/Mastercard credit cards, PayMe, FPS and Alipay. Since not every vehicle has the same payment equipment, please state your preferred electronic payment method when booking and we'll arrange a supporting vehicle. If you don't state this in advance and the vehicle only accepts cash, we'll try to help, but cannot guarantee an immediate switch to electronic payment.
No, you shouldn't be. The statutory taxi fare table lists the fare and four statutory surcharges ($6 per luggage piece, $5 per animal or bird, $5 per booking, wheelchairs and crutches free), not including electronic payment handling fees. If a driver charges extra for electronic payment without stating this in advance, you can ask for an explanation, request a receipt, and keep records to report to the police or Transport Department. Our fixed fares and 85% off quotes never change based on payment method.
Technically yes, but the driver may not have enough change. Practical advice: first, carry $100, $50 and $20 notes where possible; second, tell the driver upfront if you only have a large note, so they can prepare; third, for a larger amount (e.g. a $280 airport fixed fare), a $500 note is generally fine. If change truly can't be made, switch to electronic payment (if supported) or get change at a nearby shop.
Three things. First, the vehicle must have an Octopus reader installed — not every taxi has one; second, the card balance must be sufficient, the negative-balance feature has a cap, and a long-distance fare may exceed it, so top up in advance; third, confirm the transaction succeeded and check the deducted amount after tapping. If using mobile Octopus, ensure your device has enough battery. Actual functionality, negative-balance caps and top-up arrangements are subject to Octopus Cards Limited's announcements.
Generally the driver provides a phone number, FPS ID or QR code, and you enter the amount and transfer via your own bank or e-wallet app — the transfer is usually instant. Practical notes: first, confirm the payee name matches the driver before transferring; second, double-check the amount before confirming, since FPS transfers generally cannot be unilaterally reversed; third, keep a screenshot of success and note the plate number as proof of payment. Actual functionality and limits are subject to each bank's and payment operator's announcements.
Yes, but it likewise depends on whether the driver has an account that can receive payment. PayMe is a Hong Kong local e-wallet requiring a local phone number and local bank account to open, so visiting travellers generally cannot set it up on the spot — similar to FPS. If you're a local user and want to use PayMe, state this when booking; keep a screenshot of the successful transfer after paying. Actual functionality and limits are subject to the service operator's announcements.
It depends on which version the driver supports. Both Alipay and WeChat Pay have separate Hong Kong versions (AlipayHK, WeChat Pay HK) and mainland versions, which are different wallet systems; some payees support only one. If you use the mainland version to spend in Hong Kong, the transaction is generally converted to RMB at the prevailing exchange rate, and the specific rate, fees and coverage are subject to each payment operator's announcements. Practical advice: clearly state the version when booking, and prepare HKD cash as a backup.
Some vehicles can accept this. We accept Visa and Mastercard, but the vehicle must have a credit card terminal installed, so please state this when booking. Also note: first, overseas-issued credit cards may involve cross-border transaction fees charged by the issuing bank, unrelated to us; second, whether contactless payment works depends on the terminal model; third, if you need it for company reimbursement, remember to also request a receipt.
No. Hong Kong statutory taxi fares are calculated in HKD, and drivers will not accept RMB cash, US dollars or other foreign currency notes. Visiting travellers who haven't yet exchanged HKD should use electronic payment (state this when booking), or withdraw HKD at an ATM in the airport arrivals hall, or exchange small amounts of HKD cash at a currency exchange shop.
No. Hong Kong taxis have no mandatory tipping culture — the statutory fare is the amount due. A common local practice is rounding the change to a round number (e.g. paying $120 for a $117 fare without asking for the $3 back), but this is purely voluntary, not an obligation. If a driver actively asks for a tip, or overcharges under the pretext of "no change needed," you can ask for the full change based on the metered reading or confirmed fixed fare.
Please tell the driver on boarding or before arrival that you need a receipt — licensed taxis can provide receipts. Note that an electronic payment transfer screenshot is proof of payment, but it's not the same as a trip receipt; reimbursement usually requires the latter. If you regularly need reimbursement, a more convenient approach is to apply for a corporate monthly account — we handle reconciliation centrally and provide monthly statements, suitable for regular staff transfers, client airport pickups, and conference and exhibition transfers. See Corporate Transfers for details.
Four steps. First, ask the driver to explain the fare breakdown, checking it against the meter reading or confirmed fixed fare; second, request a receipt; third, note the plate number, boarding time and route (for electronic payment, also keep the transfer screenshot); fourth, if it can't be resolved on the spot, keep the receipt and payment record to report to the police or Transport Department. If you booked through us, you can also call 5584 6444 with the plate number, and we'll help follow up immediately.
No difference — both can use any payment method we accept. The difference is only in how the amount is calculated: a fixed fare is a total locked in before departure, already including tunnel fees, the return tunnel fee and luggage fee; meter 85% off is the statutory meter reading multiplied by 0.85, with luggage and tunnel fees charged as actually applicable. Either way, the payment method doesn't affect the amount.
The Transport Department has introduced the taxi fleet licensing system, regulating taxi fleets through taxi fleet licences to raise service quality; licensed fleets must comply with relevant legislation and the service requirements in their licence conditions. Five licensed fleets are currently in service: Amigo, Bumblebee Fleet, Big Boss Taxi, JOIE Fleet and Sing Kwan Taxi. Specific service requirements (including payment arrangements) are subject to Transport Department announcements. We are not one of these five licensed fleets — we're a call-a-taxi service dispatching only licensed taxis, and we confirm the payment method with you at booking. See Taxi vs Uber/Ride-Hailing for details.
Effective from 14 July 2024: red taxi first 2 km $29, then $2.1 per 200m or minute of waiting, dropping to $1.4 once the reading reaches $102.5; green taxi $25.5 / $1.9 / $1.4 after $82.5; blue taxi $24 / $1.9 / $1.6 after $195. There are only four statutory surcharges: $6 per luggage piece, $5 per animal or bird, $5 per booking, and wheelchairs and crutches free. The three cross-harbour tunnels charge a flat all-day rate of $25 for taxis; a further $25 return fee applies when not boarding at a cross-harbour taxi rank. Any other charges (such as the airport car park fee) are not statutory surcharges and must be stated in advance. See 2026 Fare Standard and Surcharge Guide for details.
More questions at FAQ Overview, or Contact Us directly.
Further Reading
- Payment Methods We Accept (Service Information)
- Surcharge Guide (the Four Statutory Items)
- 2026 Taxi Fare Standard
- How Taxi Fares Work
- Complete Fare Calculator
- 85% Off Fare Calculator
- Standard Meter Calculator
- Airport Taxi Instant Quote
- How to Book
- How to Call a Taxi
- Booking a Day Ahead
- Differences Between Red, Green and Blue Taxis
- Complete Hong Kong Taxi Guide
- Taxi vs Uber/Ride-Hailing
- Hong Kong Taxi App Comparison
- Avoiding Illegal Taxis
- Safety Guide for Women
- Groups and Large Luggage
- Corporate Transfers and Monthly Accounts
- Airport Taxi Price List
- Midnight Airport Taxi
- Airport Taxi Rank Queues
- Why Choose Us
- FAQ Overview
Related Pages
Statutory information is subject to government announcements: taxi fares effective from 14 July 2024 (red taxi flag fall $29, $2.1 per 200m or minute of waiting, dropping to $1.4 once the reading reaches $102.5; green taxi $25.5 / $1.9 / $1.4 after $82.5; blue taxi $24 / $1.9 / $1.6 after $195); there are only four statutory surcharges: $6 per luggage piece (boot luggage, or in-cabin luggage whose length + width + height exceeds 140 cm), $5 per animal or bird, $5 per booking service, and wheelchairs and crutches free; the three cross-harbour tunnels charge a flat all-day taxi rate of $25, with a further $25 return tunnel fee when not boarding at a cross-harbour taxi rank and the final destination is on the other side of the harbour; the Tai Lam Tunnel taxi fee is $28. Hong Kong law does not require taxis to accept electronic payment; "electronic payment handling fees" and the "airport car park fee" are not statutory surcharges. Under the taxi fleet licensing system, five licensed fleets are in service (Amigo, Bumblebee Fleet, Big Boss Taxi, JOIE Fleet, Sing Kwan Taxi), and a taxi fleet licence does not replace an existing taxi licence, nor is it a licence required to operate a taxi business. The functionality, limits, exchange rates, fees and coverage of Octopus, PayMe, FPS, Alipay (AlipayHK and mainland version), WeChat Pay (WeChat Pay HK and mainland version), UnionPay and credit card networks are subject to each payment operator's and issuer's announcements; this page describes the general practical situation of use on Hong Kong taxis, not the complete terms of each service. Fixed fares on this page are for reference — the actual charge is subject to the quote confirmed at booking. Last updated: 31 August 2026.