DSTPay is a digital mobile wallet application which allows you to make or initiate payment(s) and/or transaction(s). Upon successful registration, you will be eligible to apply for a digital co-branded virtual card on the Digital Wallet (“Virtual Card”).
You are entitled to use your Virtual Card to make transaction using your device by scanning a QRC (QR Code) displayed at any participating merchant outlets.
No, there will be no physical card issued to DSTPay customers.
· Transfer of funds between E-Wallets (with another DSTPay user)
· Top-up DSTPay using your linked Baiduri UnionPay Debit Card
· Make purchases at any Baiduri QRC merchants
· Make purchases overseas where there is UnionPay QRC acceptance.
You can download the latest version of the DSTPay app from your Google Play Store or App Store. One you have successfully downloaded DSTPay, please follow the following steps to register;
(BAIDURI BANK CUSTOMER ONLY)
· Click “Register”
· Capture your IC – ‘Front’ & “Back” via Optical Character Recognition (“OCR”) technology
· Once the ID verification is successful then proceed to fill in all the required information
· Perform facial recognition check using Facial Recognition Technology (“FR”)
· Tick to confirm and review the Terms and Conditions
· Mobile verification is required
· Key in the Captcha Code displayed, Select the “Get via SMS” for the OTP code
· Login to the DSTPay App
Yes, the minimum requirement is twelve (12) years of age and above at the time of registration.
No, your card can only be tied to a Brunei Dollar bank account.
To be eligible to register for DSTPay, the customer must be a Baiduri Bank customer.
Yes, you are required to have an account with Baiduri Bank. You will also be classified into different Tiers depending on what type of Baiduri Debit Card you have.
1) Tier 1
Baiduri customers who own a Baiduri UnionPay Debit Card that is used to bind to DSTPay.
2) Tier 2
Baiduri customer who owns any Baiduri card(s) other than a Baiduri UnionPay Debit Card.
Yes, DSTPay is secured with 2-factor authentication, compliant with PCI-DSS requirements and can only be accessed by using your own username and password. It has touch ID recognition for Android and facial unlock function for IOS.
You can only register to ONE (1) DSTPay account and each account is only allowed to be linked to ONE unique mobile number and email address.
Yes, you can log in to your DSTPay using another device but only one device can be used to perform a transaction at one time.
For Tier 1 customer, you can top-up your DSTPay using your linked Baiduri UnionPay Debit Card.
For Tier 2 customer, you will only be able to receive funds via peer-to-peer (P2P) transfer from other DSTPay users.
Fund Transfers between E-Wallets are free.
· Log into your E-Wallet
· Select ‘Transfer’
· Input receiver ‘Registered Mobile Number’ and ‘Transfer Amount’
· Verify transfer details.
· Enter Payment Password
· Status of transfer process will be shown after payment password submission.
DSTPay can be accepted at any Baiduri QRC merchants locally and internationally where there is UnionPay QRC acceptance.
You may find them by locating a ‘DSTPay accepted here’ sign locally or internationally where there is UnionPay QRC acceptance.
· Log into your e-wallet
· Select ‘Scan QR’
· There will be two modes of payment
· Key in the amount of purchase OR;
· Simply scan the QR code if you are not required to key in an amount
· Both the merchant and you verify the transaction details
· An acknowledgement page will show after completing the transaction.
· You will also receive notification to confirm that the transaction was successful.
· Log in your E-Wallet
· Select ‘Withdrawal’
· Select ‘Card for Withdrawal’
· Enter ‘Withdrawal Amount’
· Verify details.
· Enter ‘Payment Password’
· Status will be shown after payment password submission.
You can only withdraw to your bound Baiduri UnionPay Debit card. After withdrawal, you will be able to withdraw using your debit card at any ATM where UnionPay is accepted.
Yes, BND0.50 per withdrawal. For example, if the desired withdrawal amount is BND10.00, the funds that will be deducted from user’s E-Wallet is BND10.50. Cash Withdrawal is currently only able to be performed to a linked Baiduri UnionPay Debit Card.
You can access DSTPay overseas provided you have a stable internet connection.
You can use your DSTPay to purchase at websites that accept UnionPay QRC transactions.
If your network gets disconnected while performing a transaction and is not completed, the transaction will not be processed.
Yes, you can view your transaction history at;
• Recent Transactions
• Receive Money under Transfer History
You can reset your password via the “Forgot Password” option in DSTPay.
You can call DSTCare 151 to enquire.
You need to visit any DST Branch and request to change your mobile number.
You can call DSTCare 151 to verify the transaction.
If you encounter any issues relating to DSTPay, please call DSTCare 151.
Please call DSTCare 151 immediately to report the loss and to block your DSTPay E-Wallet from any unauthorized transactions.
Please call DSTCare 151 or visit your nearest DST branch.
You may add at a maximum of two (2) Baiduri UnionPay Debit Cards that you own.
A notification will be sent for every successful top-up.
You can change your personal details by calling DSTCare 151 or at your nearest DST branch.
No, you can top-up using your linked Baiduri UnionPay Debit Card if you are an existing Baiduri customer.
No, you can only link a Baiduri UnionPay Debit Card.
You will need to unbind your Baiduri UnionPay Debit Card and bind your valid Baiduri UnionPay Debit Card.
|Transaction Limits (BND) – Baiduri Bank Customer With a Baiduri Unionpay Debit Card|
|Daily Txn Limit|
|Without to Baiduri Unionpay Debit Card||3||$1,000.00|
|P2P Transfer Out||15||$1,000.00|
|Top-up via Baiduri Unionpay Debit Card|
|P2P Transfer In||5||$1,000.00|
Maximum stored value limit any given time is $1,000.00
Currently, there is no annual or subscription fee imposed.
Yes, BND2 per dormant month. After 3 months of inactivity, a reminder is sent to e-wallet holder on months 4, 5 and 6. After 6 months of inactivity, account will turn dormant and the BND2 charged monthly for 3 months. After the 9th month of inactivity, the account will auto close if there is no balance.
No, you only have to perform a transaction to activate your DSTPay.
No, you can only top-up within the DSTPay app provided you have linked your Baiduri UnionPay Debit Card.
No, DSTPay will only recognize a UnionPay Debit Card issued by Baiduri Bank.
No, there is no such feature available.
You may call DSTCare 151.
No, valid Brunei Identity Card required for the registration.
No, you only need to re-download the app and log in with your registered mobile number and password.
• Secure Payment
• User friendly
• Quick transfer of funds
• Convenient – virtual withdrawal and cashless shopping
• Easy Access
• Added Incentives during promotional periods.
There is no termination fee for DSTPay and you can terminate your account anytime at your own convenience. We kindly advise you to transfer your remaining balance to your linked Baiduri UnionPay Debit Card prior to terminating your DSTPay account.
You will need to contact our DSTCare 151 to terminate your DSTPay account.