01 / VERIFY
→Verification opened
The recipient reviews the transaction details and starts the verification session.
Transaction verification
Verify. Review. Then process the transfer.
A structured verification workflow for checking recipient details, transaction amount, fees and supporting evidence. Once the submitted verification passes review, the transaction moves to transfer processing with an estimated processing time of approximately 5–10 minutes after approval during operating hours.
✓ English & Chinese support✓ Structured verification review✓ 5–10 minute estimate begins after approval
Transaction Verification
TX-20260908-A82F19
CHAN WAI ****
✓Recipient Bank · •••• 8721
✓HKD 25,000.00
✓HKD 50.00
✓Transaction TotalHKD 25,050.00
🔒 Transfer processing starts only after the verification is approved.
Review before processingThe transfer workflow remains locked until verification has passed review.
Traceable transaction recordTransaction ID and Hong Kong timestamps stay attached to every status.
Clear transfer statusVerification, Review, Processing, Completed or Rejected.
Professional workflow
Approval is the start of transfer processing.
The verification and payment stages are deliberately separated. The estimated 5–10 minute processing window starts only when review has been approved—not when the link is opened or when evidence is submitted.
02 / SUBMIT
→Evidence submitted
Required transaction evidence must satisfy the verification requirements before submission is unlocked.
03 / REVIEW
→Verification under review
The submitted record is checked. No transfer-processing estimate is running during this stage.
04 / PROCESS
Approved → transfer processing
After approval, the status changes to Transfer Processing and the estimated 5–10 minute processing window begins.
Security by design
Clear requirements. No banking credentials.
The verification page is designed to validate transaction evidence and status without asking for confidential online-banking credentials.
✓Verification requirements are presented clearly during the secure session.
✓Submission remains locked until all required verification checks are satisfied.
✓A Completed status should only be shown after the payment workflow has confirmed completion.
This verification page will never ask for
Confidential banking authentication data.
Online banking passwordNever requested
One-time password (OTP)Never requested
ATM / card PINNever requested
Card security codeNever requested
If a verification page requests any banking password, PIN, OTP or card security code, stop and verify the channel before continuing.
Transaction status
A status that accurately reflects what is happening.
The public URL follows the current stage so the recipient can clearly distinguish verification from review and transfer processing.
Verification Pending
Transaction details are available and verification requirements have not yet been submitted.
→
Under Review
Evidence has been submitted successfully and is awaiting approval.
→
Transfer Processing
Review has passed. The estimated 5–10 minute processing window is now active.
After payment-workflow confirmationTRANSFER COMPLETED
Frequently asked
Know exactly when the timer starts.
When does the 5–10 minute estimate begin?
Only after the verification has passed review and the transaction status changes to Transfer Processing.
What happens if a verification requirement is not met?
Verification cannot continue until the required check is satisfied. The user is shown instructions to resolve the issue and try again.
Which languages are available?
English is the default. Traditional Chinese for Hong Kong and Simplified Chinese are also available.
Does Completed appear automatically after 10 minutes?
No. A professional payment workflow should show Completed only after the payment system confirms that the transfer has actually completed.
Verification approved? Transfer processing begins.
The estimated 5–10 minute processing window starts from the recorded approval time in Hong Kong Time (HKT).