1. How can I register to use eM eWallet?
To register to use eM eWallet, you have to follow these following steps:

  • Download and install eM application on mobile phone.
  • Register and activate eM application
  • Provide some personal information as instructed on the application.

For detailed instruction, please click here.

2. Why do eM users need to provide accurate personal information when registering eM service?
eM is a financial application which involves customers’ financial transaction, hence, it is more safer if you provide sufficient and accurate personal information and update them when there is any changes. If the registered information is inaccurate or wrong, M-Pay has no rights to authenticate eM users as well as deal with customers ‘ claims for wrong transactions, request for reactivate eM account when you forget both MPIN and Secret questions, stolen phone or other unwanted situation occurred during using the service. 
3. What types of mobile phone can install to use eM application?
eM application is available for all types of smartphone in the current market including: iOS, Android and Windows Phone. Connection with Internet via 3G or Wifi is also required to install eM application on the mobile phones.
4. What is transaction password (MPIN)?
Transaction password (called MPIN) is the password set by customers and keep secrets. This password which consists at least 6 numeric digits is used to authenticate every important transactions on eM. This password is similar to ATM ‘s Pincode. Therefore, you have to remember and keep your MPIN secret.
5. I entered MPIN wrongly for 3 times and the application is locked. What should I do to reactivate the service?
In case you still remember MPIN, please delete eM app on your mobile and access App store to download and reinstall eM again, see detailed instruction here. 
Next, reenter MPIN twice. If the MPIN entered is correct, eM system will send you OTP (authentication code) via SMS. Wait for a few minutes and enter the received OTP into the activation screen. If the OTP entered is correct, eM application will be reactivated. 
In case, you forget MPIN, please follow the next question.
6. I forget MPIN. What should I do to reactivate eM service?
When you forget MPIN, go to Setting -> Forget MPIN. Next, enter your registered phone number and answer Secret question. If the information provided is correct, eM system will send OTP via SMS. Insert this OTP into the screen and enter your new MPIN twice. IF the information provided correct, the screem will send a notice: “You have changed your MPIN sucessfully.
7. Do I have to pay any fee when using eM service?
At present, eM service is provided free to users. Only possessing a smartphone connected with 3G/Wifi can you make payment transaction anytime, anywhere via eM. Moreover, you can have the opportunity to make profit by selling prepaid card code for mobile, game and top-up with attractive discount.

8. What is the utilities of eM?

  • Top-up and buy prepaid card code for mobile, game online and other digital products with attractive discount;
  • Update promotion policy from Mobile Operator Provider sooner via eM.
  • Pay electricity, water, cable, television, internet bills.
  • Pay for digital bill on ecommerce website.

If you want to be our Agents, you can receive good policy from selling top-up, prepaid card code, bill payment… . Then, you can run a business and make profit right at home with the income up to millions dong per month.
9. How can I cash-in to eM account?
You can choose one of these following options to cash-in eM account:

  • Fast Cash-in via BIDV 
  • Fund Transfer via Internet Banking/ Mobile Banking
  • Make a cash deposit or fund transfer at Bank Transaction Office
  • Fund Transfer via ATM
  • Cash-in at M-Pay Office
  • Cash-in by mobile card code

For more detailed, please follow here. 
10. What kinds of Bills can I make payment via eM?
You can make payment these following bills:

  • Electricity bills: EVN HCMC
  • Telecom bills: VNPT Hai Phong, VNPT HCMC
  • Television bills: An Vien Television, VTC Television
  • Water bills, insurance bills
  • Ecommerce bills: muachung.vn bills

M-Pay is implementing more bill payment services in the near future.
11. I want to move eM application to new mobile phone. What should I do?
After changing your mobile SIM to new mobile phone, install emapplication on new mobile phone and activate your eM account by following instructions on the screen. Please be noted that this personal information must match the information you provided before. After your account is activated on the new mobile phone, eM application on old mobile phone will be ineffective and impossible to make any transactions.
12. When I lose my mobile phone, do I have to contact M-Pay?
Yes. Although other people can not access your eM account or make any transaction due to the lack of MPIN, you still should contact M-Pay via Hotline 1900 54 5527 to request for temporary lock in order to protect your eM account. You should lock the eM account before contacting Mobile Network Operator to activate your SIM and mobile number.
13. When do I have to use Check transaction result function?
When you make a transaction and receive the notice “ The result of your transaction is unknown”, or when your are waiting for the transaction result notification but your mobile phone is out of power or Internet or sign out from the application for any reasons, please go to Mennu “History” -> Check the transaction result, enter MPIN to query for the result of the transaction.
Noted that this function is applied only for transaction 24 hours from the time the transaction is made.