What is PinPay?
PinPay is an innovative new service on your mobile phone provided by our partner banks. With PinPay you have the perfect answer to all your mobile payments needs.
PinPay lets you:

  • Send and receive money quickly and safely Recharge your (or someone else’s) prepaid mobile

  • Pay your (or someone else's) postpaid mobile bill

  • Pay your (or someone else's) Park Meter Fines (Beirut, Zahle, Saida, Tripoli, Nabatieh)

  • Buy vouchers or recharge your internet account

  • Renew your Cablevision Subscription

  • Recharge your forex trading accounts such as AFC and CFI

  • Fund your prepaid online payments cards

  • Recharge / top- up international pre- paid mobile numbers

  • Make donations to well-known NGOs

  • Subscribe to or Renew Beirut Circle Privilege Card

  • Buy vouchers for media, gaming and entertainment like Apple's iTunes, Google Play, FB vouchers and much more

  • Buy gaming vouchers including Sony, Xbox and PSN

  • Buy tickets to kids theme parks using your mobile

  • Pay university and school tuition fees

  • Buy MMORPG Time cards

  • Subscribe to Business Directories and Virtual Office Services

  • Pay your OGERO ADSL and Landline Bill

  • Pay & Register for your Training Courses

  • Subscribe to your favorite Gyms

  • Buy Gift cards to Spas and Salons

  • Pay for your shipping orders

  • Purchase Carfax reports

  • Pay for your Online Coupon orders

  • Pay for your Insurance bill

  • Pay for your Online Purchases

  • Buy Gift Cards

  • Food Delivery payment

  • Subscribe to Magazines & Newspapers

  • Pay for your Installments

  • Manage your PinPay account conveniently

What are the main benefits of the PinPay services?
  • Utmost Convenience: You can use the services anytime, anywhere. No more endless waiting in queues and no more wasting time, energy and effort in making payments.
  • Absolute Reliability: Instant payments every time with confirmation to help your verify
  • Maximum Ease: Highly user-friendly system comes with step-by-step directions on what to do and how to do it.
Which Banks currently offer PinPay’s services?
Bank Audi and BankMed currently offer the PinPay service. We are in talks with many other banks who may join our list of partners soon.
What are the services you enjoy when you subscribe to PinPay?
At PinPay, the list of mobile payment services we offer is continuously growing.

Currently you can benefit from the following services, but please check back soon for more:

  • Send Money: PinPay lets you send money instantly from your Bank account to another registered user's account. As soon as the money is transferred, a transaction confirmation message is sent to both the sender and receiver from PinPay. You can also receive money just as easily from any registered PinPay user.

  • Pay Mobile Bills: You can easily Inquire and/ or Pay your or anyone else’s postpaid mobile bill by entering the mobile phone number required in the field. 

  • Pay Park Meter Fines: Use PinPay to inquire about parking meter fines and pay it instantly using just your mobile phone. You can also pay someone else’s park meter fine; just input the vehicle’s License Plate Number or the 11-digit Parking Surcharge Reference Number printed on the top right of the parking fine.

  • Recharge Local and International Mobile Phones: Recharge your prepaid mobile line or anyone else’s line by selecting the desired amount from your PinPay menu. You can recharge your Local and/or International numbers through the Telecom Section.

  • Entertainment at your Fingertips: With PinPay, you have access to entertainment in many different ways. You can buy tickets to kids’ theme parks and buy vouchers for media, gaming and entertainment like Apple's iTunes, Google Play, FB vouchers, Sony, Xbox, PSN and much more. Go to the Gaming or Media & Entertainment section to see all your options!

  • Pay your University & School Tuition Fees: Pay your University and/or School tuition fees on time, easily, instantly- no more standing in queues, no more carrying cash around for payment. Now, with our versatile PinPay app, paying your tuition fees is a task that you can complete in seconds no matter where you are or how busy you are.

  • Buy MMORPG time cards: Shopping for MMORPG time cards to take your gaming experience to the next level? Want to gift your buddy one of these cards? Now, it is all easy because you can purchase these popular game time cards using your PinPay app! Go to the Gaming section to make your purchase.

  • Subscribe to Miscellaneous services: Purchase subscriptions to various services like Magazine and Newspaper subscriptions, Virtual Office Services, Gym Subscriptions, Business Directories and much more.
  • Buy Privilege Cards: Buy different privilege cards to experience and enjoy Lebanon in a more affordable way without burning a hole in your pocket. Buy or Renew your Beirut Circle Privilege Card, you can also purchase different Discount Lebanon Cards to enjoy many reductions on various services and products.

  • Recharge Internet: Buy vouchers or recharge your Internet Account directly from your mobile phone. Make sure that you are always ready to surf the net! Go to the Internet section to see all the different brands that we carry.

  • Recharge Cablevision: Recharge your Cablevision subscription in the most convenient way with PinPay. Simply select the product you want to purchase, insert your 11 digit smart card code, and your recharge is done.

  • Recharge your Trading accounts: Fund your trading accounts using PinPay to be able to perform different financial services and trading activities. If you have an Arab Finance Corporation (AFC) or a Credit Financier Invest (CFI) account, you can now add funds to it using PinPay.

  • Purchase Gift Cards: As a PinPay user you are able to purchase various gift cards for healthcare and wellness resorts in addition to retail shops; the gift cards can be sent to friends and family through the share button!

  • Purchase tickets & Vouchers: One of the benefits that PinPay provides is your ability to purchase various types of vouchers and tickets. Buy Facebook, iTunes and Google Play vouchers, Internet account refills, MMORPG time cards, Kidz Mondo theme park entry tickets and much more with a click of a button.

  • Pay your Insurance Bill: Now you can pay your insurance bill through PinPay, just go to the insurance section, insert your Policy number to complete your payment.

  • Pay your Landline & ADSL Bill: Go to the Telecom section to pay your OGERO Landline & ADSL Bill. Avoid long lines, traffic and all the other inconveniences and just pay your monthly landline phone bill through your phone.

  • Pay for your Shipping Order: Go to the Transportation section to Fill and Pay for your shipping order. Now you can ship your orders from the convenience of your mobile phone.

  • Purchase Carfax Reports: Are you planning to buy a Used/Second hand car? You don’t have to worry about the condition of the car anymore! Just BUY the CARFAX report through PinPay to get the most comprehensive car history information and to make a safer and easier car purchase!

  • OTP (One Time Password): Go to OTP to pay for your food deliveries and for your online purchases! All you have to do is order from your favorite restaurant and/or buy online, then enter the Amount and your M-PIN to complete the transaction.

  • Settings: Manage your account from the convenience of your mobile. You can change your M-PIN or un-register your mobile device at any time.

  • Payment History: A detailed statement of all the PinPay transactions that you have conducted until date for both Pending Payments and Completed Payments; If you want to know the details of a transaction, just click on the entry and a new screen will appear showing all the relevant information.

  • Quickpay: Save the services that you use frequently to have quick access to them at all times! Payment Methods Access the payment methods through the navigation menu. Here you will be able to choose your payment method, see how many PinPoints you have, and how much credits you have.
What is the cost of using PinPay
For Bank Audi Clients: FREE TRIAL of the app for upto 3 months. After this period a nominal charge of $2 per month applies. This charge is auto- deducted from your bank account.
For BankMed Clients: Absolutely FREE service. No monthly fees apply.
What is the currency of the transactions processed through PinPay?

Transactions can be carried out in USD and LBP.

Are the charges debited from my bank account or my phone bill?
When charged, fees are debited directly from your bank account.

PinPay does not levy any charges from your phone bill,if you are using 3G ,Mobile Data Plan charges with your mobile operator apply and are deducted from your 3G data plan, where and if applicable.

If your phone uses Wifi, there will be no charges.
Can my accounts be in LBP and USD?

Yes. Your account can be in LBP or USD.

How secure is PinPay?
Security is our prime concern and PinPay is a highly secure service that meets banking standards through a multi-layered security architecture. We offer a higher security level than many payment cards. Take a look at some of the security features we deploy:
  • A code (M-PIN) that is only known to you is required for every transaction
  • If your M-PIN is entered incorrectly three consecutive times, your account will be deactivated
How can I sign up for these services?
Registering for PinPay is a very simple process. You can register at any branch of our partner banks’. Once registered at the bank, you will receive a welcome SMS.

Just visit a Bank Audi or BankMed branch or phone their Call Center to sign their e-banking agreement and follow these steps:
  • Click on “Register to PinPay”
  • Insert your mobile number into the specified field and request a “Verification Code.” Your code will be sent by SMS,
  • Once you have received your “Verification Code,” enter it in the specified field.
  • Choose a 4 digit “M-PIN,” which should be memorized and known only to you.
  • Re-enter your “M-PIN” to confirm it.
  • To login to the app, click on the “Lock” on the top right side of the screen.
  • Click on “Select Method”
  • To select your “Payment Method,” click on the “+” on the top right side of the screen.
  • Select “Bank” as your payment method and enter your “CIF ID” in the specified field.
  • To successfully add “Bank” as your payment method, click on “ADD BANK PAYMENT METHOD.”
How long does it take for the registration process to be completed?
Bank Registration: Registration at the branch should take about 10-15 minutes.
Do I have to be a Bank Audi or a BankMed customer to be able to use PinPay's services?

If you want to link your Bank Account to PinPay, then Yes you have to be a Bank Audi or BankMed client to be able to use the app.

If you are a Bank Audi or Bank Med customer, please visit the respective bank’s branch during working hours to learn more about our services and the simple process of registering, or visit their website for more information.

If you wish to link your Credit Cards or Debit Cards to the app, then No you don’t need to be a client of these banks, you can link any type of domestic banks’ Credit Card or Debit Card to PinPay, as long as the card has an online payment capability.

Compatible Mobile Phones and Operators
Can I use PinPay on my Blackberry, iPhone, Android, Windows Mobile and other phones?
Yes, the PinPay App is available for iPhone, Android, Windows and BlackBerry . We cover most of the phones currently available in the market but if you are not sure if your phone can run PinPay, please contact our hotline on 01-631 222.
Can I recharge credits on my mobile if I have no units left?
If you have Internet connectivity on your mobile phone, then it is possible to recharge credits on your mobile phone even if you are out of units.
Which mobile operators in Lebanon can I use PinPay with?
PinPay can be used with both Touch and Alfa mobile operators.
Does PinPay work on an international number?
PinPay does not work with an International Number at present; You can only use it with local mobile numbers. However, if the local phone number has SMS roaming or Internet connectivity, the services could work outside Lebanon on a roaming local mobile number.
Can I have more than one mobile number linked to the same PinPay service?
Users can only have one mobile number linked to every PinPay subscription. You have to request a new subscription for every additional number you want to add.
Can I use PinPay services on a mobile phone of any brand or model?
All mobile phones that were released recently or in the last five years are compatible with the PinPay service.

Can I have more than one mobile linked to the same account?
For Individual Accounts, you can only have one mobile number linked to the same account.

For Joint Accounts (and/or), you can have more than one mobile number linked to the same account.
Transcation Time and Limits
When do I receive the money transferred to my account?
The money is instantaneously credited to your account and available on the same-day value date. You will receive a confirmation SMS after each transaction.
I accidentally transferred to a friend more money than I wanted to. What can I do?
Ask the recipient to transfer the difference back to you. If this is not possible, please contact your branch to reverse the transaction and transfer the money again. Please note that a reversal may not always be possible.
Is there any limit on the number of transactions allowed?
No, you have an unlimited number of transactions.

Are there any limits on the amount of the transaction?

PinPay users can transfer money, recharge and pay bills subject to the following monthly limits.

A $5000 monthly limit applies on money transfers between PinPay users.

To recharge using your PinPay account, you have a limit of $1000 per month.

You can pay bills amounting to a maximum of $1000 per month through PinPay.

If money was transferred to the wrong number, what can be done?
If the recipient is not a PinPay subscriber, the money will not be transferred and you will receive an SMS informing you that the transaction could not be processed.

If the recipient is a PinPay customer, you may contact your Branch and submit a claim. Please note that a reversal may not always be possible.

You may also contact the recipient and request him/her directly to reimburse your funds.

Losing Mobile Phone/SIM
What happens if I lose my phone/SIM card?

Without your M-PIN, no one else can access your account and perform any transaction even if they have your phone/SIM. Your personal M-PIN is required for each PinPay transaction. 

If your phone/SIM is lost or stolen, you can call your mobile operator to deactivate your SIM or ask PinPay Support to temporarily deactivate your PinPay account. Once you recover your Phone/SIM or get a new one, contact your branch to reactivate your account.

What happens if the customer changes his/her phone?
  • If the customer changes his/her mobile phone, they would be required to download the PinPay application on the new device.
  • After downloading and installing the app, the user should request a new Verification Code in order to activate the PinPay services.
Does the Verification Code Expire?
  • After receiving the Verification Code, users have 10 minutes to enter it before it expires.
  • Once the Verification Code expires, users have to request a new one
What happens when a customer has entered an Incorrect Verification Code?
  • If the customer has entered an incorrect verification code, he has 2 more attempts. After two attempts he/ she is blocked from requesting a new verification code.
  • Once blocked, the user has to wait 30 minutes before he/ she can request a new verification code.
How can I update the application when a new one is available?
iPhone, Windows, Android and BlackBerry users get a notification whenever an update is available. You can also go to your respective Application Stores and check the Updates or My Apps section to see if an update is available.

To install the update, tap the PinPay app or the update or install button, depending on your Application Store, and the update will install automatically.
What should I do to use the PinPay application after I change my phone?
In order to use the App on a different phone, you must first go to Settings on your PinPay Application and select the "Unregister Device" option. This will unregister your PinPay Account on your current phone in order to register it in your new one. This feature is set in place for security purposes. You then need to download the application on your new device from your phone’s respective Application Store.

I don't remember my M-PIN anymore. Can you send it to me or reset it?

If you have forgotten your M-PIN, you can drop in at your nearest bank branch to reset it.

If you are a Credit Card or Debit Card user please call PinPay’s hotline so we can reset it for you.

I entered my M-PIN incorrectly and now my account doesn’t work anymore. What can I do?
If you enter a wrong M-PIN during three consecutive attempts, you will receive an SMS informing you that your PinPay service has been blocked. Please visit your bank branch to reactivate your account.

I want to change my M-PIN. How can I do that?
  • On your PinPay App, go to “Settings >>Change M-PIN”
  • Enter your old 4-digit M-PIN. Enter and confirm your new M-PIN, then click “Next”
  • Click “YES” to confirm that you want to change your M-PIN
Cancellation Policy
I would like to cancel the PinPay service. How can I do that?

If you are a Bank Client and you wish to cancel your service , you may contact your Bank by phone or visit their nearest branch to request cancellation of the PinPay service.

If you are a Credit Card user and you want to cancel the service, just delete your funding source and unregister the device in the settings, then delete the app from your phone.


The most innovative mobile payment and bill aggregation platform in Lebanon and the middle east.

Pay your Bills online or on your mobile through PinPay in Lebanon and the middle east. You can also pay your tuition fees, your park meter fines, internet and mobile bills. Pay your fees with PinPay.