The HaklPay mobile app is available to every client having an active payment card from the Mastercard brand, issued by Halkbank AD Skopje.

Payment card owners can download the HalkPay mobile app from Google Play Store on a mobile device running on Android OS.

After downloading HalkPay from Google Play Store, the mobile app will start, using the same language settings as the ones on the mobile device. The language can be changed in the category – General Settings - Language and by entering the mobile device.

After downloading the app, please register using the basic credentials, such as your Citizen’s Personal Identification Number (EMBG) and the last 4 digits of the pseudo card number.

How to use the mobile app

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The user will be sent SMS containing an OTP (one-time password) to their phone which to activate the HalkPay mobile app.

To activate the app successfully, the user should activate security elements on their mobile device (fingerprint, password, pattern or face identification). If the mobile device has option for fingerprint, but the user has not activated this secure element, the HalkPay app will prompt the user to enter such element to be able to continue using the app.

The fingerprint will be used as a secure element for card digitalization and for payment with additional authentication if the mobile device uses it as a secure element. Otherwise, other elements will be used.

*The last 4 digits of your pseudo card number

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To activate the app successfully, the user should activate security elements on their mobile device (fingerprint, password, pattern or face identification). If the mobile device has option for fingerprint, but the user has not activated this secure element, the HalkPay app will prompt the user to enter such element to be able to continue using the app.

The fingerprint will be used as a secure element for card digitalization and for payment with additional authentication if the mobile device uses it as a secure element. Otherwise, other elements will be used.

After the successful activation, the user can choose which cards they would like to digitalize and to use for payments made via HalkPay.

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For successful payments, the user should activate NFC on their device. If NFC is not activated, the app will prompt the user to enable it.

In order to enable successful transaction payment, the user should first open the app, then select the payment field and finally place the back of their mobile device near the POS terminal.

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To use the Fast Pay option, please select one payment card as your default card, an option allowing you to make payments without opening the HalkPay app, and then choose the payment field.

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If the user decides to blocks/suspend certain payment card in the HalkPay mobile app, they will not be able to make payments with it via the mobile app, but can continue using it as a physical bank card.

For amounts under 2,000 MKD, the user can pay without additional mobile device authentication, up to a sum of 5 consecutive transactions under 2,000 MKD. The app will request additional authentication on each sixth transaction under 2,000 MKD.For amounts over 2,000 MKD, additional authentication is always required.

After each additional authentication, please place the mobile device near the POS terminal to complete the transaction.

For additional authentication, fingerprint will always be requested if the mobile device has it a securi-ty element. Otherwise, PIN or pattern will be used. Single tap (transaction with a single touch at a POS terminal) – for transactions under 2,000 MKD.

Double tap (two-touch transaction at a POS terminal) – for transactions over 2,000 MKD and on each sixth transaction under 2,000 MKD.

RegistrationTo register successfully, the client will be prompted to enter as follows:

- EMBG (Citizen’s Personal Identification Number) and the last digits of the pseudo card number, issued by Halkbank AD Skopje;- User's mobile phone number should be updated and should be provided to the Bank as an o�cial contact so the user can be sent an OTP password required to activate the HalkPay mobile app service.

LoginTo successfully activate the app, the user should activate security elements on their mobile device (fingerprint, password, pattern or face identification) to log in.

PaymentFor successful payment, the user should place their mobile device near the contactless payment supporting POS terminal. One card should be selected as default card to make fast payments. Other digitalized cards may be used for payments via the mobile app if the specific card is selected prior to the payment.

Registration steps and description for use of the HalkPay mobile app:

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If the physical card is blocked due to loss or theft, it can be used for payments via the HalkPay mobile app only if the client asks for renewal at Bank's branches or via the Bank's Contact Center available 24/7.

To get a list of the transactions, the user can select the transactions field to see the transactions made within a certain period in a digitalized way.

To see the other HalkPay app options, the Terms and Conditions of Use, as well as the Privacy Policy, please click on the More field.