This is a new way to pay a small sum of money. Check out: https://payme.hsbc.com.hk
You download the app and link to a credit card. You use the app to send money to your friend without knowing his bank account number. You notify him by Messenger or mobile phone number. He just click on the link to receive the payment. So simple and easy. It is good for sharing a meal, pay back small sums, buy something from your friend. This is completely free of any fee. No 3% charged like Paypal.