SmartPay Services

Our cards come with a set of smart technologies that facilitate your life while bringing more security to your everyday spending

CMO Mobile Payment

Changing the way you pay

CMO is a new and innovative mobile payment method that allows cardholders to quickly pay for their purchases without the need of their physical credit card. CMO is available on USD and LBP cards.

CMO can be used through the following:

  • CMO Mobile Application
  • CMO Sticker

To register to the service, please fill and sign the CMO application form at your branch.

CMO Mobile Application

It is a mobile payment platform that offers you an easy way to transform your smartphone into a secure payment tool. Once you have successfully registered for the CMO service at your branch, you will receive an SMS to help you get started.

CMO can be used with any mobile device; all you need to do is download the CMO application from the Apple Store or Google Play.

Your CMO account will be linked to your credit card account and all transactions performed through CMO application will be listed in your credit card monthly statement.

All CMO transactions require the use of a One-Time-Password (OTP) to be authenticated. You will receive the OTP via SMS.

CMO mobile application allows you to:

Pay to merchant (P2M): Pay any CMO participating merchant by providing your mobile number and OTP.

Cardless ATM Withdrawals: Withdraw cash from any CSC Network ATM by choosing “Cardless” from the main screen and using the code provided to you instead of your physical card.

Person to Person Transfers (P2P): Transfer funds locally to another CMO user simply by entering the amount to be transferred and OTP.

MoneyGram Money Transfer: Transfer funds internationally using a CashUnited ID within MoneyGram’s network.

CMO App Parameters:

Functions Max amount per transaction Max amount per day Max amount per week
P2M $350 $1,500 $3,000
P2P $100 $250 $500
Cardless ATM $200 $350 $500

To know more about CMO Mobile Application and the participating merchants, please refer to

CMO Sticker

CMO Sticker allows you to make secure contactless payments just by tapping your sticker on any terminal displaying the MasterCard contactless payment symbol in Lebanon and abroad.

Just place the CMO Sticker on your mobile device and start making quick payments for small purchases without the need to insert your PIN.

Your CMO Sticker will be linked to your credit card account and all transactions performed using your sticker will be listed in your credit card monthly statement.

  • Maximum allowed transaction value: $50
  • Maximum allowed daily transactions value: $150
  • Maximum daily allowed number of transactions: 5

Contactless Payment

With contactless*, make fast and secure payments for small purchases without your PIN.

You can use the contactless feature at any merchant displaying the MasterCard Paypass logo anywhere in Lebanon and abroad.

All you need to do is:

  • Look for MasterCard Paypass logo on the POS machine
  • Tap your card against the contactless POS machine
  • For amounts higher than a certain limit set on the machine, you will have to insert your PIN

*available on selected cards

Chip and PIN

Your card is embedded with a chip*.

This technology adds a layer of verification to the transaction process, making your information more secure.

You will be asked to insert your PIN with each POS and ATM transaction.

The process of buying goods and services with your card is simple and secure:

  • Insert your card into the card reader.
  • Enter your PIN (make sure you insert the PIN provided to you by the bank – same one you will use on ATM).

*excluding the Internet card

3D Secure

3D Secure is an additional security layer for online card transactions by authenticating the cardholder during a payment transaction in order to reduce payment fraud.

More than 350,000 online merchants are already enrolled in this service and in order to complete the payment transaction, they will ask the cardholder to insert his 3D Secure password.

How it works:
The 3D Secure password is a dynamic password that changes with every transaction.

  • If the cardholder is making an online purchase at a 3D Secure participating merchant, he will be asked to enter his One Time Password (OTP).
  • The Bank will automatically send the cardholder the OTP to his mobile phone in order for cardholder to proceed with payment.
  • Every OTP is valid for one transaction and for 30 minutes from the time it is generated.