How It's Used

With a few easy taps, using CMO will take your payment experience to a whole new level while maintaining the utmost standard of security and simplicity. *
Learn more about the banks associated with CMO, CMO BANKS *Services offered vary per issuer
01
Request OTP

Request OTP

To add an extra level of security, each and every CMO transaction requires a One-Time-Password (OTP) to be completed successfully. You’ll get your OTP via SMS within seconds of requesting it.
02
Person-to-Merchant Payments

Person-to-Merchant Payments

Make Non-Face-to-Face payments at any CMO participating merchant or Face-to-Face payments with a MasterCard PayPass tag from a list of retail stores. To pay with CMO for your deliveries, the merchants page gives you a complete list of stores and restaurants that accept CMO payments.
03
Person-to-Person Payments

Person-to-Person Payments

Transfer money from one CMO user to another CMO user instantly.
04
Cardless ATM Withdrawal

Cardless ATM Withdrawal

Withdraw cash at any CMO participating ATM without the need for an actual card. Instead, get a cardless code to use at the ATM and withdraw the amount the way you normally would.
05
ATM Locator

ATM Locator

Find a CMO participating ATM that supports cardless transactions near you or at a specific location by using the ATM Locator.
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