Wallet & Membership Terms

The wallet holds prepaid value for buying goods and services from Lao Derm Group units only (a closed-loop system). It is not a bank account or a deposit and earns no interest.

• It cannot be withdrawn or exchanged for cash, or used to pay people or merchants outside the group
• Currency: Lao kip (₭)
• One wallet per person, tied to the member account

• Online (OnePay QR, card) or in cash at a counter by showing your member QR
• Minimum and maximum amounts per top-up and a maximum wallet balance apply, as shown on the top-up screen
• Top-up bonuses, if any, follow the reward rules published at the time and cannot be withdrawn
• Check the amount and ask staff for a receipt whenever you top up in cash

• Scan & Pay: scan the unit's QR → enter the bill amount → confirm with your PIN or password. A confirmed payment is treated as authorised by you
• Check the unit name and the amount before confirming; show the "Payment successful" screen (live clock and reference) to staff
• Per-payment and daily limits apply for your protection
• Five wrong PIN attempts lock the account for 15 minutes

• You may share a booking's payment link so someone else can pay. Anyone holding the link can see that booking's details — send it only to people you trust
• When you book for someone else you confirm you have their permission to give us their name and phone number
• Sending credit between members is a gift: daily limits apply, it cannot be reversed once confirmed, and it must not be used for trading, lending or money exchange
• Points for a payment go to the account that owns the booking; for a guest booking, to the payer

• Points are earned on the amount actually paid (not on discounts or redeemed points); rates and tier multipliers are shown in the app
• Leaf / Bloom / Heritage tiers follow your cumulative paid spend
• Points can be redeemed for up to half of a payment; they have no cash value and cannot be transferred
• One promo code per payment; minimum spend, dates, units and usage limits apply
• Item vouchers can be used once, before their expiry date, at the unit stated
• We may change or end reward rules and promotions for future payments; rewards already granted are not affected

• A wallet-paid booking cancelled within the cancellation terms is refunded to the payer's wallet at once; redeemed points are returned and earned points taken back
• A mistaken Scan & Pay: tell staff straight away; the unit asks head office to correct the balance
• Account closure or the wallet service ending: unused value you topped up with real money is handled as the applicable law requires — contact customer service

• Keep your PIN/password and OTP secret. Staff will never ask for them
• Tell us immediately if your phone is lost or you suspect someone else is using your account; we can suspend the wallet
• Every movement is recorded in your history with a reference and notified to you
• We may hold or review transactions we suspect of fraud, misuse or a breach of law

These terms supplement the Terms of Use and the Privacy Policy and are governed by the laws of the Lao PDR, including Bank of the Lao PDR rules on payment systems. During the sandbox period the wallet does not take real money.