Officially launched on 31 March 2005, mPAY is MBF Cardsī payment innovation that enables two MBF CardMembers to perform cashless transactions with one another using SMS via your MBF Cards. You can either be the Seller or Buyer of food, goods and services in an mPAY transaction. The Seller's MBF Card account will be credited while the Buyer's MBF Card account will be debited.