UnionPay Frictionless Payment Platform (UFPP) provides non-stop payment user experience with automatic deduction from a bank card through binding the UnionPay card with a car plate number under the scenario of car parking or highway toll fee payment. When a car passes through the barrier gate, the information of the car can be read through automatic car license plate recognition technology and the parking fee will be culculated based on parking fee rules at car park back system. The car park will initiate a payment rqeuest to UFPP, then the parking fee will be deducted automatically.
Security is a basic requirement for payments. UPI Frictionless Parking solution adopts payment tokenization to guarantee payment security.
Parking fee can be paid in a frictionless way.
UPI Frictionless Parking solution reduces queueing time and optimize the parking traffic
UPI Frictionless Parking solution provides open solution. The service can be enrolled from any APP that supports UPI’s Frictionless Payment, and transaction can be initiated from any car park that supports UPI’s Frictionless Parking.
Applicable to mobile App providers and car park merchants that want to integrate UPI Frictionless Parking function and provide frictionless parking payment service to their customers.
1．UnionPay frictionless payment supports the credit card, debit card and pre-paid card which is issued outside Mainland of China, and credit card issued inside Mainland of China.
2．The priceing will adopt the UnionPay online payment pricing stadard. If there is a special price for car park MCC, the special price will previal.
3．Dispute resolution will follow current dispute resolution process for UnionPay online products.
a)If the frictionless payment fails, the car information will be added into the black-list. The car can only be removed from the black-list after the user proactively pays the fee. Otherwise, frictionless payment will be not available next time when the user enters the UnionPay frictionless payment car park.
b)For users who fail for the deduction, UFPP will prompt SMS or APP alert to remind the cardholder to deal with the failed payment.
c)Car park should retain CCTV videos and other information to record the using logs.
5．Bar-lifting mode of Car Exit
The following two types of bar-lifting models are supported by UnionPay when cars exit the car park:
1)Bar-lifting before payment
In this mode, if the frictionless payment fails, in fact, user has already enjoyed the parking service but failed to make the payment. In this case, the car information will be added into black-list. Once got blacklisted, user cannot enjoy frimctionless payment anymore untill he/she pays the parking fees proactively.
2)Bar-lifting after payment
In this mode, if the frictionless payment fails, user has to pay the parking fee offline before leaving, then UnionPay will not add the car information into black-list.
|01||Please refer to the card issuer|
|04||Pending. Transaction result is unknown. Please check later|
|05||Cardholder verification fails|
|14||Invalid card number|
|15||No such issuer|
|21||Card status error|
|25||Unable to locate the original transaction|
|30||Message format error|
|40||The transaction is not supported by the issuer|
|57||Transaction not permitted to cardholder|
|61||Exceeds approval amount limit|
|90||The system is in cut-off|
|91||Issuer system error|
|96||UnionPay system error|
|A0||Signature verification fails|