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Open API >Online Payments >Online Merchant QR Code
Online Merchant QR Code
Online Payments Merchant Acquirer Internet Payment
Online Merchant QR Code provides a convenient and secure payment solution for direct-connected merchants or UPI acquirers.
Sandbox Testing
API Introduction
API Introduction
What is it?

Online Merchant QR Code provides a convenient and secure payment solution for direct-connected merchants or UPI acquirers. It allows acquirers or merchants to generate and display EMVCo standard QR code by themselves and submit transaction message to the back-end URL of UnionPay Online Payment System(UPOP in short). Users of UnionPay wallet can simply scan the QR code and complete payment.

Key Features

• QR code can be generated and displayed on merchant’s  personalized page

• EMVCo Standard QR code is adopted to be available for all UnionPay standard wallets


When to Use it?

Applicable for institutions or direct-connected merchants that connecting to UnionPay by UPOP

Who Use it?
Acquirers or direct-connected merchants
Where to Use it?
This API is available for outside of mainland China
Flow Chart
Flow Chart

Online Merchant QR Transaction Flow (2).png

1. Acquirer/Merchant provides payloads to UPI

2. UPI responds to Acquirer/Merchant

3. Acquirer/Merchant generates QR Code online

4. Cardholder scan QR Code via Wallet App

5. Wallet App provide payload to UPI System

6. Issuer completes authorization and respond to UPI
Merchant-Presented QR Code Encoding Method
Merchant-Presented QR Code Encoding Method

Please refer to Merchant Presented QR Code Encoding Specification
Steps to Launch
Steps to Launch

The developer should implement this product as an UnionPay acquirer or direct-connected merchant. Please submit order to Developer Operation team to get contact with our local UnionPay office. The whole process would include applying for qualification, completing development, running test with UnionPay, then going live
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  • If you have any further questions, please register and submit order in your user center.
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