Open API >Information Service >UnionPay Conversion Rate Calculator
UnionPay Conversion Rate Calculator
Information Service Issuer Mobile Payment Internet Payment
UnionPay Conversion Rates API provides easy access to UPI daily cardholder currency conversion rates for the given currency pairs, float percent and amount
API Introduction
API Introduction
What is it?

UnionPay Conversion Rates API allows you to query UnionPay daily exchange rates for the 150+ global currencies in recent 90 days. You can provide a source and destination currency pair,a source amount, and a float percent(if any) and get back the effective conversion amount. 

The exchange rates provided in this API are from UnionPay System. The applicable exchange rates in UnionPay System are composited data from multiple market sources and subject to market-oriented principle. Additional fees charged by Issuers (if any) and data rounding are excluded.

Normally, UnionPay card transactions apply the exchange rate of the transaction date, but under certain circumstances, the exchange rate on the settlement date may be applied. (Note: Transaction date is the day on which a transaction is initiated, while settlement date is the day on which UnionPay settles the transaction fund with the Acquirers and the Issuers.)

UnionPay system updates the exchange rates on a daily basis from Monday to Friday, and transactions occurring on Saturday and Sunday apply the latest exchange rate updated on Friday. Under normal circumstances, the exchange rates are updated at 16:30 Beijing Time (GMT+8). Please note that the update of exchange rates in the API may be later than the aforementioned UnionPay system update time.

Please note that the destination currency range you can access are determined to the approval of your production application.

Query Details:

Request Date


Source Curency

Destination Currency

Percentage of Float

Response Results:

UnionPay Rate Date

UnionPay Conversion Rate

UnionPay Conversion Amount

Effective Conversion Amount

Key Features

Transparent user experience

You can request the float percent and amount number filled on your shopping website or app by cardholders through this API, so that they could know the reference price clearly.

UPI standard exchange rate 

Get the latest standard exchange rate of UnionPay on demand

Calculate according to the business scenarios

Easy integration

When to Use it?

Display on your overseas shopping website

Display currency conversion rates on your website or app for cardholders’ reference

Enhance user experience when travelling 

Provide exchange rate inquiry as value-added service for travel apps’ customers.

Who Use it?
Where to Use it?
This API is available globally
Things to Know

The fee of the API is subject to UPI Fee Manual.

Flow Chart
Flow Chart


Access Flow:

1. API Caller apply to use APIs

2. UPI approve application, update white list and generate key pair, then provide API Caller the public key and user ID (appID)

Call Flow:

3. API Caller uses the public key to encrypt the request message which include caller’s user identity information

4. UPI verify API Caller’s identity, decrypt request message, and return response data encrypted by using private key.

Steps to Launch
Steps to Launch

If you are UPI member, you need to fill in the Application Form of API Service Product with Terms and Conditions.

If not, you need to sign the Protocol of API Usage and fill in the Application Form of API Service Product.

Please contact the customer manager of your local UnionPay marketing department or email to

FAQ and Documentation
FAQ and Documentation
  • Q :
    Why can't I access certain currencies?
    A :

    The currency range that the caller can access is related to its your business range.

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