Open API >Information Service >UnionPay and ECB Rates Comparation
UnionPay and ECB Rates Comparation
Information Service Issuer Mobile Payment Internet Payment
UPI and ECB Rates Comparation API provides access to UPI currency conversion rates and ECB (European Central Bank) reference rates of recent 90 days, which help European issuer comply with EU Regulation 2019/518.
API Introduction
API Introduction
What is it?

UPI and ECB Rates Comparation API allows you to query conversion rates of 32 currencies to Euro in recent 90 days.

The European Central Bank (ECB) reference rate in this API are extracted from European Central Bank official website:, of which the service is free of charge. 

According to the statements of ECB website, the reference rates of ECB are usually updated around 16:00 CET on every working day, except on TARGET closing days. They are based on a regular daily concertation procedure between central banks across Europe, which normally takes place at 14:15 CET. If there is any change in the future, ECB official website shall prevail.

Query Details:

Request Date

Transaction Amount

Transaction Currency

Cardholder Billing Currency

Percentage of Bank Fee

Fixed Bank Fee

Response Results:

UnionPay Rate

ECB Rate

Margin Percentage Including Bank Fee

Margin Percentage Excluding Bank Fee

Effective Conversion Amount

Effective Conversion Rate

Key Features

UPI exchange rates and ECB reference rate in recent 90 days

We provide UPI exchange rates as well as ECB reference rate in recent 90 days. You don’t need to get it ECB rates by yourself.  It’s a great way to satisfy European Issuers’ needs. The update frequency of ECB reference rate is consistent with European Central Bank official website.

Easy integration

When to Use it?

Display on your website or app

Display currency conversion rates on your website for cardholders’ reference

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

The fee for the API is subject to the 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 customer manager of your local marketing department of UPI or email to

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  • If you have any further questions, please register and submit order in your user center.