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UnionPay Content & Service Platform (UCSP) for Channel Partner
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UnionPay USSD payment can allow cardholder to make mobile payment by feature phone and GSM network. Merchant will display UnionPay USSD till number and the cardholder can enter bank’s USSD menu, input the till number other transaction information to make payment. This set of API allows issuer’s USSD Gateway to query merchant information linked to a UnionPay USSD merchant till number, so that UnionPay USSD payment can be supported.
Open
The platform is open. Merchant USSD till number can be displayed along with merchant QRC. The transaction can be completed with any USSD menu that can support UnionPay USSD payment.
Security
Security is a basic requirement for payments. UPI adopts Tokenization technology which supports risk control for whole transaction process, making sure of safety and preventing leakage of account information.
Integrity
UnionPay USSD payment sticks to 4-party mode which is almost the same with bank card transaction only except for the information interaction. UnionPay USSD payment has almost the same integrated mechanism of business, risk control, techniques as UnionPay QRC payment which makes user's capital secured.
When UnionPay Wallet Issuers want to connect to UPI in order to support USSD payment.
1. Customer enter USSD menu and input till number and transaction info
2. Mobile phone send payment request via USSD
3. USSD Gateway send till number query request to UnionPay system
4. UnionPay responds mapping QR code to USSD gateway
5. USSD Gateway sends QRC payment request to UnionPay
6. UnionPay sends QR code verification request to acquirer
7. Acquirer sends response to UnionPay
8. UnionPay sends payment request to issuer
9. Issuer sends payment response to UnionPay
10. UnionPay sends transaction notification to USSD gateway
11. USSD gateway send SMS transaction notification to mobile phone
12. UnionPay forwards the transaction notice to the merchant through the acquirer
Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
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Message Information | msgInfo | Object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | Object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | Object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
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Message Information | msgInfo | Object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | Object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | Object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | Object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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USSD-based Payment
In a USSD-based transaction, the Consumer can make a purchase on a feature phone via USSD messages. After the Consumer inputs a code string (e.g. *#150#) provided by Issuer to enter STK menu and chooses UPI network from the menu, the Consumer shall input Merchant’s Till Number, transaction amount, PIN, and confirm the transaction. Then the USSD gateway can initiate the USSD-based payment transaction to the UPI system. The message flow is as follows.
1. After the Consumer inputs Merchant’s Till Number, transaction amount, PIN, and confirms the transaction on a feature phone, the USSD gateway will submit a TILL_NUMBER_INQUIRY request message to the UPI system.
2. The UPI system returns the Merchant-presented QRC payload corresponding to the Merchant’s Till Number to the USSD gateway in the TILL_NUMBER_INQUIRY response message.
3. The USSD gateway sends the MPQRC_PAYMENT_EMV request message to the UPI system. The following steps are consistent with the steps in Figure 1: Flow of Merchant-presented QRC-based Payment (EMV mode).
Exceptional flow:
•USSD gateway: When the USSD gateway does not receive the TILL_NUMBER_INQUIRY response message within 10 seconds from the UPI system, the USSD gateway may initiate the inquiry again.
The prerequisite of USSD Wallet is to support merchant-presented QRC payment at system level. The USSD platform should be owned and operated by the issuer, and the issuer should apply for a new wallet ID which is especially used for its USSD wallet.
For issuer, please contact Developer Team.