Appalicability
Acquirer: UnionPay International E-Commerce License
Merchant: PCI-DSS certification
Scenarios
Merchants with an account architecture
Card-on-file scenarios of UPI token service
Payment Flow
Enrollment Process:
Step 1: The cardholder adds a UnionPay card in their account on the merchant’s site. The acquirer sends an SMS-sending request to UnionPay.
Step 2: UnionPay forwards the request to the issuer.
Step 3: The issuer checks whether the card number and phone number match with the information stored in its system.
Step 4: The issuer forwards the result to UnionPay. If the information matches, UnionPay sends an SMS code to the cardholder’s phone number.
Step 5: The cardholder enters the SMS code.
Step 6: The acquirer sends the enrollment request to UnionPay.
Step 7: UnionPay verifies the SMS code.
Step 8: If the SMS code is correct, UnionPay forwards the enrollment request to the issuer.
Step 9: The issuer verifies the card information and forwards the result to UnionPay. Then UnionPay forwards the transaction result to the acquirer.
Payment Process:
Step 1: The acquirer sends a purchase or preauthorization request to UnionPay.
Step 2: UnionPay forwards the request to the issuer.
Step 3: The issuer processes the request.
Step 4: The issuer sends the transaction result to UnionPay.
Step 5: UnionPay forwards the transaction result to the acquirer.
Use Case
1 . Wallet merchant
2 . Large merchants
Large merchants with an account architecture that can manage card information or token information properly
Features
Frictionless model, one-click payment
Good user experience and high success rate
Risk controlled via initial authentication
- Steps & Work Content
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1
Apply for membership and e-commerce acquiring license
Contact the local UnionPay office, and fill in and submit the application form.
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2
Download SDK and documents
Download the SDK, implementation guide and interface specifications from the Institution Service Platform.
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3
Submit the application form
Submit the e-commerce acquiring application form with signature. TR Registration Form is additionally required for token service.
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4
Modify the system
Follow the implementation guide and interface specifications to modify the system.
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5
Test
Apply for testing on the UTSS platform, and conduct testing in UTSS.Apply for testing on the UTSS platform, and conduct testing in UTSS.
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6
Go live
Go live after passing the testing.
Merchant-hosted
In merchant-hosted solution, cardholders finish enrollment and payment processes at merchant/acquirer end without redirection in the entire payment flow.
Kindly Reminder