Appalicability

Instituions shall obtain UnionPay International E-Commerce License to conduct ExpressPay business

Scenarios

PC-based e-commerce payments

In-app card not present payments

Other multi-media devices, such as games consoles or live streaming platforms.

Payment Flow

Step 1: The cardholder enters their card number, expiry date, and CVN2 on the merchant’s checkout page.

Step 2: The transaction is submitted by the merchant to acquirer, the acquirer passes the transaction to UnionPay, and UnionPay passes the transaction to the issuer for verification.

Step 3: The issuer performs the approval process and responds to the transaction in the same way.

Step 4: The payment is complete. The merchant and cardholder both receive notifications.

Step 1: The cardholder enters their card number, expiry date, and CVN2 on the merchant’s checkout page.

Step 2: The transaction is submitted by the merchant to acquirer, the acquirer passes the transaction to UnionPay, and UnionPay passes the transaction to the issuer for verification.

Step 3: The issuer performs the approval process and responds to the transaction in the same way.

Step 4: The payment is complete. The merchant and cardholder both receive notifications.

Use Case

Features

Standard Card Not Present e-commerce Payment Product

Competitive Transaction Approval Rate

Streamlined Liability