ExpressPay

The ExpressPay product provides a fast and easy UnionPay online payment solution to acquirers and merchants. It allows cardholders to stay on the merchant/acquirer page to complete a payment for different terminals, such as PC, iPad, and mobile. ExpressPay will process e-commerce Non-Authentication mode transactions for acquirers. ExpressPay can support UnionPay credit cards and signature debit cards and debit cards.

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

1 . A typical online retail store

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Features

Standard Card Not Present e-commerce Payment Product

Competitive Transaction Approval Rate

Streamlined Liability


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