In-APP

UnionPay Mobile Remote (In-APP) Payment provides a quick, convenient, and secure online payment channel for UnionPay cardholders via mobile devices within the Merchant app.

Appalicability

UnionPay International E-Commerce License,with UPOP5.0 (v.1.6 and above) or UPOP5.1 interface supported for system enhancement. 

Scenarios

“X-Pay”s In-APP Payment (Apple Pay, Huawei Pay, Mi Pay, etc.) 

UnionPay app payment

SecurePay In-APP Payment

3rd Party Wallet’s HCE In-APP Payment


Payment Flow

“X-Pay”s In-APP

Apple Pay:

支付流程1.png

Huawei Pay:

支付流程2.png

UnionPay app:

支付流程3.png

SecurePay In-APP:

支付流程4.png


Use Case

1 . Japan Suica (Apple Pay In-APP)

案例1.png

2 . Hong Kong Octopus

Apple Pay In-APP, Huawei Pay In-APP, SecurePay In-APP

案例2.png

3 . Macau Emedia

Apple Pay In-APP, SecurePay In-APP

案例3.png

Features

Supported payment methods

Card-not-present mode payment (similar to e-commerce business)

Card-present mode payment (Apple Pay, Huawei Pay, etc.)

Supported access modes

UPOP Direct connection mode

UPOP In-direct connection mode

Easy implementation

UnionPay development SDK available

High transaction success rate

Non-re-direction raises the high success rate

Liability shifted

Fraud liability shifted to the issuer side


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