Appalicability
To launch the UnionPay QR Code product among merchants, acquirers shall obtain UnionPay International QRC Acquiring License.
Scenarios
1. Face-to-face in-store payment
2. ATM withdrawal
3. Self-service terminals such as parking lots, vending machines etc.
Payment Flow
Merchant-Present Mode
1. UnionPay card-provision for first-time use (cardholder to set app PIN)
2. The cardholder scans the merchant QR Code.
3. The cardholder confirms the transaction amount and app CVM.
4. The transaction is complete, and the merchant and cardholder both receive notifications.
Consumer-Present Mode
1. UnionPay card-provision for first-time use (cardholder to set app PIN)
2. The cardholder generates the payment QR code in the consumer app.
3. The merchant scans the QR code.
4. The transaction is complete, and the merchant and cardholder both receive notifications.
Use Case
1 . Offline in-store purchase
Merchant-Present QRC: QR code generated by acquirer and displayed on the merchant side.
Consumer-Present QRC: QR code generated and displayed by the consumer app.
2 . O2O payment
Usage scenarios include ordering a meal with a QR code, food delivery, etc.
Order meal with a QR code
Shared public service (public bikes, power banks etc.)
Parking lot
Public transportation
Features
EMVCo standard-based and tokenization to ensure global interoperability and security
Flexible online message format (ISO8583 and JSON)
Flexible cooperation mode (indirect and direct connection)
UnionPay provides the acquirer with the merchant management portal and merchant app (direct only)
Merchant-present mode supports static (cardholder inputs transaction amount) and dynamic (with fixed amount)
Consumer-present mode supports “no CVM” payments under a certain transaction amount
Kindly Reminder