UnionPay provides a wide range of products to issuers and cardholders,we have credit, debit and prepaid from card type perspective, and we also offer featured products such as premium card, Asia Theme card and Commerical card.
The UPOP platform allows a cardholder to securely complete online transactions anytime, anywhere via a computer, cell phone, or tablet.
UnionPay Mobile Quickpass incorporates both offline contactless and online in-app payment with mobile devices, with NFC&QRC all in one(Huawei Pay) and HCE solution offered.
QR code can enable any smartphone with screen and camera to become mobile wallet and make payment. Implementation on merchant side is also flexible.
A platform offered by UnionPay to Merchants with functionalities including but not limited to cross-border payment, E-commerce settlement, and order management.
The ASIA Theme Card focuses on segment living or traveling in Asia. It creates exclusive benefits focused in Asia and concentrates on name brand co-op & brand awareness. Besides existing UnionPay International platform offers, cardholders experience exclusive treatment during their trip. It provides the best offers in the Top 20 key Asian cities, including airport privileges and exclusive and destination offers. To meet the needs of different segments, it’s divided into Asia Prestige and Travel Mate Asia. Asia Prestige is targeted at high net wealth cardholders and provides continuous premium privileges for outbound travel. Travel Mate Asia is targeted at the mass segment who live or travel in Asia. The key differences between the two are the airport privileges provided and card fee collection. Asia Prestige cardholders enjoy complimentary global airport privileges upon card fee collection. Issuers can choose one or both of the programs, contact your local UnionPay International branch for details.
UnionPay International is committed to providing businesses with one-stop solutions. UnionPay International’s Commercial Card provides meaningful solutions to all corporates with a convenient method for paying corporate expenses while ensuring compliance with company policies. Based on different target commercial sectors, the UnionPay Commercial Card is divided into the Business, Corporate and Purchase Cards. The UnionPay Business Card targets owners of SMEs, sole proprietors and entrepreneurs to help them conveniently and securely manage their purchasing and travel spending. The UnionPay Corporate Card is ideal for large domestic and multinational corporations to provide employees with a convenient method for paying T&E expenses. The UnionPay Purchasing Card offers large corporations and government institutions a simple solution to complex purchasing processes for online and offline transactions, while ensuring compliance with company policies. There is always a UnionPay Commercial Card to suit your needs.
UnionPay International Core Card products are for card-based payments and include debit cards, credit cards, prepaid cards and virtual cards. UnionPay International Core Card products support payment and settlement related functions, such as consumer settlement, transfer, payment, and cash deposit/withdrawal based on the card types’ different features. UnionPay International Core Card products are some of the basic products for UnionPay's overseas card issuance business.
It offers both platinum cards and diamond cards along with a variety of theme cards aimed at specific market segments.
Based on the EMVCo 3-D Secure Protocol, it is a global solution designed to make e-commerce transactions more secure using identity verification and "big data" analysis.
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.
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.
Merchant-Hosted offers an easy and convenient payment user experience without being redirected from the merchant's page while ensuring a high level of security with prior card enrollment and cardholder identity verification before first use. After the card is enrolled, subsequent payment experiences will be a “one-click” experience, without the need to enter any card information or SMS code. Merchant-hosted is also one of the card-on-file scenarios of UPI token service. If the merchant or payment service provider wants to uses Payment Tokens in lieu of PANs in card-on-file database, the merchant can apply the payment tokens through UnionPay TSP system.
SecurePay is a comprehensive Internet integration product, provided by UnionPay and its global partners. Cardholders can use their card information, e-banking or a QR code to complete their payment safely on SecurePay's page. In particular, SecurePay would redirect to the QR code payment page for mobile wallet apps to finish payments. Such mobile wallets would include QuickPass from UnionPay and wallet apps from banks, etc.
Based on the EMV Secure Remote Commerce standard, it provides a faster, safer, and more convenient checkout experience where cardholders may use their binded card on every merchants that supports Click to Pay
Huawei Pay is a mobile payment service provided by both UnionPay and Huawei for Huawei devices. Huawei Pay supports an NFC & QR code all-in-one solution and in-app provisioning solution, and users can conduct NFC payments, QRC payments and in-app payments with cards registered in Huawei wallets.
Apple Pay is the service that can support in-store and in-app payments with Apple Inc., and takes the advantage of NFC, biological technology and Wallet to realize secure and reliable payment services.
UnionPay’s Cloud-Based HCE solution allows NFC-enabled Android smartphones to emulate a contactless IC card to make NFC payments on QuickPass terminals. In this solution, it does not require the mobile device to have SE (Secure Element), which covers more mobile device models. Also, UnionPay’s Cloud-Based HCE solution shares token provisioning APIs with QRC business, which lowers the development costs and speeds up the deployment for issuers.
The UnionPay QR Code Payment Product is a low cost, convenient and secure mobile payment service for both cardholders and merchants and is based on EMVCo QR Code technical specification to ensure global interoperability and capability of aggregation. The UnionPay QR Code offers both merchant-present mode either static or dynamic, where cardholders use their mobile wallet app to scan the merchant’s QR Code to initiate payment, and consumer-present mode, where merchants use their cashier device (POS, merchant app, scanner etc.) to scan the cardholders payment QR code to initiate payment.
With the QRC Cash Withdrawal product, the ATM displays a dynamic QR code on the ATM screen, and the cardholder can use an enabled UnionPay mobile wallet to scan the QR code to initiate a cash withdrawal transaction. This product enables the ATM terminal to support mobile ATM withdrawal acceptance, which brings cardholders convenience as well as safety.
The online QRC is displayed on multi-media devices connected to the Internet other than cell phones, such as PCs, TVs and even games consoles. In this solution, consumers can scan the online QRC via the UnionPay-enabled wallet (app) on their phone to complete the payment, which is fast, safe and convenient. The online QR code is dynamic with a fixed amount in EMVCo as standard. It has two subtypes: SecurePay QRC and Online Merchant QRC.
B2B Card-Based Payment is a service provided by the UnionPay B2B platform, which helps buyers to pay money when they purchase goods from online trade platforms or traditional offline marketplaces. Overseas buyers can pay on the B2B platform with a UnionPay card using either direct payment or e-invoice payment.
The fund collection solution is designed for domestic platforms, who need to collect consumers’ payment at first then pay to overseas suppliers periodically and in batches.
Payout is a service offered by acquirers to platform merchants, which enables the merchants to credit merchandise/service providers’ UnionPay cards based on sales details, etc. through Primary Credit Transactions.
Cross-Border Payment Indirect Connection provides information transfer and fund clearing services between overseas collection institutions and domestic payment institutions.