Appalicability

To launch the USSD solution, the member needs to have a QRC business license.

For acquirers, USSD acceptance should be launched along with merchant-presented QRC acceptance on both a technical level and business level.

For issuers, the USSD wallet gateway should support a merchant-presented QRC payment related interface on a technical level, as well as till number inquiry interface. The USSD wallet should also obtain a Wallet ID assigned by UnionPay.

Scenarios

Feature phone mobile payment

GSM network mobile payment

Implement along with QRC on the acceptance side

Payment Flow

1. User inputs a code string (e.g. *#150#) provided by the issuer to enter the STK menu

2. User chooses a network from the menu according to the merchant’s acceptance

3. User inputs the till no., transaction amount and PIN, and confirm the transaction

4. The payment is complete, and both the consumer and merchant receive an SMS notification

Features

Supports mobile payments with feature phones under a GSM network

The merchant can be clueless about USSD and QRC payments with both looking the same to the merchant

The customer can choose to pay with USSD or QRC according to their device, network capability and user habit