Token Program

The UnionPay Payment Tokenization service operates in compliance with EMV payment structure specifications and has already been adopted across various product lines.

Cardholder Account Management Service (CAMS)

Cardholders can conveniently push a token to various payment application scenarios in an issuer app; this could greatly improve the card-binding experience and achieve "one-step binding."

B2B Virtual Card Control Platform(VCCP)

VCCP provides a web-based virtual card generation service. Customers (organizations or individuals) can log in to the UnionPay VCCP portal and generate virtual cards intended for various payment objects. Typical application scenarios are OTAs paying for suppliers like overseas hotels, airlines, and large organizations paying employee travel expenses.

Token Lifecycle Management

For issuing banks, UPl provides online Token management service platform, so that the bank can remotely access and manage relevant Token data of the UnionPay card. When the bank handles card loss reporting, loss unregister, card change and cancellation, etc., association works can be performed for the Token related with the card. For acquirers and merchants, VCCP provides lifecycle management service and transaction control function. Where, when and how the UnionPay virtual card used can be set and controlled by VCCP.

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