Effortless payments, easy settlement
Streamline cross-border payments and speed up your cash flow
UnionPay's acceptance network now spans 157 countries and regions, with 5.4 billion UnionPay cards issued across more than 40 countries and regions — serving the world's largest cardholder base with secure, convenient, and rewarding payments. Today UnionPay isn't just a consumer favorite; we partner with suppliers, traders, small and mid-sized online retailers, e-commerce platforms, logistics companies, banks, and payment providers worldwide to combine cross-border payments, fund security, and value-added services into one integrated cross-border platform for businesses. On our platform, you can:
Cross-Border Payments
Get standardized, around-the-clock cross-border B2B online payments, with support for UnionPay cards worldwide and China's major corporate online banking.
Fund security
Our products and policies strictly follow national and international financial security standards, and a professional settlement system keeps your funds safe.
Fast and efficient
We eliminate the complexity and long cycles of traditional trade payments, delivering a superior payment experience for our customers.
Trusted and open
UnionPay is guided by a philosophy of "shared growth and win-win partnership." We stay out of the e-commerce business and focus on payments with a neutral, open approach.
What can UnionPay do for you?
Industry-wide reach that unlocks limitless business value, together
Business services
Set up shop in the Cloud QuickPass marketplace to easily analyze traffic and manage everything online. Built by China UnionPay, the Cloud QuickPass app marketplace gives app users a curated online destination for quality products.
Massive user base · Omnichannel tools · Grow together
Gift voucher services
Build a service ecosystem where providers innovate freely and merchants earn from value-added services. We deliver digital gift vouchers to the Cloud QuickPass app across 6 categories: dining, cakes and fresh fruit, travel, everyday convenience, entertainment, and arts and photography.
Fund settlement
Give merchants transaction analytics, custom reports, and more — diverse solutions that power your business from every angle.
Fund settlement
Powered by UnionPay's core clearing system, we deliver tailored fund settlement services. This backend settlement solution supports the clearing needs of brands, franchisees, operators, and other roles, bringing large-merchant AT and settlement operations onto the UnionPay network.
Secure transactions
Financial-grade triple security — peace of mind, guaranteed
UnionPay risk system
Combines cardholder physical card data, mobile device data, and other risk-rating information
Keeps your customers safe through application and use — and gives merchants greater confidence.
Remote management services
Leveraging the connectivity of mobile devices
Remotely manage Cloud QuickPass products that may pose a risk
Protecting merchant interests and consumer rights to the fullest
User security protection
For losses from Cloud QuickPass fraud, we offer users fast, unified reimbursement — preventing disputes between consumers and merchants, putting customers at ease, and giving merchants total peace of mind.
How merchants get connected to UnionPay fast — Unified Checkout
Online Unified Checkout is a cross-bank payment product designed and built by UnionPay together with commercial banks, acquirers, and other industry partners, based on the rules and standards of the "four-party model." It supports a wide range of payment tools, including bank apps, the Cloud QuickPass app, UnionPay mobile QuickPass, SRC, and overseas wallet apps.
Step 01: Apply to join the network
Merchants can apply to join in two ways:
(1) Self-service onboarding:
(2) Onboarding assisted by an acquirer or service provider
Step 02: Apply for certificates
Before calling the APIs, the merchant's app developers need to obtain three certificates:a signing certificate, a sensitive-data encryption certificate, and a signature-verification certificate.
Step 03: Integrate and configure the SDK
Merchant developers can choose from JAVA, PHP, or .NET versions of the server-side SDK. The SDK packages core functions such as signing and signature verification and HTTP API requests. Add the SDK for your chosen language to your development project.
Add UnionPay to your mini-program
UnionPay Online, part of China UnionPay, is dedicated to giving UnionPay cardholders secure, convenient, and efficient online services — including WeChat mini-program payments powered by UnionPay Merchant Services.
1
Submit Your Documents
Submit your business license, ID, bank account, and other basic details online, then follow the prompts to complete account verification.
2
Sign the Agreement
Our UnionPay team reviews your application within 1-2 business days. Once approved, sign your agreement online and you're ready to start using every feature.
3
Connect Your Setup
Once your activation notice arrives, link your HantePay account details in the dashboard and start accepting payments.