UnionPay
UnionPay is a global card payment network used by issuers, acquirers, and merchants to accept UnionPay-branded card payments.
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Company Overview
CHNFeatures
Global network acceptance
Supports card payments across domestic and cross-border markets. Availability for your business depends on your PSP/acquirer and merchant category.
Ecommerce and in-person enablement
Can be enabled for online card-not-present and card-present transactions. Check whether your integration supports required fields and local processing routes.
Authorization and routing options
Authorizations may be routed via your acquirer’s UnionPay connectivity or regional partners. Routing and currency choices can affect customer experience and reporting.
Approval rates and decline visibility
Track authorization success and decline reasons by BIN/issuer region and currency. Ensure your PSP provides scheme/issuer response codes for troubleshooting.
Security and data handling
Operates within standard card-network security expectations alongside your PSP/acquirer controls. Use tokenization and PCI-aligned handling for stored credentials.
Authentication support
For ecommerce, confirm support for cardholder authentication flows used on UnionPay cards where applicable. Align authentication settings with your risk and conversion targets.
Disputes and chargebacks
Dispute processes follow card-network rules and your acquirer’s workflow. Capture strong order, delivery, and customer communication evidence to respond on time.
Reliability and operational monitoring
Monitor authorization latency, timeouts, and soft declines by region and issuer. Set alerts for spikes during peak traffic and cross-border campaigns.
Tip from SmartRetry If UnionPay declines are elevated, segment by issuer country/BIN and currency, then validate your acquirer routing and required transaction fields with your PSP.
Currencies
Settlement currency
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Processing currency
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FAQ
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