5.6 UNIONPAY
UnionPay SecurePay is a secure and simple payment method provided by UnionPay International, designed to meet the payment needs of cardholders in various e-commerce scenarios. Through UnionPay SecurePay, users can securely complete payments using bank card information, electronic banking, or QR codes. This payment method supports various e-commerce scenarios, including purchasing goods, booking hotels and tickets, paying bills, etc.
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.
| Scenario | Category | Payment method | Payment product | Integration type | Authentication | Redirect Type | Code Type | Pre-auth | Partial Refund | Cancellation supported |
|---|---|---|---|---|---|---|---|---|---|---|
| ONLINE | Ewallet | UNIONPAY | SECURE_PAY | API, | - | In-web | - | YES | YES | YES |
| OFFLINE | Ewallet | UNIONPAY | ORDER_CODE | API, POS | - | - | Order code | - | YES | YES |
| OFFLINE | Ewallet | UNIONPAY | PAYMENT_CODE | API, POS | - | - | Payment code | - | YES | YES |
| ONLINE | Ewallet | UNIONPAY | STATIC_QR | EMVCO_QR | - | - | Static code | - | YES | YES |
| Payment Product | Description |
|---|---|
| SECURE_PAY | Unionpay payment product. This payment product will redirect user to an web，consumer can input unionpay card informtion or use QuickPass app to scan the QR code displayed in the web to complete the payment |
| ORDER_CODE | Merchant-Presented Mode Payment product. One code value can only be used for one transaction. For example, the order code displayed on the merchant's terminal screen or printed on the cashier's receipt. After the user scans the code, the user usually does not need to enter the transaction amount to initiate the payment. |
| PAYMENT_CODE | User-Presented Mode Payment product. The merchant uses a code scanning device to scan the payment code in QuickPass app and complete the deduction. |
| STATIC_QR | Merchant-Presented Mode Payment product. With the STATIC_QR Payment product, users can scan the STATIC_QR generated by the merchant and enter the payment amount to complete the payment. Merchants do not need to apply an updated QR code or purchase any equipment for collecting payment if merchants join the UPAS network.. |
Experience and integration process
Capabilities | APIs | Description |
|---|---|---|
Initiate a payment | PAY | |
Initiate a Pre-authorization payment | PAY | |
Pre-authorization completion | preAuthComplete | |
Cancel pre-authorization/ Cancel the payment | CANCEL | Only a full cancellation is allowed. |
Refund a payment | REFUND | |
Inquiry transaction result | DETAIL | |
Notify transaction result | NOTIFACATION |
Initiate a payment/Pre-authorization payment
Field | Description | Required |
|---|---|---|
paymentMethod | Must be "UNIONPAY" | M |
product | For SecurePay, it must be "SECURE_PAY"; | M |
authorizeType | In a Pre-authorization payment, it must be "Preauth" | C |
payCodeValue | It's required when the product is "PAYMENT_CODE" | C |
expireAt | The format is "yyyy-MM-dd hh:mm:ss", and it must be less than 72 hours after the payment request is sent. | M |
RiskData.source | It's required when the payment method is "UNIONPAY". Transaction source: web app wap | M |
Handle the payment result
To complete the payment:
- SECURE_PAY
- Redirect shopper(payAction, "type": "REDIRECT", "Url" ) to open the online payment page. You should decode the Base64 string into a html code, that can be openned in shopper's browser.
- Use the data.status from the PAY response to present the payment result to your shopper. You can also wait the NOTIFICATION or submit a DETAIL request for the payment result
- ORDER_CODE
- Present the QR code image(payAction, "type": "QRCODE", "redirectUrl" ) to the shopper for scanning.
- After the shopper completes the payment, wait the NOTIFICATION or submit a DETAIL request for the payment result.
- PAYMENT_CODE
- Use the data.status from the PAY response to present the payment result to your shopper. You can also wait the NOTIFICATION or submit a DETAIL request for the payment result.
- STATIC_QR
- After the shopper completes the payment, wait the NOTIFICATION for the payment result.
Updated 7 days ago