Reach Chinese shoppers globally

UnionPay (also known as China UnionPay, CUP or UPI) is the world’s biggest card network with more than 6 billion cards issued. It is widely used by Chinese shoppers internationally as well as domestically. Benefits include:

  • Accept UnionPay debit and credit cards online, in store and in-app
  • Acceptance in more than 125 markets
  • Access to Chinese shoppers at home and abroad
  • Offer ExpressPay, SecurePay or SecurePlus depending your needs
  • The ability to authenticate your shopper
  • Support UnionPay debit and credit cards on a fully certified EMV point of sale terminal

Support omnichannel shopper journeys

Adyen provides a Direct API solution for UnionPay credit cards, which includes support of omnichannel shopper journeys. An example flow is shown below:

Shopper orders item at home from a desktop and chooses to save card details.

Shopper buys additional item via the mobile app and pays with a single click.

Shopper makes a purchase in store with the same credit card.

From the shopper's card the sales associate can view all previous purchases and offer loyalty reward.

UnionPay shopper flow

Select UnionPay

Shopper chooses UnionPay from the list of available payment methods.

Provide payment details

Shopper provides the payment details in the Merchant website.


Authenticate (Optional)

If required, the shopper provides the SMS code that is sent to their mobile.

Note: A special flow for SecurePay Merchants it is also available.

Accept UnionPay with Adyen

Adyen offers a full service UnionPay solution, including reconcilliation, reporting and settlement services.

Market China and global
Settlement currencies CNY, EUR, GBP, HKD, JPY, SGD, USD
Supported channels Ecommerce and point of sale
Recurring payments Yes
Partial refunds Yes
Refunds Yes

Ready to integrate?

Client Side Encryption

With this integration the checkout takes place on your site, meaning you retain full control over design and customer data, but the payment data is encrypted before it passes through your system, reducing your scope of PCI compliance. 

Adyen's API integration

Businesses with advanced ecommerce requirements can connect to Adyen’s payment platform through a direct API integration. You can host your own payment pages and in-app checkout screens with control of transaction management and shopper data.

With this integration data is routed to your own server, so you must comply with strict PCI security audits. 

Directory Lookup

This feature allows you to dynamically serve up a targeted list of relevant payment methods based on your shopper's location, basket value or currency.


Get in touch to learn more