Mobile Payment

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The “UnionPay” mobile application is the unified mobile payment portal of China’s banking industry, developed and launched by UnionPay together with commercial banks and payment institutions in China. The app integrates the mobile payment functions, special services and benefits of various banks and institutions, providing secure and convenient one-stop mobile payment services for its users.

As of today,UnionPay cardholders can enjoy safe and convenient mobile payment services, including QR code-based payments and contactless payments, in 94 countries and regions. UnionPay QR code payment is accepted at over 30 million merchants in mainland China, and is accepted in 44 countries and regions outside mainland China, now over 1.5 million merchants accepting UnionPay QR code payment. The app users can also make tap&go contactless payments at over 7 million POS terminals in 82 countries and regions in Japan, Australia, Canada, Russia etc.

UnionPay Mobile QuickPass

UnionPay Mobile QuickPass service incorporates both offline contactless and QR code payment as well as online in-app payment with mobile devices. The service include mobile payment products of Huawei, MI, OPPO, vivo, Apple, Samsung, Meizu and HCE mobile payment products.
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UnionPay QR Code Payment

UnionPay QR code payment offers P2P, P2B and B2B funds receiving and paying as well as value-added services via QR code. It mainly provides solutions for spending, transferring and cash withdrawal, and has two modes: the Push Mode (purchasers use their mobile App to scan the QR code presented by the merchant to initiate the payment) and the Pull Mode (merchants use QR code reader to scan the QR code in customer’s App to initiate the payment).

Secure Transactions

Financial-level Triple Security Protection

UnionPay Risk-control System First

Integrate card information, mobile device information and other related risk-rating information

Ensure safety in both application and use
Remote Management Services Second

Based on the characteristics of mobile networking

Conduct remote management for products that may be at risk

Protect user rights and interests to the utmost extent
User Security Protection Third

Provide users with standard quick loss compensation

For QR code payment fraud via the “UnionPay” app

Activating Process

Easy to download and use the “UnionPay” app

Download and install

Scan and download “UnionPay”

01
Press “My Account”
02
Press “New User Registration”
03
Register with mobile phone number, enter SMS verification code, and set login password
04
Registration done

Bind card/Real-name authentication, and activate in-app payment function

01
Press “Card Management” and then press “+” to enter bank card number or automatically recognize the card number by taking a picture of card
02
Fill in personal information
03
Enter SMS verification code
04
Set payment passwords, and then re-confirm it

Done

Use UnionPay mobile payment services outside mainland China

With the “UnionPay” app, users can conveniently activate UnionPay mobile QuickPass function and then make tap-and-go payments at over 4.4 million POS terminals in 51 countries and regions outside mainland China (Hong Kong, Macau, Taiwan, Japan, South Korea, Singapore, Canada, Russia, The United Arab Emirates, Greece, etc.). In addition, users can make scan-and-go payments in 33 countries and regions outside mainland China (in Asia Pacific, North America, South Pacific, Central Asia, Africa, North America).

List of Recommended Merchants
Countries and Regions	Merchant Name
Hong Kong, China	Selected merchants
Macau, China	Selected merchants
Taiwan, China	Ever Rich, Tasameng, Taipei 101, Shin Kong Mitsukoshi, Breeze Center, BellaVita, Sogo, Eslite, MITSUI OUTLET PARK, Global Mall, The Han Li, 7-11, FamilyMart, Cosmed, Watsons, Taiwan Taxi, Taiwan High Speed Rail, Taiwan Railways, Taoyuan Metro, Carrefour, RT-MART, Wellcome, SUGAR & SPICE
South Korea	Doota, GS25, Watsons, GongCha, Oak Valley, Lotte Duty Free, Shinsegae Duty Fee, Hyundai Department Store Duty Free, Shilla Duty Free, Dongwha Duty Free, Lotte World, EVERLAND, Seoul Taxi, AKPlaza, Emart24
Japan	Ginza※, Kintetsu Department Store, TIAT DUTY FREE※, Laox※, JTC Duty Free, Embassy of the People’s Republic of China in Japan, LOFT, Himeji Castle, Kansai Airport (KIX), Tokyu Plaza Ginza (※ only some stores)
Singapore	HEYTEA, Old Chang Kee, Eu Yan Sang, Song Fa Bak Kut The, Soup Restaurant, SKECHERS, Old Seng Choong, G2000, Dunkin' Donuts, GNC, ALDO
Thailand	King Power, Central Department Store, GEMS Gallery, GMS Duty Free, Siam Paragon, The Mall Group
Australia	Myer, Harvey Norman, Coach, UGG, MUJI, HUGO BOSS, Pandora, Uniqlo, Zoos, KFC, Dream World, Wild Life, Sea World, Movie World, Hermes, Gucci, Jurlique, Aesop, Ikea Australia, Freedom, French Collection, T2, Michael Hills Jewellers, Prouds
Russia	More than 1 million merchants including TSUM, Azbuka Vkusa, Perekrestok, M.Video, L'etoile, Rive Gauche, Sportmaster and Pyaterochka

Note：The merchants list above is provided by partners of UnionPay International, and the actual use situation may vary. Please see whether the merchants display the identification for UnionPay acceptance.

Users of the “UnionPay” app and other mobile apps supporting UnionPay Transit QR code, can take public transport by making scan-and-go payments. UnionPay Transit QR codes can be scanned with or without Internet, and the code can be verified immediately, making the whole process frictionless.
To date, UnionPay Transit QR code is accepted by KAOHSIUNG Metro, and will be accepted by public transit in Hong Kong, offering UnionPay cardholders safer, time-saving and convenient transit experience.

Check about how to activate and use UnionPay Transit QR Code

How to activate (Take KAOHSIUNG Metro as an example)

Press “More” on the front page of the “UnionPay” mobile app
Choose “KAOHSIUNG Metro Code” in Overseas Services
Tick “I Agree” and “Read and Agree with the Notice on Application for Transit Code”
Press “Activate UnionPay Frictionless Payment”
Done

How to use

Press the “KAOHSIUNG Metro Code” in the “UnionPay” app
Generate a QR code
Have the code scanned by scanner
Gate opens

UnionPay mobile payment services available to customers outside mainland China

To date, the UnionPay app is launched in Hong Kong and Macau. Local customers can download the app and bind locally-issued UnionPay cards. Then, they can make QR code payment in Hong Kong, Macau, mainland China and many other destinations worldwide. They can also make in-app payment via the app. This service will support UnionPay credit, debit and prepaid cards issued by most of the issuers in Hong Kong and Macau progressively.

In addition, UnionPay mobile QuickPass products are launched in Hong Kong, Macau, South Korea and Russia. Local UnionPay cardholders are able to bind locally-issued UnionPay cards with their mobile phones and then conveniently pay by tapping mobile phone at about 19 million POS terminals globally.

In Hong Kong, cardholders can use UnionPay mobile QuickPass by binding mobile phone with UnionPay double-currency credit cards and UnionPay debit cards issued by BOC Hong Kong, UnionPay debit cards issued by Standard Chartered Bank (Hong Kong), UnionPay credit cards issued by Bank of East Asia (Hong Kong), HSBC, Hang Seng Bank, PrimeCredit Limited, and ICBC Asia, as well as UnionPay prepaid cards issued by HKT. At present, UnionPay is the only card brand providing debit cardholders with mobile payment solutions in Hong Kong.

UnionPay HCE mobile QuickPass products issued in Macau is the first mobile credit card product launched locally. Cardholders of UnionPay cards issued by ICBC Macau can use the secure and convenient payment services by means of UnionPay mobile QuickPass. UnionPay is also the first card brand providing the service of Apple Pay in Macau; cardholders with UnionPay credit cards issued by ICBC Macau and UnionPay credit and debit cards issued by BNU.

Customers in South Korea can bind their UnionPay cards issued by BCcard and its member banks with Android mobile phone with NFC function (Android 4.4.2 and above) via the official website and APP of BCcard Company.

UnionPay mobile QuickPass Huawei Pay has been launched in Russia. Local users of Huawei and Honor mobile phones in Russia are able to bind UnionPay cards issued by Gazprombank and Rosselkhozbank to experience safe and convenient UnionPay mobile payment service.

UnionPay has rolled out the mobile payment product of Huawei Pay in Pakistan. Users in Pakistan, they can link UnionPay cards issued by NBP to the mobile-wallet app Huawei Pay and then can choose to make tap&go or scan&go payments as they like or according to the acceptance condition of a particular merchant. The dual payments function of UnionPay's mobile payment products adds QR code-based payment onto contactless payment, and can be applied to any NFC-enabled smartphone. With this function, users only need to link their card to their mobile phone once, and then access multiple mobile payment methods. The launch of the dual payment function will enable UPI's partner institutions to provide their customers with diverse and more flexible mobile payment services with higher efficiency.

In the future, UnionPay mobile QuickPass products will be launched in more markets to deliver more secure and convenient payment options to global UnionPay cardholders.