UnionPay: China (global)'s card scheme
China's domestic card scheme with global acceptance footprint.
How the UnionPay flow works
UnionPay is a card scheme available in China (global). Full public profile pending — contact us to prioritise this method.
Typical use cases
- Merchants selling to consumers in China (global).
Consumer reach
Available to consumers in China (global).
Who should accept UnionPay
- Merchants targeting the China (global) market.
Operational detail
The operational half of every method profile — settlement, refunds, disputes, PSP coverage and licensing — is reserved for Payment Methods List founding partners. It's the part vendor sites won't publish and the part that actually decides whether UnionPay works for your stack.
Settlement time
How fast UnionPay funds land after the payer confirms, behaviour outside scheme hours, whether the rail settles gross or net, and the realistic T+n to sweep to USD/EUR — plus the PSPs where the advertised timeline actually holds in China (global).
Book a founding-partner call →Refund mechanics
How UnionPay refunds are executed end-to-end when the rail has no scheme-level reversal — payer-initiated pulls, credit transfers, or PSP-fronted refunds — plus partial-refund support, time limits, and the API surface each PSP exposes.
Book a founding-partner call →Chargeback exposure
Whether UnionPay has any dispute construct at all, which recall/return/indemnity vectors actually exist on the rail, how consumer-protection rules in China (global) route claims back to merchants, and observed loss rates versus cards.
Book a founding-partner call →PSP coverage matrix
Which acquirers and aggregators run direct rail connections to UnionPay vs. reselling a partner, coverage depth and reliability, effective pricing bands, and who to pick when China (global) volume is your primary use case.
Book a founding-partner call →KYC & licensing notes
Requirements to accept UnionPay — local entity vs. cross-border MoR, licensing regime governing the rail in China (global), KYC obligations at onboarding and per-transaction, and FX/reporting rules for foreign merchants.
Book a founding-partner call →