Last Updated: 11 April 2024 | Change Log

China UnionPay (UnionPay)

UnionPay is the national bankcard association in China.


Make yourself familiar with our API Principles to ensure a resilient integration.

Product Overview

Why use UnionPay?

UnionPay is thought to be the fastest growing card scheme in the world.

To use it, your customers need one of the following:

  • A UnionPay issued credit card
  • A UnionPay issued debit card
  • A bank account linked to their UnionPay issued debit card or credit card

UnionPay issue UnionPay cards globally, but only cards issued in certain countries are eCommerce enabled. Contact us for the latest list of countries that offer eCommerce-enabled cards.

Feature summary

Payment typeRecurringReversalsPartial ReversalsDisputes
Local scheme

Acceptance countries

  • China
  • Hong Kong
  • Indonesia
  • Japan
  • Macau
  • Philippines
  • Singapore
  • South Korea
  • Thailand

Acceptance currencies

  • AED
  • AUD
  • AZN
  • BDT
  • BGN
  • BHD
  • BND
  • BRL
  • CAD
  • CHF
  • CNY
  • CZK
  • DZD
  • EGP
  • EUR
  • GBP
  • GEL
  • HKD
  • HRK
  • INR
  • JOD
  • JPY
  • KWD
  • KRW
  • KZT
  • LAK
  • LKR
  • MOP
  • MRO
  • MYR
  • NOK
  • NPR
  • NZD
  • OMR
  • PHP
  • PKR
  • PLN
  • QAR
  • SGD
  • SEK
  • THB
  • TND
  • TRY
  • TWD
  • UAH
  • USD
  • VND
  • ZAR

Settlement Currencies

  • GBP
  • EUR
  • HKD
  • SGD
  • USD

  • Minimum Transaction Value = N/A
  • Maximum Transaction Value = Card issuer/bank dependent - the amount is the cutomer's card limit.
    USD 5.000 for restricted MCC (Merchant Category Codes), check with your Relationship Manager for further details.

Set your headers

Setting your headers is an important part of an API request. The headers represent the meta-data associated with your API request.

Authorization: {your_credentials}
Content-Type: application/json
WP-Api-Version: 2023-06-01
AuthorizationWe use the Authorization header to identify and authenticate you within Access Worldpay. You -must- use the Authorization header for any request you send to our APM API, unless you are using client certificate authentication over TLS. If you must use this, read our reference guide on Authenticating with SSL/TLS.
Content-TypeWe require the Content-Type header if the request you're sending includes a request body, and if the HTTP method is a POST or a PUT.
WP-Api-VersionWe use the WP-Api-Version header to identify which version of our APM API you are using. You must use the WP-Api-Version header for any request you send to our API.

If you're using both the Content-Type and WP-Api-Version headers, they must match.


Replace {your_credentials} with your base64-encoded Basic Auth username and password. To get your Access Worldpay credentials contact your Implementation Manager.

Take a payment


Example request

    "transactionReference": "Memory265-13/08/1876",
        "entity": "MindPalaceLtd"
            "line1": "Mind Palace Ltd"
            "amount": 50,
            "currency": "CNY"
            "type": "unionpay",
            "country": "CN",
            "successURL": "",
            "pendingURL": "",
            "failureURL": "",
            "cancelURL": ""


ParameterRequired?DescriptionData typeLength
merchantAn object that contains information about the merchant.ObjectN/A
merchant.entityDirect your payment to assist with billing, reporting and reconciliation. This is mandatory for Authentication and Queries.
Contact your Implementation Manager for more details.
StringMust be between 1 and 32 characters.
transactionReferenceA unique reference generated by you that is used to identify a payment throughout its lifecycle. See transaction reference format.StringMust be between 1 to 64 characters.
instructionAn object that contains all the information related to the payment.ObjectN/A
instruction.narrativeAn object that helps your customers better identify you on their statement.ObjectSee our formatting rules
instruction.narrative.line1The first line of the narrative which appears on your customer's statement (If a character is not supported it is replaced with a space.).
See narrative line1 format for more details.
instruction.valueAn object that contains information about the payment transaction.ObjectN/A
instruction.value.amountThe payment amount. This is a whole number with an exponent e.g. if exponent is two, 250 is 2,50. You can find the relevant exponent in our currency table.IntegerN/A
instruction.value.currencyThe payment currency. Refer to the individual APM page for supported currencies.Integer3
instruction.paymentInstrumentAn object that contains information about the payment method.ObjectN/A
instruction.paymentInstrument.typeThe payment type and details. It defines which alternative payment method you wish to use. Value is "unionpay".ObjectN/A
paymentInstrument.countryThe country of your customer. Follows alpha 2 ISO 3166-1 standard.Object2
instruction.paymentInstrument.cancelURLWhen your customer cancels a transaction, we redirect your customer to that cancel URL.StringN/A
instruction.paymentInstrument.failureURLWhen a payment fails, we redirect your customer to the failure URL.StringN/A
instruction.paymentInstrument.pendingURLWhen we receive the payment result for a pending payment transaction, we redirect your customer to that pending URL.StringN/A
instruction.paymentInstrument.successURLWhen we receive the payment result for a successful payment, we redirect your customer to that success URL.StringN/A

We suggest you provide the cancelURL,failureURL, pendingURL and successURL attribute to redirect your customer to, once you have received the payment result.


Successful request response

  • an HTTP code 201
  • an id which is unique to the payment - we recommend storing the "id" as this can be used to manage the payment later
  • a url to redirect your customer to the APM provider to complete the payment
  • a link to query the payment status

Example Response

    "paymentId": "nFxASqw-LV9HE_rr1mMONJmqBDeXmnv5dzt9IxAXgXbfpu0O_8mOnTpFSIM9gnTSygCKQgvlwQdUbu5rExIpJA_5Uq2LEGXXAanycRpxfDPNA-E70zIWdnaMb2gJhC8AIhbOkM6xDiVNu90YCXo2snTzi_k1sEOQnKIAJNTW3Qc",
    "lastEvent": "pending",
    "_links": {
        "self": {
            "href": ""
    "_actions": {},
    "url": ""

In case of an error, you can get further information in our error reference.

Next Steps

Manage your UnionPay payment