Integrate the UnionPay SecurePay Web/WAP implementation allows the consumer to choose the UnionPay logo at the merchant website (Web/Mobile browser) and complete the payment by entering either the credit or debit card details at the UnionPay payment page.

Consumers can also scan the QR code displayed on the payment page with a UnionPay app or other supported apps.

Payment Method Properties

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Note regarding chargebacks:

Chargebacks are issued with UnionPay similar to that of other credit card schemes - the shopper initiates a dispute with their issuing bank. The issuing bank then submits a request inquiring about the transaction via UnionPay's CDRS (Cross-border Dispute System). PPRO then receives a notification via CDRS and reaches out its contracted customer (eg: the PSP). The contracted partner is then required to review, and, if applicable, reply with additional required information relating to the chargeback as it was provided by the shopper's issuing bank and/or UnionPay itself. If the dispute is confirmed as a legitimate chargeback, the chargeback will be reported to UnionPay. The funds for the chargeback will then be deducted from one of PPRO's next settlements.

Transaction Flow

1. The consumer checks out on the merchant's webpage.
2. You (or the merchant) send a transaction request to PPRO.
3. The merchant receives a redirect URL.
4. The merchant forwards the redirect URL to the consumer.
5. The consumer enters the card details or scans the QRC on the payment page. This sends a purchase request to UnionPay SecurePay.
6. The issuer bank receives an authorization request.
7. The bank returns the result to UnionPay SecurePay.
8. UnionPay SecurePay returns a synchronous purchase response to PPRO.
9. PPRO sends a transaction state inquiry request to check the status of the transaction.
10. UnionPay SecurePay responds to the Transaction State Inquiry request.
11. PPRO redirects the consumer back to the merchant’s webpage and displays the result.
12. UnionPay SecurePay returns an asynchronous merchant notification message to PPRO.
13. PPRO sends a transaction state inquiry request to check the status of the transaction.
14. UnionPay SecurePay responds to the Transaction State Inquiry request.
15. PPRO responds with a 200 return code to the merchant notification message in step 12.
16. PPRO returns a transaction response. If the transaction status is not known, PPRO sends a transaction state inquiry to UnionPay SecurePay.
17. UnionPay SecurePay returns the result.

Specific input parameters for the TRANSACTION call

For standard input parameters, see Input parameters for the TRANSACTION call.

Specific output parameters for the TRANSACTION call

For standard output parameters, see Output parameters for the TRANSACTION call.

Specific output parameters for the REFUND call

Field Name

TRANSACTION call input

tag=upopsecurepay  
&txtype=TRANSACTION  
&countrycode=CN  
¤cy=USD  
&amount=1055  
&merchanttxid=m5Sma2gScyw2  
&login=johndoetest  
&password=wXBrpVporFVjGO4R  
&contractid=JOHNDOETESTCONTRACT  
&channel=testchannel  
&merchantredirecturl=https%3A%2F%2Fmerchant.com%2Fwork%2Fppro2%2Flanding.php  
¬ificationurl=https%3A%2F%2Fmerchant.com%2Fwork%2Fppro2%2Fnotification.php  
&accountholdername=Tester+Doe  
&specin.channeltype=07  
&specin.dynamicdescriptor=DynDescriptor  
&specin.locale=zh_CN  
&returnmode=urlencodeext

TRANSACTION call output

REQUESTSTATUS=SUCCEEDED  
&STATUS=SUCCEEDED  
&TXID=599080927  
&ERRMSG=  
&CHANNEL=testchannel  
&TAG=upopsecurepay  
&SPECOUT.ACCTATTRIBUTE=02  
&SPECOUT.STAN=926901  
&REDIRECTSECRET=nxgMdYP7MLbe0cyMwipHhKjPw1f7lBy2

Additional Information

UnionPay card-issuing countries:

Branding Guidelines

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