UnionPay

Travel and shopping has traditionally been a hassle for Chinese tourists when they travel outside their borders.
Card acceptance at the point-of-sale has been either non-existent or intermittent at best because technology constraints at the point-of-sale have forced them to use cash.
Most Chinese carry – the national card brand, UnionPay debit and or credit cards. It is the preferred and most trusted card brand for the Chinese traveler.
The acceptance of those cards has been a challenge because of the incompatible method of processing with the traditional card brands and terminals installed at the point-of-sale. UnionPay boasts a 98 percent market share in China.
Thus, UnionPay acceptance is a must for U.S. merchants seeking to tap into the Chinese consumer market.

UnionPay Acceptance

UnionPay is a “stand-alone” independent service offered by Earth Payment Solutions.Com.   Merchants are not required to accept traditional card types such as Visa/MasterCard/Discover under our program.
UnionPay provides many Merchant benefits beyond attracting their cardholders and buying power.
Merchants have the option of processing UnionPay transactions in U.S. Dollar (USD), Renminbi/Yuan (CNY) or Hong Kong Dollar HKD.
Further, unlike the traditional card networks, UnionPay entails:

    • No complicated interchange pricing formulas or billing models – JUST ONE SINGLE DISCOUNT RATE
    • No cross border fees
    • No downgrades
    • No egregious dispute rules that heavily favor cardholders causing unfavorable chargebacks
    • No additional currency conversion fees
    • No egregious Card Brand pass thru fees
    • No additional Bank requirements because you process non-US cardholders

UnionPay Online Acceptance

E-commerce Gateway Features & Functionality

  • Simple API Integration
  • Direct access into the UnionPay Online Payments Portal (UPOP)
  • Secure delivery of the cardholder directly into the UnionPay payment portal, thereby eliminating any possible compromise of cardholder data; no cardholder data is stored on our systems or merchant’s
  • Verification and authorization process designed to mitigates cardholder transaction disputes and potential fraud
  • Reporting details to include – reconciliation, sales, declines, refunds, and chargeback reporting details, and reserve holdback balances ( if any)
  • Anti-fraud suite which may include, geographical validations, IP address validations, and proxy validations
  • Traffic management to ensure continuous flow of transactional data
  • Support major shopping cart solutions
  • Data retention through life of service, plus 18 months post
  • PCI Compliant

UnionPay Offline Acceptance

One of the biggest challenges U.S. Merchants face with UnionPay Offline (Card Present) Acceptance is pin debit code incompatibility.
This causes transaction failure, intermittent connection challenges, consumer frustrations and ultimately lost sales.

Our solution provides 100% pin debit compatibility!

UnionPay Card Present Acceptance (EMV and/or MAG-Strip)

Earth Payment Solutions offers a wide variety of UnionPay card present solutions; all of which are EMV certified and 100% PIN Debit Code reliable.  Earth Payment Solutions supports

  • Brick & Mortar: POS Stand-Alone Terminals (IP & Bluetooth enabled)
  • Brick & Mortar: POS Systems (including, but not limited to MICROS, Aloha, Opera, Merchant-Link, Agilysys, etc.)
  • Mobile Merchants (on the move): POS Stand-Alone Terminals (GPRS enabled) and Mobile APPs with EMV Dongles.

Are You Really China Ready?

Several card processing companies and even a major Card Brand state that they are able to process UnionPay Card Present transactions with PIN Debit Authentication. Yet, most U.S. merchants are unaware that it’s not an automatic end-to-end solution.  Merchants are told that they can accept the China UnionPay card at the point of sale and that the consumer can swipe their card, input their pin and the transaction will process successfully. But can they really?

Among the 6-billion China UnionPay cards in existence today, about 90% are debit cards requiring a PIN Code Authentication for transactions to be approved. The fact is that other card processing companies can only process credit card transactions with limited certainty.
Any attempts to process UnionPay debit cards have an intermittent success rate at best.

In one example, where a national retail department store was cited in a press release as being “UnionPay Ready,” their Mandarin expert stated that “the store loses countless sales from Chinese shoppers due to the fact they cannot authenticate UnionPay PIN Debit Codes as they were lead to believe”.

Not only do the transactions decline causing embarrassment to the UnionPay cardholders (knowing they have an “open to buy”); but also, the store and employees who are commission-incentivized have lost significant revenues.

Earth Payment Solutions can successfully processes both credit and debit cards with 100% PIN Code Authentication.

General Terms & Conditions

UnionPay Card-Present (“CP”) Acceptance

UnionPay Card-Present (“CP”) Acceptance
Fee Categories One Time Fee Monthly Fee Per Transaction Fee Annual Fee
Set-up / Training: $100 N/A N/A N/A
Merchant Connect Basic (“MCB”) – Online Reporting Access 24/7/365: N/A Included N/A N/A
Live Support 24/7/365: N/A $15 N/A N/A
PCI-DSS: N/A $10 N/A N/A
Discount Rate – For UnionPay for CP Transactions: N/A N/A 3.50% N/A
Authorizations – For UnionPay CP Transactions: N/A N/A $0.15 N/A
Settlements – For UnionPay CP Transactions: N/A N/A $0.10 N/A
Monthly Minimum (Applicable to UnionPay CP Transaction Volume): N/A N/A $0.00 N/A
Regulatory / Governmental Reporting: N/A N/A N/A $25
Totals: $100 $25 3.50% + $0.25 $25
Optional Services
Merchant Connect Premium (“MCP”):

(Reporting Access – Online – Enhanced Information Above Merchant Connect Premium)

N/A $10 N/A N/A
Online Case Management “OCM”:

(Chargebacks & Retrievals Workflow MGT System – Requires MCP)

N/A $10 N/A N/A
Automated Customer Service “ACS”:

(Reporting & Account Reconciliation System for PC Windows)

N/A $45 N/A N/A
Chargebacks (Per Occurrence): N/A $25 N/A N/A
General Terms
Term & Termination: Month to Month (cancellation without penalty upon 30-day request).
Cross Border Assessments: None.
Currency Conversion Assessments: None.
Interchange Assessments: None (no complicated pricing formulas or variable billing methods).
Settlement Cycle: 3-Business Days.
China Travel Marketing Assessments: None (Bundled within the UnionPay Per-Transaction Costs).
Data Retention: Provided through life of service, plus 18 months post termination.
POS Systems:
  • Support MAG-STRIPE or EMV (PIN & SIGNATURE).
  • Support most major brands, makes and models (e.g., MICROS).
  • Merchant can use their existing POS System currently in place.
  • All UnionPay Cards have a BIN range of 6200 and above and they are pushed to our designated front-end to authorize Chinese tourists transactions separate and apart from VISA/MasterCard transactions.
  • POS Terminals (Stand-Alone):
  • Support MAG-STRIPE or EMV (PIN & SIGNATURE).
  • Support a variety of stand-alone POS terminals (e.g., VeriFone).
  • Merchant can either use their existing POS terminal currently in place or purchase a new POS terminal.
  • Should Merchant want to use their existing POS terminal (assuming we support it), it requires Earth Payment Solutions to do a partial download to split off all UnionPay transactions with a 6200 BIN range from their existing payments provider.
  • Otherwise Merchant can purchase a new or refurbished POS terminal with usage only for UnionPay acceptance.
  • Mobile POS Devices:
  • Support MAG-STRIPE or EMV (PIN & SIGNATURE).
  • Support a variety of Mobile POS devices.
  • UnionPay PIN Debit Code Reliability: 100%

    UnionPay Card-Not-Present/Ecommerce (“CNP”) Acceptance

    Fee Categories One Time Fee Monthly Fee Per Transaction Fee Annual Fee
    Set-up / Training: $100 N/A N/A N/A
    Merchant Connect Basic (“MCB”): N/A Included N/A N/A
    Live Support 24/7/365: N/A $15 N/A N/A
    PCI-DSS: N/A $10 N/A N/A
    Ecommerce Gateway System (Set-Up): $50 N/A N/A N/A
    Ecommerce Gateway System (Ongoing Tech Support) N/A $15 N/A N/A
    Discount Rate – For UnionPay CNP Transactions: N/A N/A 3.50% N/A
    Authorizations – For UnionPay CNP Transactions: N/A N/A $0.15 $25
    Ecommerce Gateway System – For UnionPay CNP Authorizations: N/A N/A $0.10 N/A
    Settlements – For UnionPay CNP Transactions: N/A N/A $0.10 $25
    Regulatory / Governmental Reporting N/A N/A N/A N/A
    Totals: $150 $40 3.50% + $0.35 $25
    General Terms
    Term & Termination: Month to Month (Cancellation w/o penalty upon 30-day request)
    Cross Border Assessments: None
    Currency Conversion Assessments: None
    Interchange Assessments: None (no complicated pricing formulas or variable billing methods)
    Settlement Cycle: 3-Business Days.
    China Travel Marketing Assessments: None (Bundled within the UnionPay Per-Transaction Costs).
    Data Retention: Provided through life of service, plus 18 months post termination.
    CNP/Ecommerce Gateway: Integrated with UPOP (UnionPay Online Payments) Portal
    Shopping Cart Integration: Support most major Shopping Carts (e.g., Magento)