Discover business opportunity in China by with UnionPay payment

1. China Opportunity with
UnionPay Online Payment

2. Chinese payment card brand, similar to Visa and MasterCard, used by all Chinese consumers.
4.2 billion
What is UnionPay?
UnionPay cards issued 2002 - 2013
By the end of 2013, UnionPay overtakes Visa to
become the world's most used debit card

3. UnionPay world footprint

4. • UPOP is UnionPay’s global payment program for E-Commerce transactions. It enables UnionPay cards to
be accepted over the Internet with real time transaction authorization.
Core product of
Payment
Service
Improves
cardholders
security and
Powerful tool
for online
acquiring
market
service
UnionPay Online Payment - UPOP
►Merchants in 5 continents and 190 countries and regions
►Support over 90 transaction currencies and 15 settlement
currencies
►Improved risk control and dispute handling
►Haigou.com a bridge between merchants and cardholders

5. UPOP – Express Payment mode
1. Cardholder chooses product on a merchant website;
2. The merchant initiates a request message to the acquirer system;
3. The acquirer transfers the transaction to UPOP;
4. UPOP transfers the transaction to UnionPay core processing system;
5. UnionPay core processing system converts FX rate and transfers the transaction to the issuer;
6. The issuer authorizes transaction and the response message goes back to the merchant website over the same route.
* For ExpressPay, acquirers can integrate to UPOP system via Internet or integrate to UP Core Processing
System via a leased line.
3 UPOP
UnionPay core processing
system
5
Acquirers
Merchants
Cardholder
2
Issuers
4
1
*

6. UPOP – Secure Payment mode (Server Hosted)
3 UPOP
UnionPay core
processing system
6
Acquirer
Merchant
Cardholder
2
Issuer
5
4
1
1. Cardholder chooses product on a merchant website;
2. The merchant initiates a request message to the acquirer system;
3. The acquirer transfers the transaction to UPOP;
4. Cardholder checks individual's identity on UPOP;
5. UPOP transfers the transaction to UnionPay core processing system;
6. UnionPay core processing system converts FX rate and transfers the transaction to the issuer;
7. The issuer authorizes transaction and the response message goes back to the merchant website over the same route.

7. UPOP – Secure Payment mode (Merchant/Acquirer Hosted)
4 UPOP平台
UnionPay core
processing system
6
Acquirer
Merchant
Cardholder
3
Issuer
5
2
1
1. Cardholder chooses product on a merchant website;
2. Cardholder triggers a UPOP page to checks individual's identity for the first time;
3. The merchant initiates a request message to the acquirer system;
4. The acquirer transfers the transaction to UPOP;
5. UPOP transfers the transaction to UnionPay core processing system;
6. UnionPay core processing system converts FX rate and transfers the transaction to the issuer;
7. The issuer authorizes transaction and the response message goes back to the merchant website over the same
route.

8. Who provide UPOP in Australia at this stage?

9. Sample merchants with UPOP in Australia

10. Haigou.unionpay.com
Marketing platform for oversees acquirers and merchants
– Product exposure
– UnionPay merchants’ link, product search
– Special recommendations
– Country pavilion, special shopping season
– Translation
– Chinese translation for English
– Quality guarantee
– cooperate with insurance company to support global joint guarantee and
extended warranty
– International Shipping
– Service for merchants who do not direct ship
– Discounts and rebates
– Discount information and offers
– Help center
– Overseas online shopping tutorial and experience sharing

11. Summary
• UnionPay card is used by 1.3 billion Chinese, as well as 30 million non-Chinese
• There are more than 20 million individual UnionPay cardholders looking for cross
boarder online shopping
• Talk to local acquirer to enable your UPOP capacity
• Signage! Signage! Signage!
• Join Haigou for the UnionPay global marketing campaign

12. Thank You
QUESTIONS?