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Online Payment

SecurePay

SecurePay is a comprehensive Internet integration product, provided by UPay and its global partners. Cardholders can use their card information, e-banking or a QR code to complete their payment safely on SecurePay’s page. In particular, SecurePay would redirect to the QR code payment page for mobile wallet apps to finish payments. Such mobile wallets would include QuickPass from UPay and wallet apps from banks, etc

Applicability

Institutions shall obtain E-commerce Acquiring License.

Scenarios

Non Face-to-Face e-commerce payment.

Payment Flow

 

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  1. The cardholder chooses a product on a merchant website.
  2. The merchant initiates a request message to the acquirer’s system.
  3. The acquirer transfers the transaction to the UPay Online Platform (UPOP).
  4. The cardholder checks the individual’s identity on UPOP.
  5. UPOP transfers the transaction to UPay core processing system.
  6. The UPay core processing system converts the foreign exchange rate and transfers the transaction to the issuer.
  7. The issuer authorizes the transaction and the response message goes back to the merchant website over the same route.

Steps & Work Content

Apply for membership and an e-commerce acquiring license

Contact the UPay office, and fill in and submit the application form.

Submit the application form

Submit the signed e-commerce acquiring application form.

Download SDK and documents

Download the SDK, implementation guide and interface specifications from the Institution Service Platform.

Modify the system

Follow the implementation guide and interface specifications to modify the system.Follow the implementation guide and interface specifications to modify the system.

Go live

Go live after passing the testing.

API Introduction

Key Features:

SecurePay is a comprehensive Internet integration product, provided by UPI and its global partners. Cardholder can use card information, E-banking or QR code to complete their payment safely in SecurePay’s page. Especially, SecurePay would redirect to QR code payment page for mobile wallet apps to finish payments. Such mobile wallets would include QuickPass from UPay and wallets App from banks,etc.

Wide: SecurePay supports almost all the debit and credit cards of UPay

Safe: the cardholder will be redirected to UPI’s page to pay. UPI safe plugin will control the risk and ensure the privacy.

Free: SecurePay supports several popular payment methods, including card information, E-bankings and QR code.

When to Use it?

SecurePay satisfies almost all the E-commerce situations, including purchase goods, booking hotels and tickets, bill payment and so on.

Who Use it?

Acquirers, Merchants, Developers

Where to Use it?

This API is available globally.

Flow Chart

MH SP流程图.png

 

  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 UPay Omnichannel Platform (UPOP);
  4. Cardholder checks individual’s identity on UPOP;
  5. UPOP transfers the transaction to UPay core processing system;
  6. UPay 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.