Accept UnionPay payments with Checky Pro

More cards have been issued on UnionPay than on any other network on earth. For a store selling to Chinese customers, accepting it is not optional.

See all 24 methods

New here? Checky Pro is the payments & checkout platform for modern e-commerce — UnionPay is one of the 21 payment methods you can switch on today.

What is UnionPay?

UnionPay is the card network of mainland China, and by issued cards it is the largest in the world — a scale that has nothing to do with how often you see it in Europe. Inside China it is effectively the only card rail; a Chinese bank account comes with a UnionPay card the way a Dutch one comes with a debit card.

Outside China, UnionPay follows the people carrying it: students, tourists, business travellers and the diaspora buying from European and American stores. Those shoppers usually have no alternative card to fall back on, which makes acceptance binary. Either the payment works, or the order does not happen.

For most merchants that means UnionPay is a targeted decision rather than a general one. If Chinese customers are part of your market — or if you sell the categories they buy cross-border, like beauty, baby products, fashion and supplements — this is the method that decides whether they can check out at all.

What UnionPay can do

Coverage, costs and capabilities. Every method page answers the same questions in the same order, so you can compare two methods line by line.

Coverage

Payment type: Card network — debit & credit
Channel: Online
Consumer countries: Worldwide
Available for: Companies in the EU, UK, US & Hong Kong

Your company is registered in

Pricing & settlement

Processing fee: 2,95% + € 0,25Per successful transaction with EEA cards · +1% for UK cards · +1,75% for premium, business and international cards
Authorization fee: NoneThe € 0,25 is part of the price above — no separate fee per attempt.
Currency conversion: 2%Only when your customer pays in another currency than the one you are paid out in.
Settlement currency: EURPayout in GBP or USD is possible too, at the 1% multi-currency fee.
Settlement: 3–7 business days

Features

Refunds: Supported.
Partial refunds: Supported.
Recurring payments: Supported.
3-D Secure: Supported.UnionPay’s own 3-D Secure programme
Express wallet buttons: Supported.UnionPay cards work in Apple Pay and Google Pay
Multi-acquirer routing: Supported.A declined payment retries on the next route
Chargebacks: Supported.From € 25,00 per dispute
Chargeback alerts: Supported.

Prices follow the region above and come from the same rate card as the pricing page. They may still vary with merchant profile, processing volume and acquiring setup.

Why UnionPay, and why through Checky Pro

The top row is the method itself; the bottom row is what our platform adds on top of it.

The only card many customers have

A Chinese shopper usually carries UnionPay and nothing else. Without it there is no second card to try — the basket is simply abandoned.

Cross-border categories

Beauty, supplements, baby products and fashion are bought from European stores at volume. UnionPay is how those customers pay for them.

Only pay when it is used

Enabling a method costs nothing. UnionPay charges you per successful payment, so it can sit switched on until it is needed.

An acquirer that actually carries it

UnionPay coverage differs per acquiring partner. Several sit behind your checkout, so the payment is routed to one that supports it.

Priced on the public rate card

Charged as an international card, at the same published rate as any other non-EEA card.

Judged on your business

Cross-border orders are where other providers get nervous. We look at your store, products and fulfilment before deciding, not at the country on the card.

How an UnionPay payment works

From click to balance — what your customer sees, and what happens behind it.

1
Customer pays
A UnionPay card is entered in the same card fields as any other — no separate screen.
2
Bank verifies
The issuer runs 3-D Secure when it wants to, in the customer’s own banking app.
3
Authorised in seconds
The payment takes an acquiring route that carries UnionPay, with a retry on the next route if one declines.
4
Settled to your balance
Added to your Checky Pro balance and paid out in 3–7 business days.

UnionPay, answered

Still something open? The team answers on WhatsApp, usually the same day.

What does accepting UnionPay cost?

It is priced as an international card: 4,7% + € 0,25 for EU companies — the EEA rate plus the 1,75% international surcharge. UK, US and Hong Kong prices are on the pricing page.

Do my customers need a UnionPay app?

No. The card goes into the normal card fields in your checkout, and the issuing bank decides whether to ask for extra verification.

Does this let me sell inside mainland China?

It lets Chinese cardholders pay you. Selling into China also involves shipping, customs and local marketing — the payment is one part of that, not the whole of it.

When do I receive the money?

UnionPay payments settle into your Checky Pro balance in 3–7 business days and pay out on your regular payout schedule.