UnionPay SecurePlus

China UnionPay International (UPI) is the only interbank network in Mainland China, East and Southeast Asia, and the biggest card scheme globally by number of cards.

This page explains how to accept UnionPay payments with SecurePlus authentication, the 3D Secure implementation used by China UnionPay. SecurePlus requires shoppers to identify themselves using a code sent to their phone number.

The integration steps for UnionPay without SecurePlus are exactly the same as for other cards.

Payment type	Payment flow	Countries	Currencies	Recurring	Refunds	Partial refunds	Separate captures	Partial captures	Chargebacks
Credit card/Debit Card	Direct	International	Multiple					See note 1	See note 2

¹ Multiple partial captures are not supported.
² If a payment has been authenticated with SecurePlus, you avoid the liability for chargebacks in case of fraud.

Before you begin

Before starting your integration:

1. Make sure that you have set up your back end implementation.
2. Add UnionPay in your test Customer Area.

Build your payment form for UnionPay

When a shopper chooses to pay with UnionPay, collect the following details in your payment form:

Payment details	Example input	Required
The card number	"6250947000000014"
The card expiry month	"03"
The card expiry year	"30"
The security code (CVV / CVC)	"737"
The cardholder's phone number	"+85211112222"

Make a payment

From your server, make a /payments request, specifying:

• paymentMethod.type: scheme
• paymentMethod.number: The card number (without separators).
• paymentMethod.expiryMonth: The card expiry month.
• paymentMethod.expiryYear: The card expiry year.
• paymentMethod.cvc: The card verification code.
• telephoneNumber: The shopper's telephone number.
• browserInfo: The shopper's browser information.

If SecurePlus authentication is supported, you'll receive a resultCode of Pending.

Verify the payment

1. Present a screen in your UI to collect the SMS verification code that was sent to the shopper.

2. Make a /payments/details request, specifying:

   • paymentData: The value from the /payments response.
   • details object, containing:
     • MD: The value from the /payments response.
     • cupsecureplus.smscode: The SMS verification code you collected from the shopper.

Present the payment result

Use the  resultCode from the /payments or /payments/details response to present the payment result to your shopper. You will also receive the outcome of the payment asynchronously in a webhook.

For card payments, you can receive the following resultCode values:

resultCode	Description	Action to take
Authorised	The payment was successful.	Inform the shopper that the payment has been successful. If you are using manual capture, you also need to capture the payment.
Cancelled	The shopper cancelled the payment.	Ask the shopper if they want to continue with the order, or ask them to select a different payment method.
Error	There was an error when the payment was being processed. For more information, check the refusalReason field.	Inform the shopper that there was an error processing their payment.
Refused	The payment was refused. For more information, check the refusalReason field.	Ask the shopper to try the payment again using a different payment method.

Test and go live

Before making live payments, use the following details to test your integration:

SecurePlus Credit Card

Card Number	Expiry Date	CVN2	PIN	Cellphone
6250947000000014	03/2030	123	111111	+85211112222

SecurePlus Debit Card

Card Number	Expiry Date	CVN2	PIN	Cellphone
6250946000000016	12/2033	123	111111	+85211112222

Check the status of test payments in your Customer Area > Transactions > Payments.

See also