Product introduction

In order to facilitate UnionPay cardholders’ spending, UnionPay, together with commercial banks, acquirers and designated aamerchants, provides cardholders with cross-border installment payment services and substantial discounts on service fees. Cardholders can initiate installment transactions via the terminals of designated merchants or through online acceptance channels, and periodically repay the principal and fees to the issuing bank once such transactions are authorized.

Payment process

01
Purchase goods or services in installments

The cardholder chooses to purchase goods or services through installments at a designated merchant, following the guide for cardholders or the cashier’s recommendation;
02
Initiating installment transaction

The cashier enters the number of installments, in line with the request of the cardholder, and initiates an installment transaction.
03
Complete the payment process

After the card issuer authorizes the transaction request, a receipt will be printed out from the merchant’s cash register. The receipt is confirmed and signed by the cardholder, who then completes the payment.
04
Regular pay

The cardholder repays the principal and service fees periodically according to the bills sent by the card issuer.

01
Purchase goods or services in installments

The cardholder selects the goods or services on the merchant’s website and chooses UnionPay payment. The merchant page will redirect to the UnionPay online payment gateway, where the cardholder ticks the installment payment checkbox and has the card information verified. After that, they press the confirm button to submit the payment request.
02
Complete the payment process

After the card issuer authorizes the transaction request, the UnionPay payment service prompts that the payment is successful, and the transaction process is completed.
03
Regular pay

The cardholder repays the principal and service fees periodically according to the bills sent by the card issuer.

Cooperation case

Offline Installment

Pay with UnionPay credit cards via offline POS terminals at UnionPay designated merchants

Online Installment

Pay with UnionPay credit cards via online payment tools at UnionPay designated merchants

Installment Service

Product introduction

Payment process

Purchase goods or services in installments

Initiating installment transaction

Complete the payment process

Regular pay

Purchase goods or services in installments

Complete the payment process

Regular pay

Cooperation case

Offline Installment

Online Installment

The product features

Installments enabled

Discounts on service fees

Secure and convenient payments