UnionPay SecurePay

UnionPay SecurePay is a payment product provided by UnionPay. It provides card payments, e-banking and QR codes to complete payments on the SecurePay's page.

• Hong Kong
• Malaysia

Hong Kong

UnionPay SecurePay implementation specifics for Hong Kong.

Features
Method	Credit/Debit Card, Async - Redirect
Countries	Hong Kong
Processing currencies	HKD
Increments	-
Captures	✅
Partial/Multiple partial captures	⚠️ (Only one partial capture is supported)
Cancels	✅
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	✅
Min Amount	N/A
Account verification	-

Auto-cancellation

Card schemes require a period of time within which the authorized amount must be captured. This period can vary depending on the Merchant Category Code (MCC), but is typically 30 days for UnionPay. If an amount remains to be captured within this period, a cancellation process is automatically initiated. In this case, you will receive the result of the operation asynchronously, in a cancel webhook.

Payment flow

A consumer will be allowed to make payment again for a failed transaction as long as the expiration time has not been exceeded.

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "amount": {
        "value": 200,
        "currency": "hkd"
    },
    "paymentMethod": {
        "type": "upop_securepay",
        "upopSecurepay": {
            "returnUrl": "https://merchant.site/complete-payment"
        }
    }
}

Response

{
    "id": "27yikKXBupQRso6XTC0eyrbfEKZ",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "post",
            "url": "https://payment.method/complete",
            "params": [
                {
                    "name": "param1",
                    "value": "value1"
                }
            ]
        }
    }
}

Malaysia

UnionPay SecurePay implementation specifics for Malaysia.

Features
Method	Credit/Debit Card, Async - Redirect
Countries	Malaysia
Processing currencies	MYR
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	✅
Min Amount	1.01
Account verification	-

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "amount": {
        "value": 200,
        "currency": "myr"
    },
    "paymentMethod": {
        "type": "upop_securepay",
        "upopSecurepay": {
            "returnUrl": "https://merchant.site/complete-payment"
        }
    }
}

Response

{
    "id": "27yikKXBupQRso6XTC0eyrbfEKZ",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "post",
            "url": "https://payment.method/complete",
            "params": [
                {
                    "name": "param1",
                    "value": "value1"
                }
            ]
        }
    }
}