UnionPay
Global card scheme with dominant Chinese domestic presence.
UnionPay is a real-time payment rail routed by KeyBS Pay. Global card scheme with dominant Chinese domestic presence.
Payouts routed through UnionPay settle to beneficiary accounts in CN, HK, MO. Where UnionPay is available for the destination country, it is the default rail for eligible payouts.
Every UnionPay payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a UnionPay payout moves through KeyBS Pay
UnionPay settles in real-time on eligible CNY destinations.
Popular UnionPay searches
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Countries reachable via UnionPay
UnionPay by industry
UnionPay developer resources
Frequently asked questions
What is UnionPay?
Global card scheme with dominant Chinese domestic presence.
How fast is UnionPay?
Real-time. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through UnionPay?
CN, HK, MO. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on UnionPay.
What currencies are supported on UnionPay?
CNY is the primary settlement currency for UnionPay. Multi-currency corridors are supported where the rail permits.
What limits apply on UnionPay?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is UnionPay available 24/7?
Real-time rails (including UnionPay) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate UnionPay?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is UnionPay regulated?
Yes. KeyBS Pay routes UnionPay payouts only through partners licensed for the destination corridor.
Can I get a UnionPay settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a UnionPay payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for UnionPay?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use UnionPay for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on UnionPay?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does UnionPay support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use UnionPay most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of UnionPay on the KeyBS Pay platform.
Route your first UnionPay payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.