signature=58bbbbad892b825799b6559a468c5420,UnionPay International Developer

A.Purchase (Merchant-Presented)

1.Merchant requests an EMV QR Code from the Acquirer.

2.The Acquirer generates the EMV QR Code and returns to the merchant.

Note: the QR code requested by merchants can be either a long-term static QR code or a one-time dynamic QR code.

3.Cardholder scans the QR Code showed by the merchant via their App, which then parses the QR Code to obtain the relevant information of merchant (including elements such as the merchant ID, merchant name, merchant type, merchant location, transaction amount, transaction currency and country code) and initiates a payment request to the UnionPay system.

Note: For a static QR Code payment, if the transaction amount is not included in the QR Code then the cardholder will need to type the payment amount into the App and confirm to pay. For a dynamic QR Code payment, the card holder will not need to type the payment amount into the App but they will need to confirm the payment (need to type in their CDCVM or PIN into the App).

4.UnionPay System initates the transacation verification to the Accquirer .

Note: QRC voucher number refers to a string of numbers as the transaction voucher number that is generated by UnionPay system. It can be obtained by the cardholder in the App transaction notification, and included in the transaction notification to merchant as well. The QRC voucher number is unique and is used for subsequent transaction processing.

5.The Acquirer checks the validity of merchant information. If merchant info. is NOT valid, the Acquiring system will return a payment response to UnionPay System and rejects the transaction. UnionPay System then sends a rejected payment result response to the App Gateway, and the App Gateway sends the rejection result notification to the App.

6.The Acquirer checks the validity of the merchant information. If merchant info. IS valid, the Acquiring system will return a payment reponse to UnionPay System and confirm the transaction.

7.UnionPay System transfers the payment request (including QRC voucher number) and sends to the Issuer for authorization and obtain the corresponding payment response.

8.If the transaction is successful, UnionPay System returns a transaction result notification to Acquirer, and then the Acquirer sends the transaction result notification to the merchant.

9.UnionPay System sends the transaction result notificaiton to the App Gateway, including the QRC voucher number. The App Gateway sends the payment result response to the cardholder App, including the QRC voucher number.

Notice:

1.If the UnionPay System system does not receive the response of transaction notification from Acquirer within 10s, it will reject the merchant-presented QRC purchase request from the App Gateway and send the transaction notification to the Acquirer with the rejected status.

2.If the UnionPay System does not receive the transaction notification response from the Acquirer within 10s, it will store and forward transaction notification request message.

B.Purchase (Consumer-Presented)

1.Cardholder requests an EMV QR Code from UnionPay System and displays the QR Code with App.

2.After scanning the QR Code, the merchant submits a payment request to Acquirer, and Acquirer initiates the payment request to UnionPay System.

3.UnionPay system will verify the transaction information including the QR Code; if the verification is approved, UnionPay system may, depending on the QR Code transaction requirement set by App, choose to trigger an additional processing request to cardholder, then App verifies the identity of cardholder and cardholder confirms to submit payment.

4.If additional processing fails, UnionPay system will directly respond to Acquirer; if the previous step successds, UnionPay system will continue initiating an authorization request to the issuer;.

5.After receiving the success response, UnionPay system returns a purchase response to the Acquirer (may choose to return the QRC payment voucher number  (F125) according to the situation of the acquirer);

6.Meanwhile, UnionPay system sends a transaction notiofication to cardholder.

7.The transaction is successfully completed and the merchant prints the transaction receipt according to the cardholder's request, signature will not be required.

Notice:

1.When Acquirer does not receive the PURCHASE response message within 45 seconds, it can initiate a message result inquiry, using the Message ID of the PUECHASE massage to check if the payment is successful.

2.UnionPay System will return the PURCHASE transaction outcome (approved/rejected/pending) and settlement information to the Acquirer.

C.Cancellation

1.Merchant initiates a CANCELATION request to the Acquirer through using the QRC voucher number.

2.Under Merchant-Presented Mode, the Acquirer matches the transaction according to QRC voucher number and initiates an cancelation request to UnionPay System;

Under Consumer-Presented Mode, the Acquirer uses the Message ID of PURCHASE to void the consumer-presented QRC purchase.

3.UnionPay System sends the canelation request to the Issuer.

4.The Issuer sends the cancelation response to UnionPay System.

5.UnionPay System sends the cancelation response to the Acquirer, and the Acquiring system returns the cancelation notification to the merchant.

6.UnionPay System sends the CANCELATION notification to the App through App Gateway.

D.Refund

1.Merchant initiates a REFUND notification to the Acquirer using the QRC voucher number.

2.The Acquirer matches the transaction with the QRC voucher number and submits a refund request to UnionPay System.

3.UnionPay System immediately responds to the Acquirer with a refund response, and the Acquirer sends the refund notification to merchants.

4.UnionPay System sends a refund notification to the Issuer.

5.UnionPay System sends a refund notificaiton to the App Gateway, and the App gateway sends a refund notification to the App.