UnionPay is the card network with the most cards issued in the world, accepted in more than 185 countries. Beyond mainland China, it is rapidly expanding across Hong Kong, Macau, and Southeast Asia, and it accounts for an overwhelming share of Asia-Pacific transactions.
Hecto Financial integration is provided for online (web/app) payments.
Online payment
Customers enter their UnionPay card number at web or app checkout, or pay with one click using a saved card, for instant approval.
Recurring/subscription payment
Saved card data (network tokens) can be used to automatically approve recurring charges such as subscriptions and memberships, making it suitable for subscription-based services and SaaS businesses.
Onboarding process
A simple flow completed quickly with just PG integration
01
Merchant application
Apply easily online through Hecto Financial.
02
Review and contract
The contract is signed after merchant information is verified.
03
PG integration
UnionPay payments are integrated into your website or app checkout.
04
Start accepting payments
Once integration is complete, you can immediately accept UnionPay card payments worldwide.
Why adopt UnionPay
A card network that converts the spending power of Chinese and Asia-Pacific customers into revenue
The most cards issued in the world
As the world's largest card network, with more than 10 billion cards issued, it lets you capture a broad customer base across China and all of Asia.
Reach across China and Greater China
A leading payment method covering not only mainland China cardholders but also customers across Greater China, including Hong Kong and Macau.
Strong position in Asia-Pacific
Accounts for a high share of Asia-Pacific transactions, and continues to expand its merchant countries into Southeast Asia and Central Asia.
Single domestic contract, settlement in 3 currencies
Adopt UnionPay with a single contract as a Korean entity, without needing an overseas entity or overseas bank account, and receive settlement in USD, KRW, or JPY as selected in your contract.
Key markets
Representative countries by region where UnionPay is especially strong
East Asia
China · Hong Kong · Macau
Southeast Asia
Thailand · Singapore · Malaysia
Central Asia
Kazakhstan
Oceania
Australia
Customer segments you can newly capture
China and Greater China customers
Consumers from mainland China and across Greater China, including Hong Kong and Macau, can pay with the UnionPay card they already use
Travelers from emerging Southeast Asian and Central Asian markets
Capture travelers from emerging markets where UnionPay merchant acceptance is rapidly expanding, such as Thailand and Kazakhstan
Intra-Asia cross-border e-commerce customers
Broadly cover e-commerce customers who shop cross-border within Asia
Frequently asked questions
Key information about adopting UnionPay payments
QCan I adopt UnionPay payments without an overseas entity?
Yes. Integrating through Hecto Financial lets you adopt UnionPay payments without an overseas entity or overseas bank account.
QHow is UnionPay different from other card networks?
UnionPay is the world's largest card network, with more than 10 billion cards issued. Centered on mainland China, it is rapidly expanding across Greater China, including Hong Kong and Macau, as well as into Southeast Asia and Central Asia, making it especially advantageous for payments from Asia-Pacific customers.
QHow much is the payment fee?
Merchant fees vary depending on the transaction country, payment type (domestic vs. overseas), and payment gateway contract, and are generally set at typical international card payment fee levels. When integrating through Hecto Financial, fees are negotiated separately based on transaction volume.
QCan an online-only store also adopt this?
Yes. Hecto Financial's global payment service is provided for online (web/app) payments, so you can adopt it even if you only operate online sales channels such as your own store, an open marketplace, or a mobile app. It integrates into web and app checkout via a payment window or API.
QWhat currency is used for settlement?
Customers pay in the currency linked to their card, and after Hecto Financial receives and converts the overseas payment funds, settlement to the Korean merchant is made in USD, KRW, or JPY as selected in the contract. The settlement cycle and exchange rate basis follow the contract terms.
QCan I integrate other card networks (Visa, JCB, etc.) as well?
Yes. In addition to UnionPay, Hecto Financial supports major global card networks such as Visa, Mastercard, American Express, JCB, and Diners Club, and can also manage various country-specific local payment methods such as PayPay and Rakuten Pay under a single integrated contract.
Inquire about UnionPay payment integration
Hecto Financial's global payment specialist team supports the entire process from integration to settlement.
