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UnionPay · Launched 2002
China's card network and, by cards issued, the largest in the world. Domestic merchant rates are capped by the regulator well below Western levels.
A scheme- or regulator-set rate, or a widely reported figure. Source: PBOC-capped domestic merchant service charge.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a A$100.00 payment for comparison.
| 0.6% |
| KHR 0.60 |
| 0.60% |
| 17 Oct 2022 |
| Reported rate |
 China | 0.6% | CN¥0.60 | 0.60% | 9 May 2024 | Reported rate |
 Hong Kong | 0.6% | HK$0.60 | 0.60% | 28 Apr 2022 | Reported rate |
 Japan | 0.6% | ¥1 | 0.60% | 1 Nov 2023 | Reported rate |
 Kazakhstan | 0.6% | KZT 0.60 | 0.60% | 30 Jun 2024 | Reported rate |
 Laos | 0.6% | LAK 0.60 | 0.60% | 22 Feb 2022 | Reported rate |
 Macau | 0.6% | MOP 0.60 | 0.60% | 1 Nov 2021 | Reported rate |
 Malaysia | 0.6% | MYR 0.60 | 0.60% | 2 Mar 2024 | Reported rate |
 Mongolia | 0.6% | MNT 0.60 | 0.60% | 18 Feb 2024 | Reported rate |
 Myanmar | 0.6% | MMK 0.60 | 0.60% | 6 Mar 2025 | Reported rate |
 Pakistan | 0.6% | PKR 0.60 | 0.60% | 8 Oct 2023 | Reported rate |
 Russia | 0.6% | RUB 0.60 | 0.60% | 23 Jun 2024 | Reported rate |
 Singapore | 0.6% | SGD 0.60 | 0.60% | 20 Jan 2023 | Reported rate |
 South Korea | 0.6% | ₩1 | 0.60% | 5 Sept 2022 | Reported rate |
 Thailand | 0.6% | THB 0.60 | 0.60% | 21 Nov 2022 | Reported rate |
 United Arab Emirates | 0.6% | AED 0.60 | 0.60% | 15 Apr 2024 | Reported rate |
 United Kingdom | 0.6% | £0.60 | 0.60% | 13 May 2023 | Reported rate |
Every recorded change, newest first, with the movement from the rate it replaced.
Scheme fee pass-through adjusted.
In Australia, on the online channel: 0.6%, in force since 4 Jun 2024 (reported rate). Fees differ by market and channel, and the table above lists each one.
It is priced in 18 markets here: Australia, Cambodia, China, Hong Kong, Japan, Kazakhstan, Laos, Macau, Malaysia, Mongolia, and others. A market missing from the list has not been recorded yet, which does not mean UnionPay is unavailable there.
It is recorded as 2-3 days. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
