What is the use of China UnionPay Express and how to use it in China UnionPay Express?
What is the use of China UnionPay Express?
Mobile payment is becoming more and more popular in China. In addition to Alipay payment and WeChat payment, there is also China UnionPay express payment.
China UnionPay Express is an Internet mobile payment brand jointly launched by Bank of China and more than 40 commercial banks. You can not only pay and collect money, but also transfer money, check bank card balance, credit card repayment, check credit card bills and view surrounding preferential activities through China UnionPay Express APP.
Let me talk about the use of China UnionPay Express.
1, transfer
You can transfer money to the bank card and the other party's China UnionPay Express account through China UnionPay Express APP, or you can complete face-to-face transfer by scanning your personal payment code. There is no handling fee for China UnionPay Express Transfer, and there may be a red envelope after the transfer is successful.
2. Query bank card information
After the bank card is bound to China UnionPay Express APP, you can query personal credit card information, such as account balance and transaction details.
Step 3 check your credit card bill
After the credit card is bound to China UnionPay Express APP, you can check the bill, repayment date, minimum repayment amount and other information, and the credit card bill will be reminded in real time if there is any change.
4. Credit card repayment
There are many ways to repay credit cards, and China UnionPay Express is one of them. At present, there are many credit cards supported by China UnionPay. There is no charge for using China UnionPay Express to repay the credit card, and the repayment will arrive in real time.
5. Inquire about the surrounding preferential activities
After opening the location function, China UnionPay Express APP can query the nearby preferential activities and the remaining places of preferential activities in real time.
6. Consumer payment
When shopping in physical stores and online stores, you can scan the code to pay in China UnionPay Express APP.
How to use China UnionPay Express?
If you want to use China UnionPay Express, you need to download the China UnionPay Express APP first, then register your personal account, and bind your personal information with your bank card, so that you can perform functions such as payment, transfer and bank card balance inquiry.
In addition, China Unionpay Express also supports Pay payment. Android phone needs to support NFC function, bind the bank card to the phone, and after setting the password, directly swipe the phone to complete the payment;
Apple needs more mobile phones than Apple 7. Bind the bank card with the mobile phone to complete the above payment.
Watches with NFC function, such as Lacarra Watch, iwatch, etc. You can also bind a bank card and pay with a watch.
How to use China UnionPay Express? Can I use a credit card for China UnionPay Express?
How to use China UnionPay Express? Can I use a credit card for China UnionPay Express?
China UnionPay Express is a mobile payment system launched by China UnionPay. Users can complete payment and settlement through mobile phones in the scene with UnionPay logo. So how to use UnionPay China UnionPay Express? At present, using UnionPay China UnionPay Express requires a mobile phone. After adding the UnionPay card, you can use it. Next, how to use China UnionPay Express will bring you?
How to use UnionPay China UnionPay Express?
1. "China UnionPay Express" first needs a mobile phone to support its functions. Android users need a mobile phone with NFC function, and iPhone users will add a UnionPay card to their devices.
2. The cardholder shall open mobile banking in the relevant bank (which can be handled at the silver counter), and then generate Zhang Yun flash card in the mobile banking application.
3. After meeting the above two steps, you can wave your mobile phone on the POS machine (as long as the screen near the POS machine lights up, you don't need to open the mobile banking application). This payment experience is more convenient, and it does not need a mobile phone to connect to the network, which can better meet the needs of modern people.
Matters needing attention in the use of UnionPay China UnionPay Express
Learn how to use silver-silver flash payment, and then how to use UnionPay China UnionPay Express to pay? Generally speaking, the following points should be noted when using:
1. The available amount of UnionPay China UnionPay Express Card is the same as the physical card bound at the time of application. All transactions of the flash payment card are recorded in the account of the main card, and the repayment is subject to the bill of the main card.
2. When your mobile phone is accidentally lost, please call the customer service phone of the bank as soon as possible, or report the loss of UnionPay China UnionPay Express Card at the counter. The loss reporting of China UnionPay Express Pass Card will not affect the use of the main card. When you get your mobile phone back, you can call the customer service number of the bank or get the China UnionPay Express Card at the counter.
When changing a mobile phone, the new mobile phone needs to apply for a new flash payment card. You can use the original mobile phone to cancel the applied flash payment card, or you can call customer service to cancel the card.
Can I use a credit card for China UnionPay Express?
I want to tell you here that credit cards can also use the China UnionPay Express function. You need to bind a credit card.
How to use the credit card China UnionPay Express?
There are three steps to experience "China UnionPay Express":
1. First, you need to have a mobile phone with near field payment (NFC) function, IOS system or Android system; Cardholders need to bind their bank cards in the bank's mobile APP to generate a China UnionPay Express Pass card, which is equivalent to the "dual card" of a physical bank card; Finally, in front of pos machines with UnionPay "flash payment" logo at the checkout counter of supermarkets and shopping malls, after the cashier inputs the payment amount, consumers only need to light up their mobile phones, gently put them near the POS machines, and then enter the password after a beep, thus completing the whole payment process.
2. "China UnionPay Express" can directly "swipe the phone" without the steps of "unlocking, lighting the screen and opening the APP"; Scan code payment needs to open WeChat and Alipay app, enable the camera and the corresponding scan code function, and complete the payment after online confirmation.
Alipay Apple 12, ios 14, Alipay version 10.2.3.
WeChat Apple 12, ios 14, WeChat version 8.0. 13.
1. Download and run the "China UnionPay Express" APP, click "Card Management" and click "Add Card Now".
2. Enter the bank card manually or by scanning.
3. Check the credit code and personal information. When finished, the mobile phone will receive the verification code. After the verification is successful, the binding can be completed.
4. It can be used to realize the functions of scanning code to pay merchants, automatically collecting money and transferring the money to the balance in China UnionPay Express, recharging the mobile phone, and paying the water and electricity fees in "public payment".
5. Click "Credit Card Repayment Function" to repay the credit card for free. If you sign in every day, you can also get a red envelope.
for instance
Bank of Communications "China UnionPay Express" is a new mobile payment product launched by Bank of Communications. After successfully APPlying for China UnionPay Express Card through the bill payment app, you can use your mobile phone to pay on the POS machine instead of the physical bank card, and enjoy a convenient, safe and fast payment experience.
Product advantage
1, second cloud card: log in to the bill payment client of Bank of Communications and apply for China UnionPay Express Card online quickly.
2. Instant flash payment: you don't need to open the client, unlock the screen of the mobile phone, and put the mobile phone near the POS machine with the "flash payment" logo to pay.
3, wallet slimming: mobile phone and bank card into one, instead of physical bank card to enjoy fast payment experience (mobile phone).
4. Advanced security: technologies such as token, dynamic key and cloud payment are adopted to ensure the security of account information and payment.
What is China UnionPay Express and how to use it?
Now the latest version of China UnionPay Express mobile phone flash payment method is NFC payment method. Open the China UnionPay Express APP, click "UnionPay Touch" and pay through the NFC sensing area on the back of the mobile phone;
UnionPay mobile phone flash payment is based on non-connection technology, which realizes offline non-contact payment for mobile devices such as mobile phones and supports remote online payment, including Apple, Huawei, Samsung, Xiaomi, Meizu, Hammer brand Pay and HCE products.
：
China UnionPay Express is a non-cash mobile transaction settlement tool. Under the guidance of the People's Bank of China, China UnionPay develops, builds, maintains and operates together with commercial banks, payment institutions and other industries.
China UnionPay Express APP has inter-bank bank card management services. China UnionPay Express APP supports the binding of all UnionPay cards in China and can manage 15 UnionPay cards at one time. The "Card Management" channel includes the closed-loop service of bank cards. Users can complete professional financial services such as card application, inter-bank bank card transaction management, balance inquiry, bill inquiry, credit card repayment, accounting and so on in China UnionPay Express APP.
There are three steps to use China UnionPay Express:
1. First, you need a mobile phone with near field payment (NFC) function and Android system;
2. Cardholders need to bind their bank cards in the bank's mobile APP to generate a China UnionPay Express Pass card, which is equivalent to the main dual card of the physical bank card;
3. Finally, in front of POS machines with UnionPay flash payment logo at the checkout counter of supermarkets and shopping malls, after the cashier inputs the payment amount, the consumer only needs to light up the mobile phone, gently place it near the POS machine, click and enter the password, and complete the whole payment process.
Advantages of China unionpay express:
1, hardware protection
NFC mobile phones, as well as the built-in security chips of bracelets and watches, have all passed the security detection certification, providing hardware-level protection for the safe storage of UnionPay card information, protecting the stored ordinary information from being illegally read and confidential information from being tampered with.
2. Payment sign
Following the international EMV payment marking standard, UnionPay newly generates a unique digital sequence for the entity UnionPay card, which is only used for payment on mobile devices, and is securely stored in NFC mobile phones, bracelets and watches to avoid information leakage of the entity UnionPay card.
3. Safety
China UnionPay Express products apply advanced security technology, improve business processing rules, introduce mechanisms such as risk compensation and advance payment, and provide 72-hour card loss guarantee service. For individual sudden risk events, it can quickly solve the problem of user's capital loss and protect the legitimate rights and interests of users.
Disadvantages of China unionpay express;
1. Some savings cards and credit cards are inconsistent with physical cards.
2. Repayment through China UnionPay Express Universal Savings Card is limited by card-free payment, with a maximum of 2,000-50,000 yuan for a single payment and 50,000 yuan for a single payment.
3. Some banks have restrictions on repayment times, generally 5 times/month.
This is the end of the introduction on how to use the credit card China UnionPay Express and how to use China UnionPay Express to swipe the credit card. Did you find the information you needed?