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Process flows

In order to integrate ExpressPay, please refer to our API Reference.


  1. Consumer places order and chooses UnionPay
  2. Provides its card number and proceeds with the payment. 
  3. We request the authorization with UnionPay
  4. UnionPay requests the authorization with the issuing bank. 
  5. The issuing bank responds to UnionPay
  6. UnionPay is providing the response to us. 
  7. We update the order status so you can release the order. 
  8. Ingenico requests the settlement. 
  9. Unionpay request the settlement from the issuing bank. 
  10. The issuing bank settles the funds
  11. Funds are reported to us. 
  12. We remit funds and report to you