A UnionPay payment is a fast and convenient way to send funds in Chinese Yuan (CNY). Unlike some other payment methods, a UnionPay payment does not require you to upload any verification documents. There are also no restrictions on the payer's nationality or their relationship to the student.
Requirements for a UnionPay payment from China
- Use an eligible card: You must use a debit card or credit card that displays the China UnionPay logo. This payment method only processes transactions in Chinese Yuan (CNY).
- Match your card type: The UnionPay card you use must exactly match the specific payment option you selected on Flywire (e.g., you must use a debit card if you chose the "UnionPay Debit Card" option).
- Complete the payment within 24 hours: Your online card payment request will automatically expire 24 hours after you create it.
- Check your transaction limits: Payment limits depend on your specific issuing bank and your card type. To check your card's activation status or payment limits, download the Cloud QuickPass App (云闪付 APP) or call the official UnionPay hotline at 95516. You can also visit UnionPay Help for more details on card limits across banks in China.
If your transaction fails at the final step due to a bank limit restriction, you can easily split the total amount by creating multiple smaller payment requests on Flywire. Alternatively, you can select "Domestic Bank Transfer in CNY" for high-value payments.
Steps to complete your UnionPay payment from China
Step 1: Create your payment request
Select either "UnionPay Debit Card" or "UnionPay Credit Card" as your payment method. Fill in the required payer information to create your online payment request.
Step 2: Enter your card details
After creating the payment request, the system will direct you to the payment details page. Enter your UnionPay card information. You must also enter the exact mobile phone number that is registered with your card's issuing bank.
Step 3: Verify the payment with an OTP
Click the "Pay" button. Your issuing bank will send a One-Time Password (OTP) via SMS to your registered mobile phone number. Enter this verification code on the screen to authorize the transaction.
Step 4: Confirm your payment status
Once your UnionPay payment is successful, the funds will be deducted from your bank card immediately. Because a UnionPay payment does not require document verification, Flywire will update your payment status shortly after the deduction, and your institution will be notified accordingly. Your funds will be processed and delivered to your institution within the next 2 to 3 business days. You will receive an email notification once the payment is complete.