If you are using a UnionPay debit or credit card (online card payment) to make a payment in CNY from China, you may have questions about how UnionPay payment works, how it compares to other methods, or how to resolve common issues. Please review the FAQs below for guidance.
What is the difference between Domestic Bank Transfer in CNY and UnionPay payment?
Both methods support payments in CNY, but they differ in process and requirements:
Domestic Bank Transfer in CNY (offline payment)
Complete the CNY transfer via your online banking app or at a local bank branch using the account details provided by Flywire.
Requires document upload and payer verification to complete necessary foreign exchange reviews. If verification fails, your payment progress will be paused until the required information is updated and approved.
Once verified, the funds will be delivered to your institution within 2–3 business days.
Eligible for Flywire’s Best Price Guarantee.
UnionPay payment (online card payment)
Pay directly on the Flywire page using a UnionPay debit or credit card immediately after creating your payment request.
No document upload or payer verification required.
Payment status updates immediately after a successful payment.
The funds will be delivered to your institution within 2–3 business days.
Not eligible for Flywire’s Best Price Guarantee.
What should I do if my UnionPay payment fails?
A UnionPay payment may fail due to card limits, incorrect details, or network issues. To resolve this, please check the following:
- Card limits: Make sure your UnionPay card supports online payments and the amount does not exceed your limit. Contact your bank or UnionPay support (95516) if needed.
- Card details: Ensure all information is correct and that your card type matches the selected UnionPay payment option (debit vs credit).
- Network connection: Disable VPN if enabled, and avoid public or restricted networks such as school or office Wi-Fi.
If the issue continues, you can cancel the request and choose another payment method, or contact Flywire Support.
Why is the UnionPay card number input page not loading?
If the page where you enter your card details is blank or loading endlessly, please try the following:
- Change your browser: Switch to Google Chrome or use an Incognito/Private window.
- Clear your cache: Clear your browser's cookies and cache.
- Check your connection: Turn off any active VPNs and disconnect from public Wi-Fi (such as a school or office network). Try using a private home network or cellular data.