UnionPay International offers card acceptance in multiple regions throughout the world through a combination of direct authorization processing and partnerships with other brands. Portico supports multiple UnionPay authorization routing options for merchants located in Canada and in the United Kingdom.

For all merchants using the UnionPay authorization network, the following conditions apply to all transactions authorizing directly with the UnionPay network:

• The following credit card transaction types are supported:
  • CreditAuth 
  • CreditAddToBatch 
  • CreditReturn 
  • CreditSale    
  • CreditReversal
  • CreditVoid
• Partial reversals are not allowed
• Void transactions routed to the UnionPay network are sent online.
  • If a response is not received for a CreditVoid request, resend the request
• Card on File is not available for transactions being routed to the UnionPay network
• Online PIN is required for EMV and non-EMV transactions:
  • For EMV cards, the PINBlock is sent within the EMVData element
  • For magstripe cards sending TrackData, the PINBlock is sent within the Block1 element

Please note that UnionPay does not support:

• Recurring Billing
• Card on File
• Offline Purchase / Voice authorization
• Card Verification
• Incremental Auth
• Keyed Card Present transactions

Canada

Merchants located in Canada can choose between the Discover and UnionPay networks.  This routing options is a merchant-level configuration, and all UnionPay cards will route the designated network for authorization.  The configuration in Portico must match the configuration for the Host. 

Within Portico, the default is to process via the Discover network, unless Union Pay direct is specified within the Portico DeviceId configuration.

Card on File is not available for transactions being routed to the UnionPay network

United Kingdom

Merchants located in the UK may choose routing through the UnionPay network or a partner authorization network on a per-transaction basis indicated within the transaction request Header. The field is UPIAuthNetwork.  When set to Y, the transaction will be routed to the AP host for processing directly to Union Pay.  When set to N, the transaction will process via the GNAP UK host to the partner network. 

Available routing options vary for different BIN ranges, and not all BINs support alternate routing. Portico does not determine routing or validate BINs, it is the responsibility of the POS to maintain accurate BIN records to determine whether the card's BIN allows authorization through a partner network. If an invalid path is chosen Portico will pass the request to the authorization network and allow the issuer to decline the authorization.