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UnionPay Cards Merchant Guide
Who should use this guide?
You should use this guide if you are a client of TD Merchant Solutions and perform transactions involving UnionPay credit
or debit cards during the course of your daily business.
What is UnionPay?
UnionPay is an international payment brand that is becoming more commonly used worldwide. You will see either
single branded cards (UnionPay only) or co-branded cards (UnionPay and another payment brand).
* More brands may be added overtime.
How do I identify a UnionPay card?
UnionPay cards are easy to identify by their logo shown below.
UnionPay cards
Currently they offer the following cards:
Single branded
Co - branded
Credit card
UnionPay
UnionPay co-branded with Visa,
MasterCard, American Express, JCB or
Diners Club
Debit card
UnionPay
UnionPay co-branded with Interac Debit
or Visa Debit*
Financial Transactions
You can perform any financial transactions with a UnionPay card that you would with another card.
Transaction requirements
UnionPay sometimes requires customers to verify their identity in different ways than what we are used to. The two most
common customer verification methods are:
PIN entry
The terminal may request the customer to enter their PIN for any transaction. For credit cards, the customer can bypass this
PIN request, but if they do and the PIN is requested again, they
must
enter their PIN. Debit cards always require a PIN.
Customer signature
The customer may be required to sign the merchant receipt. This can occur for any transaction, even one where the
customer has already entered their PIN. If you see a signature line on the Merchant receipt, the customer
must
sign the
receipt. Failure to do so may prevent you from being paid for the transaction.
