Expand your online sales to China by accepting UnionPay cards on your website. China Payment Services offers an online payment gateway to accept all China-issued UnionPay cards.

1. Welcome to
CHINA PAYMENT SERVICES

2. About China Payment Services (CPS)
China Payment Services (CPS) offers ecommerce payment solutions to allow
domestic and International businesses to accept payments from all Chinese credit and
debit cards (China UnionPay cards) on their website.
There are reportedly now over 530 million Internet users in China, and approximately
500 million UnionPay cards on issue. CPS can help businesses to target Chinese
Internet users by providing a supportive and targeted payment facility to start
accepting UnionPay cards with complete ease.
China UnionPay is the central (and only) domestic bank card association in China; all
cards issued in China bear the UnionPay logo.
We are in partnership with a leading online payment subsidiary of China UnionPay
(ChinaPay), as well as numerous banks within China. This allows CPS to offer
merchants the ability to accept payments from China, whilst settling into their choice of
major currency, into their domestic bank account.
Fact: There are more UnionPay cards on issue worldwide then there are Visa or
MasterCard.

3. Ecommerce in China
The enormous scale and potential of ecommerce in China:
• China is already the 2nd biggest consumer of luxury goods in the world
• China has over 513 million Internet users (more internet users than the USA and Europe combined)
• China has 193 million online shoppers (more than the USA)
• China‟s eCommerce volume in 2010 was 703 billion USD, by 2015 it is expected to reach 2.8 trillion
USD
• The Chinese government is actively working to promote ecommerce growth and development

4. CPS Partnered With ChinaPay
The previous challenge faced by international businesses selling to Chinese
customers was the inability to accept payments in Renminbi unless they had a
Chinese bank account.
CPS has established a partnership with ChinaPay that closes this gap by offering a
cross-border online payment facility that allows merchants to accept payments from
Chinese customers in Renminbi whilst settling in their choice of major currency into
their local bank account.
Benefits of CPS’s partnership with ChinaPay:
• UnionPay Trust – Especially within the luxury brands market, shoppers
prefer to purchase with a trusted brand. Being government owned and on all
Chinese cards helps build consumer trust.
• Global Experience – UnionPay has a rapidly spreading global presence and
systems development, which places ChinaPay in a leading position to
support global companies. CPS is helping to fill the gaps and provide a true
global support system.
• B2C Market Share - In terms of market share in the B2C market, ChinaPay
is on an equal footing with AliPay, the largest direct competitor in the market.
• Superior Support – Our experience shows that companies making a healthy
profit in China provide better support. ChinaPay has made healthy profits for
the last three years.
• Foreign Currency Settlement – Due to the unique ownership structure of
ChinaPay and the relationship with The People‟s Bank of China, it is easier to
facilitate cross border settlement.

5. Core Benefits of the CPS Payment Facility
CPS Core Benefits:
• True Bi-lingual Interface - View everything in English or Chinese within our gateway
• Multi-Currency - Display local pricing and settle in any major currency (e.g. USD,
GBP)
• 99.99% Uptime Reliability - The gateway is very reliably hosted in Hong Kong with
top tier security and redundancy
• Easy to use - The CPS gateway has an easy to use informative gateway interface
which provides access to useful data and reports
• Real-time reporting - View all approved, declined and abandoned transactions in
real time in the CPS secure back-end system
• Australian-based – Reap all the benefits of trading with China, without having to
deal with Chinese organizations. CPS is based in Australia, and offers solutions and
support to merchants across the globe.

6. CPS Setup Options
China Third Party Payment Facility
• Ideal for: business based outside of China, wanting to receive payments in a
currency other than RMB
• Available Settlement Currencies: USD. Other currencies are available
upon request; application is dependent upon expected monthly processing
volume (over USD$10,000)
• Activation timeframe: 24-48 hours for USD. 2+ weeks for other currencies
(if approved)
• Settlement timeframe: Weekly
• Rates: Refer to Table 1 of the online rate card
China Merchant Account
• Ideal for: businesses based in China, wanting to settle into their Chinese
bank account
• Available Settlement Currencies: RMB
• Activation timeframe: 1 – 2 weeks
• Settlement timeframe: Every 2 days
• Rates: Refer to Table 2 of the online rate card

7. CPS Gateway Integration Options
Hosted Sales Page Integration
• Add UnionPay as a payment option to your existing shopping cart system so customers
can make multiple purchases at once
• CPS can integrate with most major shopping carts.
“Buy Now” button
• Quick and easy option that is added to each individual item on your website
• Works best when only one or a small number of items are purchased at the one time
• Allows customers to purchase items without the need for your website to have a
shopping cart, or allowing Chinese customers to by-pass the shopping cart procedure
Want to learn more about these integration options?
Contact your account representative, Chantelle (c.baguley@chinapaymentservices.com) for our
handy integration guides.
For account holders, log-in to CPS secure and navigate to Account > Documentation >
Integration.

8. CPS Online Payment Process
The “Push Payment” Principle:
Payments made via a UnionPay card are much different from Visa / MasterCard etc. in
that they work on a "push payment" principle. What this means is that when
customers elect to pay via UnionPay, they authorize the payment from their end.
I.e. when directed though the external CPS payment gateway, customers are sent to
their personal bank account where they confirm and transfer funds out of their bank
account and back through the secure payment gateway.
This works much like a wire transfer, however is much less complicated, and is the
standard payment process in China.
Please see the next 4 slides for a step-by-step demonstration of how this process
looks from your customer‟s POV.

9. CPS Online Payments Demonstration
Your Checkout / Payment Page
1. Select Payment
Method
Once an item has been
selected for purchase on
your checkout / payment
page, customers have the
option of accepting
UnionPay as their preferred
payment option.
When UnionPay is
selected, users are
redirected to the CPS
payment gateway.
Depending on your chosen
currency setup, customers
may first be directed to a
hosted currency
confirmation page or
directly to a bank
selection page.
Example Payment Page

10. CPS Online Payments Demonstration
Currency Confirmation Page
2. Currency
Conversion Page
This page only appears if
your sale currency is not
RMB.
Here, customers are
presented with a hosted
redirect currency
confirmation page, which
confirms the amount they will
be deducted in RMB.
Example used: USD to RMB

11. CPS Online Payments Demonstration
ChinaPay Bank Selection Page
3. Bank Selection
and Payment
Authorization
The customer then
chooses which bank
they wish to pay via.
They authorize the
payment with their
own bank and will
see a “Payment
Success”.
This is the standard
online payment
process in China.

12. CPS Online Payments Demonstration
Your „Thank-you‟ Page
4. Select Payment
Method
Immediately after the
payment is authorized and
accepted through the CPS
payment platform, the
customer is redirected back
to your website.
Example ‘Thank-you’ Page

13. eCommerce
Payment Flow

14. CPS Secure Administration
The Dashboard
View all completed and
abandoned transactions
in real-time via your CPS
Secure account.
The dashboard is
customizable with your
choice of „widgets‟.
Widget reports include:
• Account Balance
• Transaction Count
• Transaction Feed
• Transaction Volume
• etc.
Contains Sample Data Only

15. CPS Secure Administration
Transaction
Details
Contains Sample Data Only

16. CPS Secure Administration
Transaction
Customer
Details
Contains Sample Data Only

17. Fraud Screening
At CPS, we approach payment processing and fraud management with a consistent
emphasis on security, across a range of areas. The CPS Gateway has more than
seven separate fraud detection and prevention systems that work seamlessly to
identify and block suspicious transactions.
These tools detect, among other things:
• suspicious purchasing patterns,
• velocity levels and,
• failed identification checks which raise alerts and or block a payment
altogether.

18. I‟m Ready to Apply for an Account
To set up a Chinese payments account with CPS, simply make an online application
from the CPS website.
Application Process:
1. Make an online application at: www.chinapaymentservices.com/apply-
now. Upon application, you will be provided with a unique log-in to the CPS secure
back-end system where you will find all integration and testing information.
2. Application URL is underwritten in 24-48 hours
3. Once approved, an email will be sent out requesting supporting
documentation and completion of CPS Setup Form, and any other required forms
4. Once documents are returned and approved, account will be activated (in
some cases, this can be done in a matter of hours)
I Require Further Information
Contact your CPS account representative:
Chantelle Baguley
c.baguley@chinapaymentservices.com
+61 7 3113 4029
Brisbane, Australia

19. Looking for International Card Options?
China Payment Services is part of the PNI Group. If you are also looking for
International payment solutions to accompany your China payment solutions,
contact the team at PNI for more information
Payment Network International (PNI)
Phone: +61 7 3113 4007
Email: info@pni.com.au
Head Office: Level 1, 360 St Pauls Terrace, Fortitude Valley QLD, Australia

20. Thank you for your time
CHINA PAYMENT SERVICES