foreword
In some environments, iOS/iPhone users can see the ApplePay option when using UnionPay QuickPass for credit card repayment
This limit is related to the credit card issuing bank, the repayment amount, and the number of repayments.
I tested 5 banks with my group friend, Uncle Bill, and summarized the operation process and experience
AP repayment support environment test
China Guangfa Bank (I tested it myself): In one cycle/month, the ApplePay button disappears after 3 mainland debit card + 1 Hong Kong debit card repayment. The amount required for normal appearance is more than 2000CNY (not included)
Postal Savings Bank (I tested it myself): I tried multiple amounts, but the button was not displayed successfully in the end
AgBank (Uncle Bill test): no success showing button
Industrial Bank (Uncle Bill’s test): After a few tries, it works, and there is no limit on the amount
China Merchants Bank (Uncle Bill test): The ApplePay button disappeared after trying to repay the Hong Kong debit card once. Normal appearance requires an amount starting from 3000CNY
AP Repayment Fees and Bill Reflection
Credit cards are not supported, non-UnionPay cards are not supported, only UnionPay debit cards may be used, prepaid cards and stored-value cards may not work
JD QuickPass is supported, but its Matryoshka credit card is not supported. (Note that the type 2 card will occupy the second type card quota of 20w per day for 1w years because it is a consumption, and the same is true for others)
I use JD QuickPass Matryoshka Bank of China mainland debit card, it shows as POS consumption, and the merchant is “(Special) Jingdong Pay-Guangfa Credit Card Repayment (Shenzhen)” The cloud QuickPass App shows: the acquirer is Internet Banking Online ( Beijing) Technology Co., Ltd. is classified as department store daily necessities-supermarket, and the transaction category is consumption.
The payment card number will be displayed as “Payment Tokenization System” when inquiring about UnionPay QuickPass.
Free when using Mainland China cards.
Bank of China Hong Kong UnionPay debit card is supported. When 4800CNY is repaid, the consumption is 4800CNH (offshore RMB), and there is no extra charge for UnionPay and AP.
The payment card number is displayed as “UnionPay International Payment Tokenization System” when inquiring about UnionPay QuickPass
In the App of China Guangfa Bank, the display effect before and after the account is shown in the figure (the display of the mainland card and the international card is the same)
Initiate an ApplePay credit card repayment
At present, the reproduction is not very stable. It is known that the system environment of iPhoneX+ and iOS 15.5+ can be
Then the credit card issuing bank, the amount and the number of times are displayed, please refer to the actual situation, it is estimated that it will hover around 1-5K
The number of times and other restrictions are not very clear at present. It may be a limit set by the bank itself. After all, this has a handling fee (UnionPay is reversed)
Remarks for Repayment Using UnionPay International Card ApplePay
Today, I also borrowed the UnionPay international debit card of Bank of China Hong Kong from the group of friends for repayment. To bind applepay, I need the card number validity period name security code + SMS verification code. There is no difference between the payment process and the standard process. Pay attention to the bank limit. His card is The limit is 5000.
Then the repayment is deducted in the same amount of CNH, CHN is offshore RMB, in today’s example, it is slightly higher than the value of CNY
Bank of China RMB settlement to USD (spot exchange purchase price) is now 6.7039
Goolge Chinese Yuan to USD is 6.7168
Mastercard spends RMB 6.7100 in USD
Revolut exchange rate is 6.7069
WISE exchange rate is 6.71665
UnionPay exchange rate is 6.7147
At this time, the exchange rate of Bank of China Hong Kong is 1USD-“6.7163 CNY/6.7086 CNH
There will be a slight loss, but the impact is small.
Supported UnionPay International Cards
If you want to use it, you need, 1, support applepay, 2, is a UnionPay card, 3, is a debit card
According to Apple’s official website data https://support.apple.com/zh-cn/HT206638 , it can be seen that the basically available ones may be mainly from Hong Kong (Singapore does not even see a UnionPay)
According to UnionPay International data https://www.unionpayintl.com/jfimg/2016-44/card_application.pdf , you can also find UnionPay card issuing banks
Among them, there are UnionPay debit cards that support applepay in Hong Kong (*Tap & Live Rewards/TAP&GO/HKT Payment are stored-value cards, I don’t know if it works)
- Bank of China
- Standard Chartered Bank
- HSBC
However, there may also be other East Asian and Southeast Asian countries.
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