Accept Alipay, WeChat Pay & UnionPay
If you're only processing UnionPay credit cards, you're missing 90% of Chinese cardholders. Add Alipay, WeChat Pay, and UnionPay debit to your eCommerce checkout and recover abandoned Chinese sales.
You're already selling to China—but missing most customers
If you only process UnionPay credit cards, you're reaching just 10% of Chinese cardholders. The other 90% use UnionPay debit cards that require specialized routing. Meanwhile, 80%+ of Chinese online shoppers prefer Alipay or WeChat Pay for eCommerce purchases.
Adding UnionPay debit + Alipay + WeChat Pay to your checkout recovers 40–60% of abandoned Chinese transactions.
Three China payment methods for eCommerce
UnionPay debit, Alipay, and WeChat Pay cover 95%+ of Chinese online shoppers.
UnionPay credit/debit
China's primary card network. Most U.S. processors only support UnionPay credit (~10% of cards).
- ~90% of UnionPay cards issued are debit
- Lower interchange vs credit
- Requires direct integration
Any company selling to China.
Alipay
China's dominant digital wallet with 1.3+ billion users. No card entry required.
- Integrated directly into checkout
- Customer pays CNY, you get USD
- No currency conversion friction
Luxury, fashion, electronics.
WeChat Pay
Embedded in China's largest social platform with 1.2+ billion monthly users.
- Checkout using WeChat wallet
- Settlement in USD
- Seamless with social commerce
Cosmetics, social commerce.
Payment method comparison
| Feature | Alipay | WeChat Pay | UnionPay Credit / Debit |
|---|---|---|---|
| Authorization rate | 95%+ | 95%+ | Credit 70–85% / Debit 90–95% |
| Settlement currency | USD/HKD/EUR | USD/HKD/EUR | USD/HKD/EUR |
| Customer pays in | CNY/HKD | CNY/HKD | CNY/HKD |
| Processing cost | 2–3% | 2–3% | Credit 3–4% / Debit 2.5–3.5% |
| Standard US processors? | No | No | Credit: Yes / Debit: No |
Who this works for
eCommerce brands selling to Chinese customers.
Luxury fashion & accessories
High-ticket apparel, handbags, jewelry, and accessories where Chinese customers prefer buying from U.S. brands directly.
Health, beauty & cosmetics
Skincare, cosmetics, supplements, and health products with strong demand from Chinese consumers.
Consumer electronics & tech
Smartphones, laptops, wearables, and tech accessories. Chinese customers purchase internationally for authenticity.
Specialty goods & collectibles
Limited edition products and niche categories. Local payment methods signal legitimacy.
Why work with Paytrinsic
UnionPay debit expertise
Most processors support UnionPay credit but don't route debit properly. We add debit routing so you can reach the other 90% of Chinese cardholders.
Platform integration
We integrate Alipay, WeChat Pay, and UnionPay debit into Shopify, WooCommerce, Magento, BigCommerce, and custom platforms.
Ongoing optimization
We monitor approval rates, track cart abandonment, and identify optimization opportunities as your China market grows.
Results our clients see
eCommerce brands adding China payment methods see immediate cart abandonment reduction.
DTC brand, $8M China sales
Problem: Abandoned 62% of carts when only Visa/MC available.
Result: Abandonment dropped to 33%. Conversion increased 2.8x.
Skincare, $4.5M China market
Problem: Processing UnionPay credit only (~10% of cards).
Result: Success rate improved from 71% to 94%.
Tech accessories, $12M revenue
Problem: High cart abandonment (58%) and support tickets.
Result: Revenue grew $1.8M to $4.1M. Support tickets down 76%.
Implementation process
Most eCommerce integrations go live in 2–4 weeks.
Payment method integration
We connect Alipay, WeChat Pay, and full UnionPay (credit + debit) into your eCommerce platform through a single integration.
Currency display and conversion
Customers see prices in CNY while you receive settlement in USD. We handle display logic and conversion behind the scenes.
Testing and go-live
We run test transactions with Chinese cards and wallets to verify routing. Typical go-live: 2–4 weeks.
Ongoing monitoring
We keep up with network updates and maintain connections to Chinese providers so you stay current.
Technical requirements
We work with most modern eCommerce platforms.
Platform compatibility
- Shopify, WooCommerce, Magento, BigCommerce
- Custom eCommerce platforms and headless commerce
- Single API integration or hosted payment page options
What you need
- HTTPS eCommerce site
- Ability to display prices in CNY (or we can handle for you)
- Developer access and a basic testing environment
Ready to accept the payment methods Chinese customers prefer?
Schedule a 30-minute consultation. We'll review your eCommerce checkout and show how you can reduce cart abandonment from Chinese customers.
Schedule consultationQuestions? See our complete FAQ