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UnionPay

UnionPay

Chinese customers

VS

Alipay

Chinese Consumers

Alipay
Fees from
0.8% vs Custom
Features

1 shared

1 unique to Alipay
Regions

4 shared

4 unique to Alipay
Pay methods

5 shared

4 unique to UnionPay · 2 unique to Alipay
On region

Alipay covers 8 regions; UnionPay covers 4. Verify directly with each provider before signing.

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2 features · 11 payment methods · 8 regions. We don't rank these — they're here for reference.
UnionPay UnionPay
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
0.8%
Custom
Settlement
Time to receive funds
1–3 business days
Next business day
Founded
2002
2004
Headquarters
Shanghai, China
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Alipay leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Payment Methods
UnionPay leads (9 vs 7)
Alipay Unique
—
✓
Amex Unique
✓
—
Contactless Unique
✓
—
Digital Wallet Unique
—
✓
Diners Unique
✓
—
Jcb
✓
✓
Mastercard
✓
✓
Mobile Payment Unique
✓
—
Qr Code
✓
✓
Unionpay
✓
✓
Visa
✓
✓
Regions
Alipay leads (8 vs 4)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia Unique
—
✓

UnionPay is best when you...

Chinese customers
View UnionPay

Alipay is best when you...

Chinese Consumers
Need Instant Payout
Not available with UnionPay
Want coverage in Africa, Latin America, Middle East, Southeast Asia
UnionPay doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between UnionPay and Alipay?
They share 5 payment methods and 4 regions. UnionPay adds Amex, Contactless, Diners Club and 1 more that Alipay does not list; Alipay adds Alipay, Digital Wallet that UnionPay does not list; Alipay also covers Africa, Latin America and 2 more; only Alipay offers Instant Payout.
Which is cheaper, UnionPay or Alipay?
UnionPay has published rates from 0.8%; Alipay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use UnionPay and Alipay?
UnionPay lists 4 regions and 9 payment methods; Alipay lists 8 and 7. both cover Asia, Europe, North America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do UnionPay and Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; UnionPay settles in 1–3 business days, Alipay in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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