In this article, you will learn about:

A video Tutorial

For an easy tutorial, you can watch this video or read the detailed article below:

What's UnionPay?

As a value-added payment service, PayTabs merchants can offer UnionPay Cards (UPI) as an alternative payment method to customers who purchase online in UAE. 

 UnionPay International (UPI) is a subsidiary of China UnionPay. 

For any queries on the benefits of Union Pay, please refer:


Supported Regions

-UnionPay can be enabled for merchants in UAE

-Supported Currencies: AED & USD

How to activate UnionPay?

To activate UnionPay, please prepare the below requirements, then send it to the address below

1) Request letter ( as attached)
2) Indemnity letter ( format attached )
3) Addendum to Mashreq services ( as attached)
4) Trade license copy of all pages 
5) IBAN proof (required only if bank details are different from the existing MID) 
6) Powers of the Authorized Signatory – MOA/ POA ( carry original and photocopy)
7) Passport copy + visa of the Authorized Signatory ( carry original and photocopy)

You may get these documents to the below address. Kindly carry the Original passport of the Authorized Signatory who has signed the form and Original MOA as well with all the latest amendments for our validation.  

Mashreq Bank – MSU Department  
Injaz Building 1, Dubai Outsource Zone 
Near Academic City 
Ph# 042937327

Also, please make sure to complete the below categories on the website,

1. About Us
2. Privacy Policy
3. Terms & Conditions 
4. Refund Policy
5. Contact Us

UnionPay Payment Workflow

UnionPay payment process is hosted by UnionPay, which means that the payment will be managed and processed on the UnionPay side

 When customers click on the UP icon on the checkout page, they get redirected to the Union Pay site to enter card details and complete the payment.


UnionPay Testing cards



To date, billions of UnionPay cards have been issued globally, giving you as a PayTabs merchant in the UAE, unlimited access to tap this profitable segment of cardholders.

UnionPay  Settlement Flow

  • If your account is activated directly with the bank(PSP), then   transactions will be settled directly to your bank account
  • If your account is activated as an aggregation model with PayTabs, then UnionPay transactions will be settled among the other transactions when the available balance is USD 300 or more or equivalent to your local currency