Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 14 companies across 2 categories.
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Founded in 2002 as China's mandated domestic bank card network, UnionPay expanded internationally via UnionPay International (UPI) from 2012, growing acceptance to 183 countries. It evolved from a pure card scheme into a broader financial infrastructure provider by launching mobile payments (QuickPass/云闪付), an open banking API platform for member banks, a SaaS card-issuing service, and a B2B cross-border payment platform. The embedded finance angle is UPI's strategy to become the network layer and API infrastructure for Chinese outbound payments, cross-border B2B settlements, and card issuance for partner financial institutions globally.
Other Card Network providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/unionpay/install" width="1" height="1" alt="" style="display:none">14 companies are linked to UnionPay in the Embedded Finance Index 2026, through their own public disclosures or UnionPay's published customer list, including CrediMax, JD Fintech, Mobilum, Paysend, Cellpoint, Paymentology, Moneris, Kcb, Equitel, DCS Card Centre and 2 others.
UnionPay is an embedded-finance provider in Card Network and PSP. It ranks #6 of 15 Card Network providers by linked companies.
The most-named Card Network alternatives to UnionPay are Visa (355 buyers), Mastercard (314 buyers), American Express (46 buyers), Verve (24 buyers), Discover (22 buyers) and Elo (4 buyers).
UnionPay is founded in 2002 and headquartered in Shanghai, China.
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