UnionPay QR is a global QR payment network accepted by participating merchants worldwide.

OCBC app users can scan and pay securely at participating merchants that accept UnionPay QR payments worldwide:

• Argentina
• Australia
• Bahrain
• Bangladesh
• Bhutan
• Brunei
• Cambodia
• Canada
• Fiji
• Georgia
• Hong Kong SAR
• Japan
• Kenya
• Laos
• Macau SAR
• Mainland China
• Malaysia
• Maldives
• Mauritius
• Mongolia
• Nepal
• New Zealand
• Nigeria
• Pakistan
• Panama
• Philippines
• Singapore
• South Korea
• Sri Lanka
• Taiwan
• Tanzania
• Thailand
• Turkey
• UAE
• USA
• Vietnam

You can do so at participating merchants that accept UnionPay QR payments in supported destinations.

Simply look out for the UnionPay acceptance marks displayed at the store or the cashier:

You can pay using either of the following methods:

Scan merchant's QR code

1. Open the OCBC app and tap Scan & Pay.
2. Scan the merchant's UnionPay QR code
3. Enter the payment amount and view the exchange rate.
4. Review and confirm the payment.
5. Payment completed.

Generate your QR code

1. Open the OCBC app and tap Scan & Pay.
2. Tap on the 'Alipay+' icon and present you QR code to the merchant for scanning
3. Review and confirm the payment.
4. Payment completed.

You can make payments from SGD0.10 or equivalent. The maximum you may pay per day (daily spend limit) is SGD1,000 or equivalent. This limit cannot be changed.

You will be charged in SGD (based on the exchange rate displayed). Payments can only be made from your SGD account.

No. Apart from the conversion rate applied, you will not incur additional fees from using the service.

The foreign exchange rate is determined based on prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective Card Associations and/or payment service provider.

Conversions shall be based on a mark-up of 2% above the foreign exchange rate. The mark-up serves to cover services provided and administration by us and our service providers in connection with foreign currency transactions.

For UnionPay QR, transactions in US Dollar, Chinese Yuan and Brunei Dollar shall be converted to Singapore Dollar on the date of conversion. Transactions in other foreign currencies will be converted to US Dollar before being converted to Singapore Dollar.

The exchange rate will be valid at the point of inputting the transaction amount. Should you close the OCBC app or idle too long in the OCBC app and get logged out, the exchange rate will be refreshed.

If the purchase amount exceeds SGD 200, for your account security, transaction signing with your OCBC OneToken or hardware token will be required.

Yes, UnionPay QR uses the EMV specifications which is in line with global payment security standards.

No, your personal information will not be shared with any third party throughout the entire payment process.

No, you can simply scan and pay with using OCBC app. Payment will be debited from your selected OCBC SGD current or savings account.

Please check that your mobile phone's internet connection is stable.

If your payment is rejected, ensure that:

• You have sufficient funds in your eligible OCBC SGD current or savings account; and
• You have not exceeded the maximium daily spend limit of SGD 1,000 or equivalent.
• You have not exceeded the annual cumulative limit of USD 50,000 imposed by UnionPay

Merchants may also be subjected to additional acceptance limits imposed by their acquirer or payment network. As a result, you may occasionally encounter payment failures even when your account and limits are in order.

If the issue persists, please contact us and provide the following information:

• Background / context of the case
• Merchant / outlet name
• Merchant / outlet location
• Photo of the merchant outlet (if available)
• Payment receipt or any information provided by the merchant
• Screenshot of the transaction in the OCBC app (Transaction History)
• Details of any alternative payment made, including a screenshot of the transaction (if available)

We will review the case and advise on the next steps. Please retain all receipts and supporting documents for reference.

A UnionPay Virtual Token, also known as a Tokenised Card, is a digital token issued by OCBC to facilitate UnionPay QR and Weixin Pay QR transactions.

When you make your first UnionPay QR or Weixin Pay QR transaction, you will be prompted to accept the Terms and Conditions and activate the token. The token will be issued and activated upon your confirmation.

You may disable your UnionPay Virtual Token (Tokenised Card) through the OCBC app

Simply naviate to More > Payments & transfers > Manage UnionPay & Weixin Pay and toggle off to disable the token. This will prevent any further UnionPay QR and Weixin Pay QR transactions.

To reactivate the token, simply make another UnionPay QR or Weixin Pay QR transaction and accept the Terms and Conditions when prompted. The token will be enabled upon receiving your confirmation.

No. There are no additional fees for provisioning or using a UnionPay Virtual Token (Tokenised Card).