Cross-Border Remittance Service

Money Express

A convenient cross-border remittance service provided by UnionPay, offering fast, secure, and cost-effective international money transfers to over 100 countries and regions.

Product Overview

Integrated Remittance Solution

This product provides an integrated solution for MoneyExpress services, including H5 Page on both mobile and PC devices, as well as the interface with UPI. It aims to help institutions simplify their business processes and launch ME services quickly and easily.

Fast Remittance

Quick and convenient cross-border transfers via both mobile and PC devices with real-time processing.

Remittance Record Inquiry

Comprehensive transaction history and remittance status tracking with detailed reporting.

Transaction Limit & Fee Management

Flexible transaction limit settings and transparent service fee structure management.

Update Institutions

Continuous updates and support for participating financial institutions in the MoneyExpress network.

Background

What is MoneyExpress?

MoneyExpress (ME) is a convenient cross-border remittance service provided by UnionPay. It has been offered in more than 100 countries and regions such as the United States, Japan, Singapore, Australia, the United Kingdom, Russia, Canada, South Korea and Hong Kong.

Different from the traditional cross-border telegraphic transfer, MoneyExpress settles the exchange rate in advance and deposits the remittance into the remittee's UnionPay account in account currency.

Competitiveness

Efficient & Cost-Effective

Advantage I: Low Development Cost

Develop one API to call ME H5 and no further development to interface with UPI.

Advantage II: Low Cost of Time

CUPD has completed the interface with UPI and passed the online test by UPI.

Advantage III: High Expandability

Support interfacing with different channels, including Mobile App, Website and Counter system, etc.

System Architecture

How MoneyExpress Works

Remitter

Initiates the cross-border transfer

Client

Financial institution or platform

CUPD

UnionPay Data processing

UPI

UnionPay International network

Recipient

Receives funds in UnionPay account

Key Benefits

Why Choose MoneyExpress

Fast Settlement

Real-time exchange rate locking and quick fund settlement to recipient accounts.

Secure & Reliable

Bank-grade security with UnionPay's trusted network and compliance standards.

Global Coverage

Available in over 100 countries and regions worldwide with multi-currency support.

Easy Integration

Simple API integration with minimal development effort required.