YunPay
Payment | Settlement | Compliance
Built around "accounts + scenarios," YunPay provides integrated payment, settlement, and compliant fund management for platform businesses — empowering transaction growth and competitive advantage. The YunPay settlement system adapts as your business model evolves. Our solution supports cloud deployment and covers core payments, merchant management, reconciliation, settlement, data analytics, tax invoicing, and financial value-add services.
Product Advantages
Seamless Payment Experience
One-click integration with all major payment channels to cover your full range of transaction scenarios.
Complete Account System
Quickly structure multi-tier merchant hierarchies, manage complex relationships, and administer merchant profiles at all levels.
Flexible Revenue Sharing
Built-in profit-sharing models for platform, agent, and distribution formats. Pick the model that fits your business — and adjust it as you scale.
Customizable Settlement Rules
No matter how complex your settlement requirements, YunPay supports custom settlement methods and cycles, making settlement logic configurable rather than hard-coded.
Fully Automated Reconciliation
End-to-end automation of transaction flows and capital flows, improving financial reconciliation and bookkeeping efficiency while reducing manual effort and errors.
Multi-Dimensional Reporting
Visual dashboards across financial and operational dimensions, giving you comprehensive, actionable data insights without manual spreadsheet work.
Settlement Solution
Through our settlement engine, shared-device services (urban parking, EV chargers, vending machines, self-service car washes) achieve rapid settlement and data visualization — streamlining transaction efficiency.
Transaction Flow
- Dedicated accounts with licensed banks and payment institutions provide multi-party fund oversight. Licensed financial institutions manage both information and capital flows — strengthening risk controls, ensuring compliance, and preventing unauthorized fund pooling.
Payment Middle-Platform
- YunPay's payment middle-platform goes beyond basic QR-code payments. It provides diverse payment services tailored to your brand's platform and device characteristics, streamlining the end-to-end transaction flow for a premium payment experience.
In-Flight Settlement — Compliant Tax Optimization
- Partner revenue is settled in-flight by licensed financial institutions. Funds in transit never touch the brand's account, and input attribution is clean. The enterprise only pays tax on its actual income — no double-taxation on partner margins.
Automated Settlement — 90% Efficiency Gain
- Built on distributed settlement technology, the system automatically books, reconciles, and settles every order end-to-end. Financial management efficiency improves dramatically, manual intervention drops, and shared-device brand owners can manage revenue effortlessly.
Licensed Financial Institution Oversight — Full Compliance
- Dedicated bank and payment institution accounts with multi-party fund supervision. Licensed oversight of information and capital flows strengthens risk controls, ensures regulatory compliance, and supports lawful operations at scale.
Settlement Scenarios
Deferred Settlement
Common in online scenarios with 7-day unconditional returns or settlement hold periods.
Post-Transaction Settlement
Used when the transaction includes a guarantee and the settlement counterparty isn't determined at the moment of payment.
On-Ground Settlement
Used for scenarios requiring four-flow alignment: business flow, transaction flow, invoice flow, and capital flow.
Balance-Based Settlement
Used for user wallet scenarios or merchant balance re-consumption workflows.
Offline Transfer Settlement
Used for scenarios involving offline bank transfer payments.
