Sunpay (紅陽支付)

Sunpay (紅陽支付) Overview For Merchants

Sunpay (紅陽支付) is a Taiwan-based payment service provider offering a unified gateway for online and in-store payments, bank transfers, convenience-store bill payments, and logistics add-ons. Its portfolio covers credit cards via 紅陽PAY, Apple Pay and Google Pay, virtual accounts, web ATM, Taiwan Pay QR, barcode and code payments at convenience stores, plus EDC and mPOS terminals. This overview summarizes how Sunpay works, what it supports, published fees and payout schedules, security posture, integration options, and practical considerations for merchants operating in Taiwan.

What Sunpay (紅陽支付) Offers

Sunpay serves SMEs and larger merchants that need Taiwan-focused acquiring and cash collection with integrated logistics. Core capabilities include:

• Card acceptance: Online card payments, installment plans, and in-person card acceptance with EDC and mPOS.

• Wallets and tokenized payments: Apple Pay and Google Pay for mobile and web checkout.

• Bank transfer rails: Virtual accounts and web ATM to collect funds by bank transfer.

• QR and convenience-store payments: Taiwan Pay, barcode slips, and numeric code payments; optional store pickup and delivery services.

• Add-ons: Electronic invoicing integration and order-to-cash workflows tied to convenience-store logistics.

Payment Methods And Channels

Credit Cards With 紅陽PAY

• Brands: Sunpay documents support for Visa, Mastercard and JCB. UnionPay behavior is documented separately; cards starting with 6 follow UnionPay rules.

• 3D Secure: 3D authentication is supported and can be tested in the sandbox.

• Installments: Sunpay publishes installment options up to 30 months, subject to participating issuing banks.

Apple Pay And Google Pay

• Availability: Apple Pay and Google Pay can be used in online checkout flows and through Sunpay’s Swipy app for QR-based acceptance.

• Flow: Consumers select Apple Pay or Google Pay at checkout, confirm payment, and funds settle through the card rails.

Bank Transfer Options

• Virtual Accounts: Issue unique account numbers to reconcile incoming transfers.

• Web ATM: Consumers complete payment through their online banking interface.

• Taiwan Pay (QR): QR-code-based bank payments; fees and limits vary by bank.

Convenience-Store Payments And Logistics

• Barcode and Code Payments: Generate a barcode slip or numeric code for payment at major convenience stores.

• Store Pickup / Delivery: “超商便利送” and related services combine payment and logistics for ship-to-store or cash on pickup.

In-Store Terminals

• EDC Terminals: Portable 4G terminals for pop-ups and events; short-term rentals (7 or 30 days) and long-term plans are available with published device fees and deposits.

• mPOS: Mobile card acceptance is available for smaller footprint setups.

Pricing Overview And Fees

Sunpay publishes a mix of system fees and per-transaction charges. Rates vary by method and are subject to change; always confirm your final agreement.

System service fee packages

• 1-year plan: NT$16,800 total

• 3-year plan: NT$29,800 total

• Includes service annual fee, setup fee, credit check fee, and information processing.

Illustrative per-transaction fees and limits

• Virtual account / ATM bank transfers: Listed at 1% per transaction with a NT$15 minimum.

• Web ATM: Listed at 2% per transaction.

• Taiwan Pay (QR): Fee is as per the issuing bank’s rules.

• Convenience-store payments:

  • Barcode: NT$20 per transaction

  • Code payment: NT$30 per transaction

  • Store pickup: NT$60 delivery fee per shipment, with additional small SMS or logistics info fees shown

  • Typical transaction cap: NT$20,000 per payment for convenience-store methods

• Card processing via 紅陽PAY:

  • Domestic card rate: negotiated between merchant and Sunpay/acquirer

  • Foreign card rate: 3.5% listed

  • Installment handling fee: examples published as 3% (3 months), 4% (6), 6% (12), 9% (18), 10% (24), 13% (30)

Settlement, Payouts, And Refunds

Cut-off and payout windows

• Daily cut-off: Transactions are batched at 22:00; activity after 22:00 rolls to the next day.

• Credit cards: After you request settlement on day D, Sunpay publishes a payout window of D+8 to D+10 business days.

• Virtual account / ATM: Same-day or D+2 timelines are indicated depending on the rail and bank.

• Convenience-store methods: Payouts typically align with weekly cycles (e.g., next Friday) after the consumer pays at the store.

Refund handling

• Card payments: Refunds can be requested online or via paper fax, subject to card network rules and your agreement.

• Cash-based methods: Sunpay notes that cash transactions do not support refund applications; use exchanges or alternative resolutions.

Statements

• Statement delivery: Statements are sent one business day before payout based on your configured cycle.

Security, Compliance, And Funds Safeguarding

• PCI DSS: Sunpay states that its card processing environment follows PCI DSS requirements and uses SSL for data-in-transit protection.

• ISO/IEC 27001:2022: Sunpay announces certification to ISO 27001:2022 for its information security management system.

• Trust accounts: Sunpay discloses that customer funds collected on behalf of merchants are held in trust accounts with named Taiwan banks.

These controls are particularly relevant for merchants processing card data or reconciling cash-based rails alongside card transactions.

Developer Integration And Support

• API and docs: Sunpay provides a comprehensive 金流串接技術手冊 covering parameters, transaction lifecycles, notification endpoints, encryption (SHA-1 check values, Triple DES), logistics callbacks, and refund workflows.

• Sandbox access: Developers apply for a test merchant account; the sandbox supports card, convenience-store, bank transfer, and logistics scenarios, including 3D Secure test cases and success/failure simulations.

• Double-check flows: The manual documents 即時交易查詢 (DOUBLE_CHECK) to reconcile results server-to-server.

• Shopping cart integrations: Sunpay offers 購物車串接 and 網址付 options to add hosted payments or link payments without building a full checkout.

• Consumer portals: A consumer transaction query page is available for buyers, which can reduce support load.

Onboarding And Operational Requirements

• Business identity: EDC and acquiring services require registered company status, responsible person ID, company seals, and a company bank account.

• Application paperwork: Contact Sunpay for the application and contract package; credit checks are part of onboarding.

• Contact hours: Merchant support is listed as Monday to Friday, 09:00–20:30 via phone or email.

Risk Controls And Acceptable Use

• 3D Secure: Available to reduce fraud on eligible card transactions.

• Restricted categories: Sunpay’s 交易管理規章 outlines prohibited or restricted goods and services. Review it before listing products to avoid compliance issues.

• Foreign cards: The documentation indicates foreign-issued card acceptance is off by default and requires a separate application. Build this into your go-to-market plan if you sell cross-border.

Who Sunpay Is Best For

• Taiwan-focused merchants needing a single provider for cards, bank transfers, and convenience-store payments, with optional store-pickup logistics and electronic invoicing.

• Brands selling via both online and offline touchpoints that want EDC/mPOS for events, temporary pop-ups, and in-store operations.

• SMEs that prefer published fees and timelines for cash-based rails and a local team for onboarding and support.