Accept Payments with PAYUNi

Q: Can buyers choose "Cash on Delivery" when selecting 7-ELEVEN pickup?

Currently, the entire platform uses a "Pay first, ship later (no payment upon pickup)" model. Buyers must complete payment via credit card, Apple Pay, ATM transfer, or convenience store code at checkout. Once the package arrives at the 7-ELEVEN store, the buyer simply presents their ID to collect the package without paying cash at the store.

About 8 minIntermediate

Overview

PAYUNi is a comprehensive payment service provider under the Uni-President Group (Uni-President Digital) in Taiwan. When your store's "Business Location" is set to Taiwan (TW) and your "Store Currency" is New Taiwan Dollar (TWD), you can apply directly from your Kanorio admin panel through our partner channel—no need to copy or paste complex API keys yourself.

PAYUNi offers three core advantages:

Most Comprehensive Payment Methods: Includes domestic and international credit cards, UnionPay, 3–30 installment plans, Apple Pay, Google Pay, Samsung Pay, ATM virtual account transfers, convenience store codes, and AFTEE buy-now-pay-later.
The Only Payment Gateway Integrated with 7-ELEVEN and TCAT Logistics: If you sell physical goods and wish to use or , you must enable PAYUNi.
Automated Platform Fee Splitting (No Credit Card Required): Kanorio platform fees are automatically deducted from your pending PAYUNi balance after an order is completed, so you don't need to link a separate credit card for monthly billing.

Eligibility and Payout Limits for Individuals vs. Businesses

Whether you are an individual creator or a registered company/business, you can apply for PAYUNi:

Comparison	Individual Seller (Personal Account)	Business Seller (Business Account)
Identity Requirements	Adult natural person with a Republic of China National ID	Company, sole proprietorship, limited partnership, or legal entity with a Taiwan 8-digit Unified Business No.
Required Kanorio Fields	ID number, legal name in Chinese (2–15 characters)	8-digit Unified Business No., registered company/business name, owner's Chinese name and ID number
Credit Card Limit	30-day cumulative limit of approx. NT$200,000	30-day cumulative limit of approx. NT$1,000,000 (can apply to PAYUNi for an increase)
Available Logistics	• 7-ELEVEN C2C Store-to-Store; • Black Cat Delivery	• 7-ELEVEN C2C Store-to-Store and B2C Bulk Storage; • Black Cat Delivery

The payout limits and review standards above are subject to the latest policies from PAYUNi and the acquiring bank.

4 Steps to Apply and Activate in Kanorio

1. Ensure Your Public Website Has Complete Product and Contact Information

Before submitting your application, please ensure your website is "Published" and live, and that it contains real, understandable product names, descriptions, reasonable TWD pricing, a return policy, and customer service contact information (reviewers will manually inspect your site; empty sites or test text will result in a request for additional documentation).

2. Submit Your Partner Store Application in Kanorio

Go to "Settings › Payments" in your admin panel.
Click "Apply for PAYUNi" on the PAYUNi card.
Select "Individual" or "Business", enter your ID number/Tax ID and basic contact information, and submit. The system will immediately create a partner store ID (MerID) for you in PAYUNi, and the card status will change to "Under Review".

3. Log In to the PAYUNi Admin Panel to Complete Registration and Set Up Payout Bank (Crucial Step)

Important Reminder: After submitting your application in Kanorio, you must log in to the official PAYUNi admin panel to complete identity verification and enter your "Payout Bank Account" for the review to proceed!

Check the email address you provided during application for the activation email from PAYUNi, or click "Go to PAYUNi Admin Panel" from the "PAYUNi Account Information" panel in Kanorio.
Follow the instructions in the PAYUNi panel to upload your ID documents (businesses must also include registration/amendment forms) and set up the Taiwanese bank account for receiving payouts (must be a personal account for individuals, or a corporate account for businesses).
The review process typically takes 5 to 10 business days. If you receive a request from PAYUNi for additional information, log in to their panel to provide it. Once finished, you can click "Refresh Status" in the Kanorio panel.

4. Manage Payment Methods and Checkout Order After Approval

Once PAYUNi is approved, the system will automatically sync the status to "Enabled" via Webhook or when you open the payment settings page. If it is your first multi-payment method, it will be added to the checkout page automatically. If you already have another multi-payment method enabled (e.g., SHOPLINE Payments), it will be placed in "Disabled" mode, and you can drag and drop to switch it at any time in .

Supported Payment Methods, Rates, and Individual Toggles

In "Settings › Payments", click the PAYUNi card to enter the "PAYUNi Account Information" panel. You can individually enable or disable 16 payment methods in the "Payment Methods" section (the system will automatically call the PAYUNi API to sync after you toggle a switch, which usually takes a few minutes to take effect):

Category	Payment Method	Discounted Rate (Tax Incl.)	Default Status	Checkout Experience
Credit Card / Contactless	Domestic Credit Card (Visa / Mastercard / JCB)	2.2%	Enabled by default	In-page payment (UNiEmbed security component)
	International Credit Card	3.5%	Enabled by default	In-page entry with card details
	UnionPay	2.2%	Enabled by default	Supported with credit card
	Apple Pay	2.2%	Enabled by default	Redirects to PAYUNi secure page (Apple devices/Safari only)
	Google Pay / Samsung Pay	2.2%	Enabled by default	Redirects to PAYUNi secure page

Why can't I enable LINE Pay or JKoPay within PAYUNi? In the Kanorio architecture, LINE Pay and JKoPay operate via independent "Mobile Payment" direct channels. They can coexist with PAYUNi on the checkout page without conflict. If you wish to offer LINE Pay or JKoPay, please refer to and .

Integration Rules with 7-ELEVEN and TCAT Logistics

If you have enabled 7-ELEVEN Pickup or TCAT Delivery in "Settings › Shipping", please note the following two integration mechanisms:

When a buyer selects 7-ELEVEN or TCAT, payment is automatically locked to the PAYUNi payment page:
- Because logistics orders for these two services must be created simultaneously when payment is completed on the PAYUNi Unified Payment Page (UPP), the payment option will automatically lock to PAYUNi when a buyer selects "7-ELEVEN" or "TCAT" at checkout. After clicking pay, they will be redirected to the PAYUNi page (buyers selecting 7-11 will open an electronic map on that page to select their pickup store and complete the card payment or obtain a code).
When PAYUNi is disabled, 7-ELEVEN and TCAT will be temporarily hidden:
- If you move PAYUNi to "Disabled" in Payment Management (or switch to SHOPLINE Payments), 7-ELEVEN and TCAT will automatically change to "Paused" and be hidden from the checkout page until you move PAYUNi back to "Visible to buyers."

Payout Inquiries, Fees, and Refund Restrictions

7-Day Payout Summary and Fee Reconciliation: The system automatically syncs payout settlement data from PAYUNi in the background, updating the order details with the actual payment processing fees and net payout amounts. A 7-day payout summary is displayed in the "PAYUNi Account Information" panel.
Kanorio Platform Fee (9% / 3% / 0%): After an order is completed, the system automatically deducts this via the partner split-payment mechanism from your pending PAYUNi balance. See for details.
Refund Timeframe and Installment Restrictions: You can initiate a refund from the Kanorio admin panel within 180 days of payment. Please note: Credit card one-time payments support full or partial refunds; however, "Credit Card Installment" orders only support "Full Refunds" per PAYUNi policy (the refund drawer will automatically lock to the full amount). Platform fees and payment processing fees are non-refundable after a full or partial refund. See for details.

FAQ

This means you may have used the same phone number or email to register another account with PAYUNi in the past. Please use a different contact email/phone number that has not been registered with PAYUNi, or contact Kanorio support to assist you in linking your existing store.

Currently, the entire platform uses a "Pay first, ship later (no payment upon pickup)" model. Buyers must complete payment via credit card, Apple Pay, ATM transfer, or convenience store code at checkout. Once the package arrives at the 7-ELEVEN store, the buyer simply presents their ID to collect the package without paying cash at the store.