Accept Payments with PAYUNi Unified Payment Gateway
PAYUNi Unified Payment Gateway is a third-party payment service in Taiwan. It integrates payment methods such as credit cards, ATM transfers, convenience store payment codes, and some mobile payments into a single payment page, making it suitable for Taiwanese sellers selling digital goods in New Taiwan Dollars.
Kanorio uses a reseller application model for PAYUNi. In simple terms, you don't need to research APIs, create integration keys, or paste Hash Keys into Kanorio yourself. When PAYUNi is enabled for your account, you can simply fill in the required information on Kanorio's payment account page and submit it for review.
PAYUNi is currently in the preparation phase for public release on Kanorio. If you do not see the option to apply for PAYUNi on your "Store -> Payment Accounts" page, it means the feature has not yet been enabled for your account. Please do not use non-Kanorio processes to manually enter integration keys.
Scope of Application
- Seller Location: Taiwan.
- Checkout Currency: New Taiwan Dollar (TWD).
- Product Type: Kanorio's current digital goods and sponsorships, excluding logistics and physical product delivery.
Individual and Business Sellers
PAYUNi will request different information based on whether you apply as an individual or a business. Kanorio's application form will display the required fields based on your selection.
| Application Status | Common Required Documents |
|---|---|
| Individual Seller | Full Name, ID Number, Contact Phone, Email, Store Information, and Payment Details |
| Business Seller | Company or Business Name, Unified Business Number, Responsible Person's Details, Contact Information, Store Information, and Payment Details |
PAYUNi's current 30-day credit card transaction limit is NT$200,000 for individual sellers and NT$1,000,000 for business sellers. Limits, documents, and approval conditions may be subject to change; please refer to the actual application results.
Prepare Your Website Before Applying
The payment gateway needs to understand what you are selling and how buyers can contact you. Before submitting your application, please ensure your public website clearly displays:
- Product or sponsorship details, pricing, and delivery methods.
- Store name, contact email, or phone number.
- Refund, cancellation, or usage policies.
- Website URL and accessible sales pages.
Incomplete information, unclear product descriptions, or an inaccessible website may lead to requests for additional documentation during the review process.
Steps to Apply within Kanorio
1. Open the PAYUNi Application Form
Navigate to "Store -> Payment Accounts" in the backend and select PAYUNi. If the option is not visible, it means the feature has not yet been enabled for your account.
2. Select Application Status and Fill in Details
Based on whether you are an individual or business seller, fill in your identity, contact person, store name, English store name, website URL, address, and product description. Ensure the information matches your identification documents and bank account details.
3. Submit for PAYUNi Review
Kanorio will submit the necessary store information to PAYUNi's reseller application process. After submission, your account status will show as "under review," and you will not be able to accept payments yet.
4. Await Review Results
Once PAYUNi approves your application, Kanorio will update your payment account to "available." If additional documents are required or your application is not approved, please make the necessary corrections based on the reasons provided in the backend or notifications, and then resubmit.
Kanorio estimates an approximate 3 business day review time for the application interface; the actual timeline is determined by PAYUNi.
What Payment Methods Can Buyers Use?
The actual available payment methods for PAYUNi will depend on your approval results and PAYUNi account status. Kanorio's initial application will include the application for the following tools:
| Type | Common Payment Methods | Description |
|---|---|---|
| Credit Card | Domestic Cards, International Cards, UnionPay, Apple Pay, Google Pay, Samsung Pay | Buyers enter card details on the PAYUNi page or authorize via their device wallet |
| Credit Card Installments | 3, 6, 9 installments | Buyers can pay in installments; availability depends on approval and card issuer rules |
| Offline Payment | ATM, Convenience Store Code | The system provides payment information, and buyers complete the transfer or payment within the deadline |
Tools like LINE Pay, JKOPAY, and AFTEE are managed by PAYUNi but are not guaranteed to be enabled during the initial application. If you wish to offer these methods, please follow the application and review process displayed in your PAYUNi account.
How Are Fees Calculated?
PAYUNi charges processing fees based on the payment method, and Kanorio charges platform fees based on your website plan. These are separate fees.
The following are the default rates when applying through Kanorio's reseller channel. Actual rates are subject to your approval results and contract. You can also view the complete fee details for your account under "Store -> Payment Gateway" in the backend.
Payment Tools Enabled with Initial Application
| Payment Method | Rate |
|---|---|
| Domestic Credit Card | 2.2% |
| International Credit Card | 3.5% |
| UnionPay | 2.2% |
| Apple Pay / Google Pay / Samsung Pay | Same as Domestic Credit Card (2.2%) |
| 3-Installment | 2.4% |
| 6-Installment | 3.3% |
| 9-Installment | 3.8% |
| ATM Transfer | 1% (Max NT$15) |
| Convenience Store Payment Code | Fixed NT$25 per transaction |
Payment Tools Requiring Separate Application
| Payment Method | Rate |
|---|---|
| 12-Installment | 6.0% |
| 18-Installment | 8.5% |
| 24-Installment | 10.5% |
| 30-Installment | 12.5% |
| AFTEE Buy Now, Pay Later | 2.5% |
PAYUNi will disburse transaction funds to you according to its rules. Kanorio's platform fees are settled monthly. If your effective platform fee rate is greater than 0, Kanorio will require you to set up a credit card for monthly deductions. For detailed calculations, please read: Fees and Exchange Rates.
Frequently Asked Questions
No. Kanorio uses a reseller model to establish partnerships and handle integrations. Please do not provide PAYUNi's Hash Key, Hash IV, or any other sensitive keys to customer support or paste them into your website content.
PAYUNi is currently provided based on Kanorio's public release status. If the button has not appeared, it means your account cannot currently submit an application through Kanorio.
Kanorio's PAYUNi checkout currently only supports New Taiwan Dollars. If you need to set product prices in other currencies, please consider the suitability of Stripe Connect.
Please first check the reasons provided in the notification. Common issues include incomplete website information, inconsistent contact details, or unclear product descriptions. After providing the missing information, resubmit your application as instructed in the backend. The final approval decision rests with PAYUNi.
Not necessarily. If PAYUNi has approved your LINE Pay payment tool, buyers can select it on the PAYUNi payment page and usually do not need to enable it separately. If you only want to accept LINE Pay and not use the unified payment gateway, you can refer to Accept Payments with LINE Pay.