MuRong UNIPAY
Through openness and innovation, MuRong IDO provides integrated payment services for banks and financial institutions, caters to the needs of diverse business scenarios, and enables ecological expansion.
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MuRong UNIPAY
Through openness and innovation, MuRong IDO provides integrated payment services for banks and financial institutions, caters to the needs of diverse business scenarios, and enables ecological expansion.
ccb-details
MuRong UNIPAY is a versatile, open, and omni-channel payment product suite
MuRong UNIPAY provides a comprehensive payments solution. It enables rapid deployment and launch through preconfigured interfaces and plugins, while leveraging its omnichannel payment capabilities and product innovation to drive business growth, optimize operational costs, and enhance user experience. Informed by long-term market insights, UNIPAY is particularly well suited to provide banks, operators, and microfinance institutions with digital payment infrastructure and to meet the rapidly changing needs of business innovation.
MuRong UNIPAY offers a powerful product suite covering Mobile Money System, Merchant Acquiring System, ATM Acquiring System, and Card Management System, which fully meets customers' standardized and personalized needs. Built on an advanced distributed microservices architecture, MuRong UNIPAY supports flexible cloud-based deployment. It not only features high scalability to accommodate business growth but also supports agile development to respond quickly to market changes and innovation needs, providing technical assurance for long-term stable operations.
MuRong UNIPAY is a versatile, open, and omni-channel payment product suite
MuRong UNIPAY provides a comprehensive payments solution. It enables rapid deployment and launch through preconfigured interfaces and plugins, while leveraging its omnichannel payment capabilities and product innovation to drive business growth, optimize operational costs, and enhance user experience. Informed by long-term market insights, UNIPAY is particularly well suited to provide banks, operators, and microfinance institutions with digital payment infrastructure and to meet the rapidly changing needs of business innovation.
MuRong UNIPAY offers a powerful product suite covering Mobile Money System, Merchant Acquiring System, ATM Acquiring System, and Card Management System, which fully meets customers' standardized and personalized needs. Built on an advanced distributed microservices architecture, MuRong UNIPAY supports flexible cloud-based deployment. It not only features high scalability to accommodate business growth but also supports agile development to respond quickly to market changes and innovation needs, providing technical assurance for long-term stable operations.
Omni-channel
Supports multiple channels such as POS terminals, mobile devices, online platforms, and ATMs.
Aggregated Payment Methods
Supports QR codes, mobile wallets, and other mainstream digital payment methods.
Extensive Clearing Network & Payment Account Support
Built-in support for all major card schemes, domestic and international payment networks, and core banking systems.
Open Ecosystem
A standardized and open platform that enables rapid integration with ecosystem partners across various industries.
Flexible & Efficient Clearing Services
Offers diversified settlement methods, supporting automatic post-reconciliation settlement and report generation.
Regulatory compliance
Adheres to financial service regulatory standards, including Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements.
Automated Operations
Supports automated operations to boost operational efficiency and effectively reduce operational costs.
Rapid Time-to-Market
Reduces dependence on traditional infrastructure, enabling quick establishment of highly available payment systems.
Reduce cost of ownership
Allows flexible selection and customization of products based on banks' actual business needs, avoiding redundant investments.
MuRong UNIPAY Suite Composition
MuRong UNIPAY provides one-stop, flexibly combinable modular payment products. Customers can freely select and customize relevant functional modules according to their own business requirements, accelerating digital business innovation and enhancing market competitiveness.
Murong UNIPAY@ Mobile Money System
Empowers commercial banks, telecom operators, and microfinance institutions to provide users with comprehensive, real-time, convenient, secure, and personalized mobile financial services.
Explore Mobile Money System
Murong UNIPAY@ Merchant Acquiring System
A modern integrated acquiring system that integrates online and offline ecosystems. It features high scalability and agile development capabilities, enabling rapid responses to market changes and business innovation.
Explore Merchant Acquiring System
Murong UNIPAY@ ATM Acquiring System
Enables rapid access to self-service devices from multiple manufacturers, supporting cardless innovative services such as visual interface guidance, mobile appointment, and QR code cash withdrawal, delivering a brand-new intelligent terminal experience to customers.
Explore ATM Acquiring System
Murong UNIPAY@ Card Management System
Provides secure, standardized, end-to-end card-issuing services for banks and other card issuers, covering debit cards, credit cards, prepaid cards, virtual cards, and other card types.
Explore Card Management System
MuRong UNIPAY Suite Composition
MuRong UNIPAY provides one-stop, flexibly combinable modular payment products. Customers can freely select and customize relevant functional modules according to their own business requirements, accelerating digital business innovation and enhancing market competitiveness.
Murong UNIPAY@ Mobile Money System
Empowers commercial banks, telecom operators, and microfinance institutions to provide users with comprehensive, real-time, convenient, secure, and personalized mobile financial services.
Explore Mobile Money System
Murong UNIPAY@ Merchant Acquiring System
A modern integrated acquiring system that integrates online and offline ecosystems. It features high scalability and agile development capabilities, enabling rapid responses to market changes and business innovation.
Explore Merchant Acquiring System
Murong UNIPAY@ ATM Acquiring System
Enables rapid access to self-service devices from multiple manufacturers, supporting cardless innovative services such as visual interface guidance, mobile appointment, and QR code cash withdrawal, delivering a brand-new intelligent terminal experience to customers.
Explore ATM Acquiring System
Murong UNIPAY@ Card Management System
Provides secure, standardized, end-to-end card-issuing services for banks and other card issuers, covering debit cards, credit cards, prepaid cards, virtual cards, and other card types.
Explore Card Management System
Real Results
As one of China’s five major commercial banks, Bank of Communications has achieved a comprehensive upgrade of multiple payment systems through MuRong Technology’s MuRong UNIPAY product suite, significantly enhancing its integrated payment processing capabilities. In merchant acquiring, the system has successfully connected and now manages 600,000 POS terminals, with daily transactions exceeding 18 million. In ATM operations, it has achieved standardized management of more than 30,000 devices nationwide, processing an average of more than 1 million transactions per day, thereby expanding service coverage, improving operational efficiency, and strengthening terminal management capabilities.
As a leading digital service provider for merchants in China, Lakala has comprehensively enhanced its omnichannel payment business through adoption of the MuRong UNIPAY product suite. In 2024, its total annual payment transaction volume reached RMB 4.22 trillion, including RMB 1.36 trillion in QR code transactions, RMB 2.86 trillion in bank card transactions, RMB 49.2 billion in cross-border payment transactions, and a 4.4-fold year-on-year increase in foreign card transaction volume, covering 285 cities across China. With stable and efficient technical support, MuRong UNIPAY continues to empower Lakala to achieve large-scale business growth.
As a well-known payment service provider in Canada, Snappay has upgraded its payment system in North America by adopting MuRong Technology’s MuRong UNIPAY product suite, significantly enhancing its multichannel payment processing capabilities. It now covers POS terminals, mobile devices, and online channels, and supports mainstream digital payment methods such as QR codes and mobile wallets. Meanwhile, the system strictly complies with Canadian financial regulatory requirements and has further strengthened risk control capabilities, now serving as the core system supporting Snappay’s sustained business growth.
As one of China’s three major telecom operators, China Telecom has established in-depth cooperation with MuRong Technology, which provides comprehensive technical support for its "Sweet Orange Finance" and "Bestpay" services. Leveraging the robust technical architecture and business capabilities of MuRong UNIPAY to develop its digital payment business, China Telecom has successfully expanded its business scope. By the end of 2024, it had over 300 million registered users, more than 50 million monthly active users (MAU), and a total transaction volume exceeding RMB 2 trillion.
A global leader in digital payment terminal sales and ranked among the top three in China by payment transaction scale, Newland has built an efficient and secure distributed digital payment system based on MuRong Technology’s MuRong UNIPAY, enhancing its global service capabilities. By the end of 2024, its digital payment business had covered more than 130 countries and regions worldwide, with an annual total transaction volume exceeding RMB 2 trillion. The system’s processing capacity had been upgraded to 80 million daily transactions, supporting concurrency of 10,000 transactions per second.
Based on MuRong UNIPAY, Bank of China Macau Branch has launched Macau’s first and currently largest aggregated payment platform. The platform integrates diverse payment methods, enhances security and convenience, and leads the development of mobile payments in Macau. By the end of 2024, the total volume of mobile payment transactions in Macau reached 350 million, a 17 percent increase from 300 million in 2023, indicating a sustained positive trend. Bank of China Macau Branch contributed the majority of these transactions, and MuRong UNIPAY provided solid support for the platform, fully validating the significant commercial value of the "All in One" aggregated payment product.
As Kenya’s third-largest bank, NCBA is a leader in Africa’s digital banking sector, with 68 million customers and the strongest profitability. Through in-depth cooperation with MuRong Technology, NCBA has not only obtained a core digital banking system but also implemented a new generation digital payment system based on MuRong UNIPAY. This has enabled NCBA to achieve comprehensive upgrades and expansion in digital business, maintaining its competitive edge in the market. Since its launch in 2021, NCBA’s business scale has continued to grow at an average annual rate of 20 to 30 percent, and it has advanced digital business innovation and inclusive finance in six countries: Kenya, Tanzania, Uganda, Rwanda, Ghana, and Côte d’Ivoire.
Real Results
As one of China’s five major commercial banks, Bank of Communications has achieved a comprehensive upgrade of multiple payment systems through MuRong Technology’s MuRong UNIPAY product suite, significantly enhancing its integrated payment processing capabilities. In merchant acquiring, the system has successfully connected and now manages 600,000 POS terminals, with daily transactions exceeding 18 million. In ATM operations, it has achieved standardized management of more than 30,000 devices nationwide, processing an average of more than 1 million transactions per day, thereby expanding service coverage, improving operational efficiency, and strengthening terminal management capabilities.
As a leading digital service provider for merchants in China, Lakala has comprehensively enhanced its omnichannel payment business through adoption of the MuRong UNIPAY product suite. In 2024, its total annual payment transaction volume reached RMB 4.22 trillion, including RMB 1.36 trillion in QR code transactions, RMB 2.86 trillion in bank card transactions, RMB 49.2 billion in cross-border payment transactions, and a 4.4-fold year-on-year increase in foreign card transaction volume, covering 285 cities across China. With stable and efficient technical support, MuRong UNIPAY continues to empower Lakala to achieve large-scale business growth.
As a well-known payment service provider in Canada, Snappay has upgraded its payment system in North America by adopting MuRong Technology’s MuRong UNIPAY product suite, significantly enhancing its multichannel payment processing capabilities. It now covers POS terminals, mobile devices, and online channels, and supports mainstream digital payment methods such as QR codes and mobile wallets. Meanwhile, the system strictly complies with Canadian financial regulatory requirements and has further strengthened risk control capabilities, now serving as the core system supporting Snappay’s sustained business growth.
As one of China’s three major telecom operators, China Telecom has established in-depth cooperation with MuRong Technology, which provides comprehensive technical support for its "Sweet Orange Finance" and "Bestpay" services. Leveraging the robust technical architecture and business capabilities of MuRong UNIPAY to develop its digital payment business, China Telecom has successfully expanded its business scope. By the end of 2024, it had over 300 million registered users, more than 50 million monthly active users (MAU), and a total transaction volume exceeding RMB 2 trillion.
A global leader in digital payment terminal sales and ranked among the top three in China by payment transaction scale, Newland has built an efficient and secure distributed digital payment system based on MuRong Technology’s MuRong UNIPAY, enhancing its global service capabilities. By the end of 2024, its digital payment business had covered more than 130 countries and regions worldwide, with an annual total transaction volume exceeding RMB 2 trillion. The system’s processing capacity had been upgraded to 80 million daily transactions, supporting concurrency of 10,000 transactions per second.
Based on MuRong UNIPAY, Bank of China Macau Branch has launched Macau’s first and currently largest aggregated payment platform. The platform integrates diverse payment methods, enhances security and convenience, and leads the development of mobile payments in Macau. By the end of 2024, the total volume of mobile payment transactions in Macau reached 350 million, a 17 percent increase from 300 million in 2023, indicating a sustained positive trend. Bank of China Macau Branch contributed the majority of these transactions, and MuRong UNIPAY provided solid support for the platform, fully validating the significant commercial value of the "All in One" aggregated payment product.
As Kenya’s third-largest bank, NCBA is a leader in Africa’s digital banking sector, with 68 million customers and the strongest profitability. Through in-depth cooperation with MuRong Technology, NCBA has not only obtained a core digital banking system but also implemented a new generation digital payment system based on MuRong UNIPAY. This has enabled NCBA to achieve comprehensive upgrades and expansion in digital business, maintaining its competitive edge in the market. Since its launch in 2021, NCBA’s business scale has continued to grow at an average annual rate of 20 to 30 percent, and it has advanced digital business innovation and inclusive finance in six countries: Kenya, Tanzania, Uganda, Rwanda, Ghana, and Côte d’Ivoire.
“As our technology partner, the implementation team of Murong Technology has demonstrated exceptional professional competence and dedication when faced with complex business scenarios and tight project schedules, successfully ensuring the on-schedule go-live of all projects. Looking ahead, we look forward to strengthening cooperation with Murong Technology to jointly explore digital innovation and lead the future of the industry. ”

—Financial Technology Department of Bank of Communications
“As our technology partner, the implementation team of Murong Technology has demonstrated exceptional professional competence and dedication when faced with complex business scenarios and tight project schedules, successfully ensuring the on-schedule go-live of all projects. Looking ahead, we look forward to strengthening cooperation with Murong Technology to jointly explore digital innovation and lead the future of the industry. ”

—Financial Technology Department of Bank of Communications
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