There are three steps to experience China UnionPay Express: 1. First, you need to have a mobile phone with near field payment (NFC) function, IOS system or Android system; Cardholders need to bind their bank cards in the bank's mobile APP to generate a China UnionPay Express Pass card, which is equivalent to the "dual card" of a physical bank card; Finally, in front of pos machines with UnionPay "flash payment" logo at the checkout counter of supermarkets and shopping malls, after the cashier inputs the payment amount, consumers only need to light up their mobile phones, gently put them near the POS machines, and then enter the password after a beep, thus completing the whole payment process. 2. "China UnionPay Express" can directly "swipe the phone" without the steps of "unlocking, lighting the screen and opening the APP"; Scan code payment needs to open WeChat and Alipay app, enable the camera and the corresponding scan code function, and complete the payment after online confirmation.