"Express Pass" represents the contactless payment products and applications of UnionPay, which has the characteristics of small amount and fast payment. Users buy goods or services, confirm the corresponding amount, and use financial IC cards or UnionPay mobile payment products with the function of "flash payment" to quickly complete the payment with one click on the contactless payment terminal that supports UnionPay "flash payment". Generally speaking, the single amount does not exceed 1000 yuan, and no password and signature are required. At present, non-contact "flash payment" terminals in various places mainly cover daily small fast payment merchants, including supermarkets, convenience stores, department stores, pharmacies, fast food chains and other retail places and public service fields such as vegetable markets, parking lots, gas stations and tourist attractions, which are very convenient.
First of all, you need to apply for a credit card with flash payment function in all banks. Express passes are generally in the upper right corner of the card.
Secondly, if you want to pay by flash payment, you must first deposit the account amount into a virtual e-wallet. The channels of deposit are: going to the bank counter, looking for a self-service deposit machine, and paying small deposits with UnionPay at home.
Then in businesses that support the flash payment function, such as some fast food restaurants, you can use flash payment, that is, you can directly input the consumption amount through the merchant without swiping the card and deduct the balance in the e-wallet. There is no need to enter passwords, signatures and other traditional methods.