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Mobile Payments

UPCX mobile payment supports both push and pull transactions, therefore allowing payments to be made by scanning the recipient’s (=payee’s) QR code with a smartphone camera like traditional mobile payment services, as well as by presenting one’s own QR code to the receiver (payee) when making a payment.

“Push” and “Pull” transactions

Generally, there are two types of payment processes: push type and pull type. Push and pull payments are the primary methods of transferring money between parties.

Push transactions

In a push payment process, the payer initiates the transaction and actively sends money to the payee. Payers have complete control over their payments and can decide when, how much, and to whom to send the money to. In UPCX, the term push transaction refers to the process of sending or transferring assets from one party to another. In a push transaction, the sender initiates the transfer and "pushes" the asset to the recipient's UPCX address.

Pull transactions

In a pull payment process, the recipient requests payment from the payer's account. The payer authorizes the recipient to "pull" funds, therefore initiating the transaction to the recipient. In UPCX, a pull transaction is initiated by the payee (receiver), who sends a request to transfer an asset to the payer's account or smart contract.


UPCX supports both “push” and “pull” transactions using smart contracts.

Assuming the payer authorizes the transaction, UPCX’s pull payment process allows recipients (payees) to send assets from the payer’s account to their own account instead of the payer sending assets to the recipient (payee).