1 Report Overview 1.1 Study Scope 1.2 Market Analysis by Type 1.2.1 Global M-Commerce Payments Market Size Growth Rate by Type: 2016 VS 2021 VS 2027 1.2.2 Cards 1.2.3 E-wallets 1.2.4 Other 1.3 Market by Application 1.3.1 Global M-Commerce Payments Market Share by Application: 2016 VS 2021 VS 2027 1.3.2 Retail 1.3.3 IT and Telecommunication 1.3.4 Media and Entertainment 1.3.5 BFSI 1.3.6 Healthcare 1.3.7 Tourism and Hospitality 1.3.8 Other 1.4 Study Objectives 1.5 Years Considered 2 Global Growth Trends 2.1 Global M-Commerce Payments Market Perspective (2016-2027) 2.2 M-Commerce Payments Growth Trends by Regions 2.2.1 M-Commerce Payments Market Size by Regions: 2016 VS 2021 VS 2027 2.2.2 M-Commerce Payments Historic Market Share by Regions (2016-2021) 2.2.3 M-Commerce Payments Forecasted Market Size by Regions (2022-2027) 2.3 M-Commerce Payments Industry Dynamic 2.3.1 M-Commerce Payments Market Trends 2.3.2 M-Commerce Payments Market Drivers 2.3.3 M-Commerce Payments Market Challenges 2.3.4 M-Commerce Payments Market Restraints 3 Competition Landscape by Key Players 3.1 Global Top M-Commerce Payments Players by Revenue 3.1.1 Global Top M-Commerce Payments Players by Revenue (2016-2021) 3.1.2 Global M-Commerce Payments Revenue Market Share by Players (2016-2021) 3.2 Global M-Commerce Payments Market Share by Company Type (Tier 1, Tier 2 and Tier 3) 3.3 Players Covered: Ranking by M-Commerce Payments Revenue 3.4 Global M-Commerce Payments Market Concentration Ratio 3.4.1 Global M-Commerce Payments Market Concentration Ratio (CR5 and HHI) 3.4.2 Global Top 10 and Top 5 Companies by M-Commerce Payments Revenue in 2020 3.5 M-Commerce Payments Key Players Head office and Area Served 3.6 Key Players M-Commerce Payments Product Solution and Service 3.7 Date of Enter into M-Commerce Payments Market 3.8 Mergers & Acquisitions, Expansion Plans 4 M-Commerce Payments Breakdown Data by Type 4.1 Global M-Commerce Payments Historic Market Size by Type (2016-2021) 4.2 Global M-Commerce Payments Forecasted Market Size by Type (2022-2027) 5 M-Commerce Payments Breakdown Data by Application 5.1 Global M-Commerce Payments Historic Market Size by Application (2016-2021) 5.2 Global M-Commerce Payments Forecasted Market Size by Application (2022-2027) 6 North America 6.1 North America M-Commerce Payments Market Size (2016-2027) 6.2 North America M-Commerce Payments Market Size by Type 6.2.1 North America M-Commerce Payments Market Size by Type (2016-2021) 6.2.2 North America M-Commerce Payments Market Size by Type (2022-2027) 6.2.3 North America M-Commerce Payments Market Size by Type (2016-2027) 6.3 North America M-Commerce Payments Market Size by Application 6.3.1 North America M-Commerce Payments Market Size by Application (2016-2021) 6.3.2 North America M-Commerce Payments Market Size by Application (2022-2027) 6.3.3 North America M-Commerce Payments Market Size by Application (2016-2027) 6.4 North America M-Commerce Payments Market Size by Country 6.4.1 North America M-Commerce Payments Market Size by Country (2016-2021) 6.4.2 North America M-Commerce Payments Market Size by Country (2022-2027) 6.4.3 United States 6.4.4 Canada 7 Europe 7.1 Europe M-Commerce Payments Market Size (2016-2027) 7.2 Europe M-Commerce Payments Market Size by Type 7.2.1 Europe M-Commerce Payments Market Size by Type (2016-2021) 7.2.2 Europe M-Commerce Payments Market Size by Type (2022-2027) 7.2.3 Europe M-Commerce Payments Market Size by Type (2016-2027) 7.3 Europe M-Commerce Payments Market Size by Application 7.3.1 Europe M-Commerce Payments Market Size by Application (2016-2021) 7.3.2 Europe M-Commerce Payments Market Size by Application (2022-2027) 7.3.3 Europe M-Commerce Payments Market Size by Application (2016-2027) 7.4 Europe M-Commerce Payments Market Size by Country 7.4.1 Europe M-Commerce Payments Market Size by Country (2016-2021) 7.4.2 Europe M-Commerce Payments Market Size by Country (2022-2027) 7.4.3 Germany 7.4.4 France 7.4.5 U.K. 7.4.6 Italy 7.4.7 Russia 7.4.8 Nordic 8 Asia-Pacific 8.1 Asia-Pacific M-Commerce Payments Market Size (2016-2027) 8.2 Asia-Pacific M-Commerce Payments Market Size by Type 8.2.1 Asia-Pacific M-Commerce Payments Market Size by Type (2016-2021) 8.2.2 Asia-Pacific M-Commerce Payments Market Size by Type (2022-2027) 8.2.3 Asia-Pacific M-Commerce Payments Market Size by Type (2016-2027) 8.3 Asia-Pacific M-Commerce Payments Market Size by Application 8.3.1 Asia-Pacific M-Commerce Payments Market Size by Application (2016-2021) 8.3.2 Asia-Pacific M-Commerce Payments Market Size by Application (2022-2027) 8.3.3 Asia-Pacific M-Commerce Payments Market Size by Application (2016-2027) 8.4 Asia-Pacific M-Commerce Payments Market Size by Region 8.4.1 Asia-Pacific M-Commerce Payments Market Size by Region (2016-2021) 8.4.2 Asia-Pacific M-Commerce Payments Market Size by Region (2022-2027) 8.4.3 China 8.4.4 Japan 8.4.5 South Korea 8.4.6 Southeast Asia 8.4.7 India 8.4.8 Australia 9 Latin America 9.1 Latin America M-Commerce Payments Market Size (2016-2027) 9.2 Latin America M-Commerce Payments Market Size by Type 9.2.1 Latin America M-Commerce Payments Market Size by Type (2016-2021) 9.2.2 Latin America M-Commerce Payments Market Size by Type (2022-2027) 9.2.3 Latin America M-Commerce Payments Market Size by Type (2016-2027) 9.3 Latin America M-Commerce Payments Market Size by Application 9.3.1 Latin America M-Commerce Payments Market Size by Application (2016-2021) 9.3.2 Latin America M-Commerce Payments Market Size by Application (2022-2027) 9.3.3 Latin America M-Commerce Payments Market Size by Application (2016-2027) 9.4 Latin America M-Commerce Payments Market Size by Country 9.4.1 Latin America M-Commerce Payments Market Size by Country (2016-2021) 9.4.2 Latin America M-Commerce Payments Market Size by Country (2022-2027) 9.4.3 Mexico 9.4.4 Brazil 10 Middle East & Africa 10.1 Middle East & Africa M-Commerce Payments Market Size (2016-2027) 10.2 Middle East & Africa M-Commerce Payments Market Size by Type 10.2.1 Middle East & Africa M-Commerce Payments Market Size by Type (2016-2021) 10.2.2 Middle East & Africa M-Commerce Payments Market Size by Type (2022-2027) 10.2.3 Middle East & Africa M-Commerce Payments Market Size by Type (2016-2027) 10.3 Middle East & Africa M-Commerce Payments Market Size by Application 10.3.1 Middle East & Africa M-Commerce Payments Market Size by Application (2016-2021) 10.3.2 Middle East & Africa M-Commerce Payments Market Size by Application (2022-2027) 10.3.3 Middle East & Africa M-Commerce Payments Market Size by Application (2016-2027) 10.4 Middle East & Africa M-Commerce Payments Market Size by Country 10.4.1 Middle East & Africa M-Commerce Payments Market Size by Country (2016-2021) 10.4.2 Middle East & Africa M-Commerce Payments Market Size by Country (2022-2027) 10.4.3 Turkey 10.4.4 Saudi Arabia 10.4.5 UAE 11 Key Players Profiles 11.1 Alipay 11.1.1 Alipay Company Details 11.1.2 Alipay Business Overview 11.1.3 Alipay M-Commerce Payments Introduction 11.1.4 Alipay Revenue in M-Commerce Payments Business (2016-2021) 11.1.5 Alipay Recent Development 11.2 Tenpay 11.2.1 Tenpay Company Details 11.2.2 Tenpay Business Overview 11.2.3 Tenpay M-Commerce Payments Introduction 11.2.4 Tenpay Revenue in M-Commerce Payments Business (2016-2021) 11.2.5 Tenpay Recent Development 11.3 PayPal 11.3.1 PayPal Company Details 11.3.2 PayPal Business Overview 11.3.3 PayPal M-Commerce Payments Introduction 11.3.4 PayPal Revenue in M-Commerce Payments Business (2016-2021) 11.3.5 PayPal Recent Development 11.4 Visa 11.4.1 Visa Company Details 11.4.2 Visa Business Overview 11.4.3 Visa M-Commerce Payments Introduction 11.4.4 Visa Revenue in M-Commerce Payments Business (2016-2021) 11.4.5 Visa Recent Development 11.5 MasterCard 11.5.1 MasterCard Company Details 11.5.2 MasterCard Business Overview 11.5.3 MasterCard M-Commerce Payments Introduction 11.5.4 MasterCard Revenue in M-Commerce Payments Business (2016-2021) 11.5.5 MasterCard Recent Development 11.6 China UnionPay 11.6.1 China UnionPay Company Details 11.6.2 China UnionPay Business Overview 11.6.3 China UnionPay M-Commerce Payments Introduction 11.6.4 China UnionPay Revenue in M-Commerce Payments Business (2016-2021) 11.6.5 China UnionPay Recent Development 11.7 American Express 11.7.1 American Express Company Details 11.7.2 American Express Business Overview 11.7.3 American Express M-Commerce Payments Introduction 11.7.4 American Express Revenue in M-Commerce Payments Business (2016-2021) 11.7.5 American Express Recent Development 11.8 JCB 11.8.1 JCB Company Details 11.8.2 JCB Business Overview 11.8.3 JCB M-Commerce Payments Introduction 11.8.4 JCB Revenue in M-Commerce Payments Business (2016-2021) 11.8.5 JCB Recent Development 11.9 Discover 11.9.1 Discover Company Details 11.9.2 Discover Business Overview 11.9.3 Discover M-Commerce Payments Introduction 11.9.4 Discover Revenue in M-Commerce Payments Business (2016-2021) 11.9.5 Discover Recent Development 12 Analyst's Viewpoints/Conclusions 13 Appendix 13.1 Research Methodology 13.1.1 Methodology/Research Approach 13.1.2 Data Source 13.2 Disclaimer 13.3 Author Details

List of Tables Table 1. Global M-Commerce Payments Market Size Growth Rate by Type (US$ Million):2016 VS 2021 VS 2027 Table 2. Key Players of Cards Table 3. Key Players of E-wallets Table 4. Key Players of Other Table 5. Global M-Commerce Payments Market Size Growth by Application (US$ Million): 2016 VS 2021 VS 2027 Table 6. Global M-Commerce Payments Market Size by Regions (US$ Million): 2016 VS 2021 VS 2027 Table 7. Global M-Commerce Payments Market Size by Regions (2016-2021) & (US$ Million) Table 8. Global M-Commerce Payments Market Share by Regions (2016-2021) Table 9. Global M-Commerce Payments Forecasted Market Size by Regions (2022-2027) & (US$ Million) Table 10. Global M-Commerce Payments Market Share by Regions (2022-2027) Table 11. M-Commerce Payments Market Trends Table 12. M-Commerce Payments Market Drivers Table 13. M-Commerce Payments Market Challenges Table 14. M-Commerce Payments Market Restraints Table 15. Global M-Commerce Payments Revenue by Players (2016-2021) & (US$ Million) Table 16. Global M-Commerce Payments Market Share by Players (2016-2021) Table 17. Global Top M-Commerce Payments Players by Company Type (Tier 1, Tier 2 and Tier 3) (based on the Revenue in M-Commerce Payments as of 2020) Table 18. Ranking of Global Top M-Commerce Payments Companies by Revenue (US$ Million) in 2020 Table 19. Global 5 Largest Players Market Share by M-Commerce Payments Revenue (CR5 and HHI) & (2016-2021) Table 20. Key Players Headquarters and Area Served Table 21. Key Players M-Commerce Payments Product Solution and Service Table 22. Date of Enter into M-Commerce Payments Market Table 23. Mergers & Acquisitions, Expansion Plans Table 24. Global M-Commerce Payments Market Size by Type (2016-2021) (US$ Million) Table 25. Global M-Commerce Payments Revenue Market Share by Type (2016-2021) Table 26. Global M-Commerce Payments Forecasted Market Size by Type (2022-2027) (US$ Million) Table 27. Global M-Commerce Payments Revenue Market Share by Type (2022-2027) & (US$ Million) Table 28. Global M-Commerce Payments Market Size Share by Application (2016-2021) & (US$ Million) Table 29. Global M-Commerce Payments Revenue Market Share by Application (2016-2021) Table 30. Global M-Commerce Payments Forecasted Market Size by Application (2022-2027) (US$ Million) Table 31. Global M-Commerce Payments Revenue Market Share by Application (2022-2027) & (US$ Million) Table 32. North America M-Commerce Payments Market Size by Type (2016-2021) (US$ Million) Table 33. North America M-Commerce Payments Market Size by Type (2022-2027) & (US$ Million) Table 34. North America M-Commerce Payments Market Size by Application (2016-2021) (US$ Million) Table 35. North America M-Commerce Payments Market Size by Application (2022-2027) & (US$ Million) Table 36. North America M-Commerce Payments Market Size by Country (2016-2021) & (US$ Million) Table 37. North America M-Commerce Payments Market Size by Country (2022-2027) & (US$ Million) Table 38. Europe M-Commerce Payments Market Size by Type (2016-2021) (US$ Million) Table 39. Europe M-Commerce Payments Market Size by Type (2022-2027) & (US$ Million) Table 40. Europe M-Commerce Payments Market Size by Application (2016-2021) (US$ Million) Table 41. Europe M-Commerce Payments Market Size by Application (2022-2027) & (US$ Million) Table 42. Europe M-Commerce Payments Market Size by Country (2016-2021) & (US$ Million) Table 43. Europe M-Commerce Payments Market Size by Country (2022-2027) & (US$ Million) Table 44. Asia-Pacific M-Commerce Payments Market Size by Type (2016-2021) (US$ Million) Table 45. Asia-Pacific M-Commerce Payments Market Size by Type (2022-2027) & (US$ Million) Table 46. Asia-Pacific M-Commerce Payments Market Size by Application (2016-2021) (US$ Million) Table 47. Asia-Pacific M-Commerce Payments Market Size by Application (2022-2027) & (US$ Million) Table 48. Asia-Pacific M-Commerce Payments Market Size by Region (2016-2021) & (US$ Million) Table 49. Asia-Pacific M-Commerce Payments Market Size by Region (2022-2027) & (US$ Million) Table 50. Latin America M-Commerce Payments Market Size by Type (2016-2021) (US$ Million) Table 51. Latin America M-Commerce Payments Market Size by Type (2022-2027) & (US$ Million) Table 52. Latin America M-Commerce Payments Market Size by Application (2016-2021) (US$ Million) Table 53. Latin America M-Commerce Payments Market Size by Application (2022-2027) & (US$ Million) Table 54. Latin America M-Commerce Payments Market Size by Country (2016-2021) & (US$ Million) Table 55. Latin America M-Commerce Payments Market Size by Country (2022-2027) & (US$ Million) Table 56. Middle East & Africa M-Commerce Payments Market Size by Type (2016-2021) (US$ Million) Table 57. Middle East & Africa M-Commerce Payments Market Size by Type (2022-2027) & (US$ Million) Table 58. Middle East & Africa M-Commerce Payments Market Size by Application (2016-2021) (US$ Million) Table 59. Middle East & Africa M-Commerce Payments Market Size by Application (2022-2027) & (US$ Million) Table 60. Middle East & Africa M-Commerce Payments Market Size by Country (2016-2021) & (US$ Million) Table 61. Middle East & Africa M-Commerce Payments Market Size by Country (2022-2027) & (US$ Million) Table 62. Alipay Company Details Table 63. Alipay Business Overview Table 64. Alipay M-Commerce Payments Product Table 65. Alipay Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 66. Alipay Recent Development Table 67. Tenpay Company Details Table 68. Tenpay Business Overview Table 69. Tenpay M-Commerce Payments Product Table 70. Tenpay Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 71. Tenpay Recent Development Table 72. PayPal Company Details Table 73. PayPal Business Overview Table 74. PayPal M-Commerce Payments Product Table 75. PayPal Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 76. PayPal Recent Development Table 77. Visa Company Details Table 78. Visa Business Overview Table 79. Visa M-Commerce Payments Product Table 80. Visa Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 81. Visa Recent Development Table 82. MasterCard Company Details Table 83. MasterCard Business Overview Table 84. MasterCard M-Commerce Payments Product Table 85. MasterCard Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 86. MasterCard Recent Development Table 87. China UnionPay Company Details Table 88. China UnionPay Business Overview Table 89. China UnionPay M-Commerce Payments Product Table 90. China UnionPay Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 91. China UnionPay Recent Development Table 92. American Express Company Details Table 93. American Express Business Overview Table 94. American Express M-Commerce Payments Product Table 95. American Express Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 96. American Express Recent Development Table 97. JCB Company Details Table 98. JCB Business Overview Table 99. JCB Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 100. JCB Recent Development Table 101. Discover Company Details Table 102. Discover Business Overview Table 103. Discover M-Commerce Payments Product Table 104. Discover Revenue in M-Commerce Payments Business (2016-2021) & (US$ Million) Table 105. Discover Recent Development Table 106. Research Programs/Design for This Report Table 107. Key Data Information from Secondary Sources Table 108. Key Data Information from Primary Sources List of Figures Figure 1. Global M-Commerce Payments Market Share by Type: 2020 VS 2027 Figure 2. Cards Features Figure 3. E-wallets Features Figure 4. Other Features Figure 5. Global M-Commerce Payments Market Share by Application: 2020 VS 2027 Figure 6. Retail Case Studies Figure 7. IT and Telecommunication Case Studies Figure 8. Media and Entertainment Case Studies Figure 9. BFSI Case Studies Figure 10. Healthcare Case Studies Figure 11. Tourism and Hospitality Case Studies Figure 12. Other Case Studies Figure 13. M-Commerce Payments Report Years Considered Figure 14. Global M-Commerce Payments Market Size (US$ Million), Year-over-Year: 2016-2027 Figure 15. Global M-Commerce Payments Market Size (US$ Million), 2016 VS 2021 VS 2027 Figure 16. Global M-Commerce Payments Market Share by Regions: 2020 VS 2027 Figure 17. Global M-Commerce Payments Market Share by Regions (2022-2027) Figure 18. Global M-Commerce Payments Market Share by Players in 2020 Figure 19. Global Top M-Commerce Payments Players by Company Type (Tier 1, Tier 2 and Tier 3) (based on the Revenue in M-Commerce Payments as of 2020 Figure 20. The Top 10 and 5 Players Market Share by M-Commerce Payments Revenue in 2020 Figure 21. Global M-Commerce Payments Revenue Market Share by Type (2016-2021) Figure 22. Global M-Commerce Payments Revenue Market Share by Type (2022-2027) Figure 23. North America M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 24. North America M-Commerce Payments Market Share by Type (2016-2027) Figure 25. North America M-Commerce Payments Market Share by Application (2016-2027) Figure 26. North America M-Commerce Payments Market Share by Country (2016-2027) Figure 27. United States M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 28. Canada M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 29. Europe M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 30. Europe M-Commerce Payments Market Share by Type (2016-2027) Figure 31. Europe M-Commerce Payments Market Share by Application (2016-2027) Figure 32. Europe M-Commerce Payments Market Share by Country (2016-2027) Figure 33. Germany M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 34. France M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 35. U.K. M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 36. Italy M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 37. Russia M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 38. Nordic M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 39. Asia-Pacific M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 40. Asia-Pacific M-Commerce Payments Market Share by Type (2016-2027) Figure 41. Asia-Pacific M-Commerce Payments Market Share by Application (2016-2027) Figure 42. Asia-Pacific M-Commerce Payments Market Share by Region (2016-2027) Figure 43. China M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 44. Japan M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 45. South Korea M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 46. Southeast Asia M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 47. India M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 48. Australia M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 49. Latin America M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 50. Latin America M-Commerce Payments Market Share by Type (2016-2027) Figure 51. Latin America M-Commerce Payments Market Share by Application (2016-2027) Figure 52. Latin America M-Commerce Payments Market Share by Country (2016-2027) Figure 53. Mexico M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 54. Brazil M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 55. Middle East & Africa M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 56. Middle East & Africa M-Commerce Payments Market Share by Type (2016-2027) Figure 57. Middle East & Africa M-Commerce Payments Market Share by Application (2016-2027) Figure 58. Middle East & Africa M-Commerce Payments Market Share by Country (2016-2027) Figure 59. Turkey M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 60. Saudi Arabia M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 61. UAE M-Commerce Payments Market Size YoY Growth (2016-2027) & (US$ Million) Figure 62. Alipay Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 63. Tenpay Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 64. PayPal Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 65. Visa Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 66. MasterCard Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 67. China UnionPay Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 68. American Express Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 69. JCB Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 70. Discover Revenue Growth Rate in M-Commerce Payments Business (2016-2021) Figure 71. Bottom-up and Top-down Approaches for This Report Figure 72. Data Triangulation Figure 73. Key Executives Interviewed

Alipay Tenpay PayPal Visa MasterCard China UnionPay American Express JCB Discover