大陸銀聯（UnionPay）、VISA和MasterCard是全球三大主要的支付系統，它們在功能、覆蓋範圍、交易安全性等方面有一些相似之處，但也有顯著的差異。

銀聯主要在中國境內廣泛使用，但也逐漸擴展至全球市場，尤其是在亞洲和歐洲的一些國家。銀聯卡在中國大陸的接受度極高，並且在一些特定的國際市場中也能使用，但其全球覆蓋範圍相對VISA和MasterCard而言仍有限。

VISA是全球最大的信用卡支付公司，主要客戶在美國及亞洲。在超過200個國家和地區都有廣泛的覆蓋。無論是在發達國家還是發展中國家，VISA卡幾乎無處不在，適用於各種支付場合，包括線上和線下交易。

MasterCard與VISA類似，也是全球性的支付網絡，是全球第二大的信用卡公司。覆蓋超過210個國家和地區。MasterCard的接受度和VISA相當，在全球範圍內幾乎所有商戶都接受這兩種卡片。

銀聯卡通常以人民幣作為主要結算貨幣，但在國際交易中也可以進行多幣種結算。銀聯卡在海外使用時，通常會自動將交易金額轉換為人民幣，並按照帳單當日匯率結算。

VISA卡支持多幣種交易，持卡人可以在全球範圍內使用不同的貨幣進行支付，並且VISA會自動將交易貨幣轉換為持卡人的本地貨幣，這樣的轉換通常會收取一定的外匯手續費，並以當日匯率結算。

MasterCard同樣支持多幣種交易，與VISA類似，MasterCard會將國際交易金額轉換為持卡人的本地貨幣，也會收取外匯手續費，同樣依照當日匯率結算。

銀聯卡採用多種安全措施來保護交易，包括芯片卡技術、雙重驗證以及動態驗證碼等。銀聯還推出“無卡支付”功能，用手機就能付款，增加該系統的便利性和安全性。

VISA擁有強大的交易安全系統，包括VISA Secure（原稱為Verified by VISA）的雙重驗證系統，防止網上欺詐。VISA還使用芯片卡技術和其他高級加密技術來保護用戶信息和交易。

MasterCard的交易安全系統同樣先進，使用MasterCard SecureCode進行網上交易驗證。此外，MasterCard還使用EMV芯片技術和多層次的加密技術來保護交易安全，減少欺詐風險。

銀聯卡的國際交易手續費相對較低，並且在中國境內通常沒有交易手續費。銀聯還提供一些優惠和折扣，尤其是在亞洲地區的合作商戶。

VISA卡的交易手續費因地區和銀行而異，通常包括外匯手續費和國際交易費。VISA還會根據不同的卡類型（如白金卡、金卡等）提供不同的服務和費率。

MasterCard的收費結構與VISA相似，通常會包括外匯手續費和國際交易費。不同的MasterCard卡類型也會提供不同的費率和增值服務。

總結來說，這三種支付網絡在全球範圍內都有廣泛的接受度和覆蓋範圍，但在具體的服務和手續費方面存在一些差異。選擇哪種支付卡，通常取決於持卡人的具體需求、使用地點和對服務的偏好。

UnionPay, VISA, and MasterCard are the three major global payment systems. They share similarities in functions, coverage, and transaction security, but also have notable differences.

UnionPay is widely used within China but is gradually expanding into the global market, especially in some Asian and European countries. UnionPay cards have a high acceptance rate in mainland China and can be used in specific international markets, though their global coverage is still limited compared to VISA and MasterCard.

VISA is the world's largest credit card payment company, with its main customers in the United States and Asia. It has a broad coverage in over 200 countries and regions. VISA cards are almost ubiquitous in both developed and developing countries, suitable for various payment scenarios, including online and offline transactions.

MasterCard, similar to VISA, is also a global payment network and is the second-largest credit card company worldwide, covering over 210 countries and regions. The acceptance rate of MasterCard is comparable to VISA, and nearly all merchants worldwide accept both types of cards.

UnionPay cards typically use the Chinese yuan (RMB) as the primary settlement currency, but they can also handle multi-currency settlements for international transactions. When used abroad, UnionPay transactions are usually automatically converted to RMB and settled at the exchange rate of the billing day.

VISA cards support multi-currency transactions, allowing cardholders to make payments in different currencies worldwide. VISA automatically converts the transaction currency to the cardholder's local currency, typically charging a foreign exchange fee and settling at the exchange rate of the day.

MasterCard also supports multi-currency transactions and works similarly to VISA. It converts international transaction amounts to the cardholder's local currency, charges a foreign exchange fee, and settles at the exchange rate of the day.

UnionPay employs various security measures to protect transactions, including chip card technology, dual verification, and dynamic verification codes. UnionPay also offers a "cardless payment" feature, enabling payments via mobile phones, which enhances both convenience and security.

VISA boasts a robust transaction security system, including VISA Secure (formerly Verified by VISA) for dual verification to prevent online fraud. VISA also uses chip card technology and advanced encryption techniques to protect user information and transactions.

MasterCard's transaction security system is equally advanced, utilizing MasterCard SecureCode for online transaction verification. Additionally, MasterCard employs EMV chip technology and multi-layer encryption techniques to ensure transaction security and reduce fraud risk.

UnionPay's international transaction fees are relatively low, and there are typically no transaction fees within China. UnionPay also offers various discounts and benefits, especially with partner merchants in Asia.

VISA's transaction fees vary by region and bank, generally including foreign exchange fees and international transaction fees. VISA provides different services and fee structures depending on the card type (e.g., Platinum, Gold).

MasterCard's fee structure is similar to VISA, typically comprising foreign exchange fees and international transaction fees. Different types of MasterCard also offer varying fee rates and value-added services.

In summary, these three payment networks have broad acceptance and coverage worldwide, but they differ in specific services and fee structures. The choice of payment card usually depends on the cardholder's specific needs, usage locations, and service preferences.

照片:DALLE3