Introduction
The Alipay User-Presented Mode Payment product provides both customers and merchants a smooth payment experience.
To initiate a payment, the customer presents a payment code (generated from a payment app like an e-wallet) to the merchant for scanning. This payment flow can also work when the mobile phone for payment has a weak network connection.
As the merchant can get a clear payment result for each transaction, payment error rates can be reduced.
Benefits
The Alipay User-Presented Mode Payment product provides the following benefits to partners:
- One integration, multiple opportunities: Enables merchants to accept popular payment methods preferred by customers from around the globe. This creates more opportunities for successful transactions and increased revenue.
- Low cost integration: After integrating once with Alipay, merchants can accept new wallets in cooperation with Alipay without any additional integration. This enables merchants to expand its payment acceptance efficiently.
- Powerful risk management: A robust risk control engine manages the risks of buyers, sellers, and transactions, ensuring the funds' security.
- Competitive exchange rates: Attractive exchange rates that help merchants get more transactions.
- Multi-currency settlement: Multiple settlement currencies are supported, enabling merchants to accept settlements in a wide variety of currencies.
- Comprehensive Merchant Service: Business and technical support for sellers around the world.
User experience
The Alipay User-presented Mode Payment product provides a convenient and secure way to pay. Customers can complete the payment in just a few easy steps:
- The customer presents the payment code for payment to the merchant.
- The merchant scans the payment code to collect the payment.
- The customer gets the payment result.
Figure 1. User experience with no payment password required
If the transaction amount is over the user's transaction limit or other risks are detected, the customer might be required to enter the payment password to complete the payment:
- The customer presents the payment code for payment to the merchant.
- The merchant scans the payment code and the checkout page is triggered.
- The customer enters the password and complete the payment.
Figure 2. User experience with payment password required
Product flow
The merchant scans the payment code for payment and initiates a payment request to Alipay. Alipay sends the payment request to Alipay+ MPP. Alipay+ MPP returns the payment result to Alipay after processing the payment and sends the payment result to the customer. After getting the payment result from Alipay+ MPP, Alipay sends the payment result to the merchant.
Figure 3. User-presented Mode Payment product flow
In the Alipay User-presented Mode Payment product, the following four roles are involved:
- User: An individual or institution that uses the payment service. The customer's funds are ultimately delivered to the merchant through the payment service provider.
- Merchant: A company or individual that trades on goods or services. The acquiring institution will settle the funds to the merchants on a regular basis.
- Alipay: The Alipay merchant service provided by Alipay.
- Alipay+ Mobile Payment Partner (Alipay+ MPP): An organization that processes payment services and other value-added services on behalf of the payer.
Three integration modes are provided for implementing the integration: integration by the merchant, integration by the system integrator, and integration by ISV. For more details, see Integration mode.
Product features
Use the user-presented mode payment product when the following criteria are matched:
Features | Value |
Payment type | Offline payment |
Payment initiator | Merchant |
User authorization provider | Alipay+ Mobile Payment Provider (Alipay+ MPP) |
User authorization method | User authorization provided by Alipay+ MPP |
Terminal type | Scanning device that supports 24-digit length payment code or QR code |
Payment code owner | User |
Payment code issuer | Alipay+ MPP |
Table 1. Service criteria
Terms and definitions
Key terms and corresponding definitions used in the User-Presented Mode Payment product:
- Acquirer (ACQ): An institution that processes payments on behalf of Merchants.
- Code issuer: A party that complies with this standard. It usually has the ability to decode and obtain the business information associated with the code.
- In-store payment: The activity where a user goes to a merchant's place of business and conducts face-to-face payments with the merchant.
- User-Presented Mode Payment: A payment initiated by the merchant that requires the merchant to scan the user-presented code with a scanning device.
- Payment code: Also known as business-scan-user code or user-presented code. The payment code is the QR code or barcode presented by users for merchants to scan with a scanning device to initiate payments.
- QR code: Quick Response Code as defined in ISO/IEC 18004.