An excellent payment experience can be provided by using the Alipay order code payment product. The merchant generates a QR code with order information for customers to scan. After scanning the code, the customer can check order information and then complete the payment. This payment method is an ideal choice for retail and self-service scenarios because customers can complete payments without entering the payment amount and get the payment result instantly.
You are recommended to follow the code standard for merchant-presented mode payment to achieve secure, fast and interoperable order code acceptance. For more information, see code-scanning standard.
Alipay order code payment product provides the following benefits to partners:
- One-point access, global income: Supports the merchant to accept global payments and obtain global customers, which leads to an increase of transactions and revenue.
- Low cost integration: No additional integration costs needed when you add new wallet product to expand your business after integrating Alipay the first time.
- Powerful risk management: Powerful risk control engine offered, managing the risks of buyers, sellers, and transactions and ensuring the security of funds.
- Best exchange rate: Competitive exchange rates provided, helping merchants to get more transactions.
- Multi-currency settlement: Multiple settlement currencies supported. Accept settlement with the currency of your choice.
- Comprehensive Merchant Service: Timely and comprehensive support and assistance to buyers and sellers around the world.
The Alipay order code payment product provides a convenient and secure way to pay. Customers can complete the payment in just a few steps:
- The customer scans the order code generated by the merchant.
- The customer confirms to pay.
- The customer gets the payment result.
Figure 1. User experience of the order code payment product
The merchant sends a request for Alipay to create an order QR code. Alipay returns a QR code to the merchant, which can be presented to the user to be scanned. After scanning the QR code, PSP gets the order details for the user to confirm. If the user confirms to pay, PSP processes the payment and sends the payment notification to Alipay. Alipay returns the payment notification to the merchant.
Figure 2. Order code payment product flow
In the Alipay order code 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: Alipay merchant service, provided by Alipay.
- PSP: Payment service provider, 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.
Use the order code product when the following criteria are matched:
User authorization provider
Payment Service Provider (PSP)
User authorization method
User authorization provided by PSP
Device with a screen
QR code owner
QR code issuer
Table 1. Service criteria
#Terms and definitions
These terms and corresponding definitions are important or frequently used in the order code payment product:
- Acquirer (ACQ): 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 that a user goes to a merchant's place of business and conducts face-to-face payments with the merchant.
- QR code: Quick Response Code as defined in ISO/IEC 18004.
- Order code: The merchant-presented code for users to scan and identify the order to which payment is made. For more information about the merchant-presented code standard, see code-scanning standard.