Best practices for BNPL channels
Alipay is planning to add some payment methods with the Buy Now Pay Later (BNPL) feature. BNPL is a type of installment loan, which gives a user a certain credit line that is long-term effective and recyclable. The user can use this credit line for transactions. However, payment methods still need to apply real-time risk control to BNPL transactions to reduce risks on the user side and the payment method side, which requires merchants to provide specific information in the API request to Alipay. The required information is categorized into basic ones and extended ones, and they have a heavy impact on the success of payments.
Requirements for merchants
Certain parameters are required for the pay API requests. See the following sections for details.
Basic info parameters
Parameters in the following tables are strongly recommended to be passed in by merchants. The risk control of payment methods relies heavily on these parameters. The payment success rate is estimated to rise by 5%~10% if these parameters are provided.
Category | Parameter | Description |
order.buyer | referenceBuyerId | OPTIONAL String (64) The unique ID assigned by the merchant to identify a buyer. |
order.goods | goodsName | OPTIONAL String (256) Goods name. |
order.shipping | shippingAddress | OPTIONAL Address Recipient shipping address. See shippingAddress for details. |
Table 1. Basic info parameters
shippingAddress
No. | Field | Description |
1 | region | REQUIRED String (2) The two-character ISO 3166 country/region code. |
2 | state | OPTIONAL String (8) The state, country, or province. |
3 | city | OPTIONAL String (32) The city, district, suburb, town, or village. |
4 | address1 | OPTIONAL String (256) Address line 1, such as street, PO Box, or company name. |
5 | address2 | OPTIONAL String (256) Address line 2, such as the apartment, suite, unit, or building information. |
6 | zipCode | OPTIONAL String (32) ZIP or postal code. |
Table 2. Parameters in shippingAddress
Extended info parameters
Parameters in the following tables are recommended to be passed in by merchants. The payment success rate is estimated to rise by 5% if these parameters are provided.
Category | Parameter | Description |
order.goods | referenceGoodsId | REQUIRED String (64) The unique ID assigned by the merchant to identify the goods. |
goodsCategory | OPTIONAL String (64) A categorization of the goods type. | |
goodsUnitAmount | REQUIRED Amount Goods price. See goodsUnitAmount for details. | |
goodsQuantity | REQUIRED Integer Goods quantity. |
Table 3. Extended info parameters
goodsUnitAmount
No. | Field | Description |
1 | currency | REQUIRED String (3) The three-character ISO-4217 currency code. |
2 | value | REQUIRED Integer The amount to charge as a positive integer in the smallest currency unit. (That is, 100 cents to charge $1.00, or 100 to charge JPY 100, a 0-decimal currency). Value range: 1 - unlimited. |
Table 4. Parameters in goodsUnitAmount