Alipay Cashier Payment is a simple, secure payment experience that allows consumers to purchase with their digital wallet on your site. Shoppers can conveniently select their specific digital wallet payment method and make payments seamlessly.
With Alipay Developer Center, you can easily get set-up and find the development resources to integrate Alipay's APIs into your own custom application. Our knowledge base articles are there to help you while using our APIs to easily incorporate Alipay's functionality into your web and mobile apps.
Alipay provides a number of key advantages, such as:
Truly glocalized (global + local)
With both local settlement and cross-border settlement supported, you can accept payments in multiple currencies across the world and allow customers to pay in their local currencies.
Alipay has built-in security mechanism and rule-based risk management, and evaluates risk of every transaction. This ensures that each one of your transaction is highly secured and executed hassle free.
Rapidly build production-ready integrations with APIs. With Alipay Developer Center, you can get set-up easily and obtain development resources required. In addition, limited integration costs are needed when you add new wallet product to expand your business in the future.
Enhanced payment experience
Create an easy way for consumers to pay on your site. The use of Alipay removes language or cultural barriers and adds a familiar experience to many consumers.
The following figure illustrates that a consumer places an order in a shopping app, and then uses GCash digital wallet to perform the payment.
Figure 1. Cashier payment user experience
#How it works
In Cashier Payment, the following roles are involved:
- Customer: An individual or institution that uses the payment service.
- Merchant: A company or individual that trades on goods or services.
- Alipay: Alipay provides the Cashier Payment service.
- PSP: A payment service provider. In Cashier Payment, PSP is a Digital Wallet, such as GCash.
Figure 2. Cashier Payment workflow
Cashier Payment workflow contains the following steps:
- Customer selects goods online and selects a PSP wallet app to pay.
- Merchant sends the payment request to Alipay.
- Alipay returns the PSP Cashier URL.
- Merchant redirects the user to the Cashier.
- Customer inputs payment information to complete the payment.
- Customer is redirected to merchant page and the payment result is presented.
- PSP wallet sends payment result to Alipay.
- Alipay notifies merchant the payment result asynchronously.
Cashier payment has the following features:
Payment methods decision maker
Payment initiated by
Payment Service Provider (PSP)
User authorization method
User authorization provided by Payment Service Provider
Table 1: Cashier payment features