Alipay+Alipay+

Best practices for BNPL channels

Definition of the BNPL channels and special requirements

Alipay+ is planning to add some Mobile Payment Partners (MPPs) 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, MPPs still need to apply real-time risk control to BNPL transactions to reduce risks on the user side and the MPP side, which requires the Acquiring Partners (ACQPs) 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.

Applicable scenario

Currently, the requirements in this document only apply to the Cashier Payment.

Requirements for the ACQP

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 the ACQPs. The MPP's risk control 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 that is 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.

shippingAddress

No.

Field

Description

1

region

REQUIRED String(2)

The two-character ISO 3166 country/region code

2

state

OPTIONAL String(8)

State, country, or province

3

city

OPTIONAL String(32)

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 apartment, suite, unit, or building)

6

zipCode

OPTIONAL String(32)

ZIP or postal code

Extended info parameters

Parameters in the following tables are recommended to be passed in by the ACQPs. 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 that directly provides services or goods to users to identify goods.

goodsCategory

OPTIONAL String(64)

A categorization of the goods type.

goodsUnitAmount

REQUIRED Amount

Goods price. See Amount for details.

goodsQuantity

REQUIRED Integer

Goods quantity

Amount

No.

Field

Description

1

currency

REQUIRED String (3)

The three-character ISO-4217 currency code.

2

value

REQUIRED Integer (16)

The value is in the smallest currency unit (for example, if the value is 100, the amount is $1.00 when currency is USD, or ¥100 when currency is JPY). Value range: 0 - unlimited.