Integrate Cashier Payment tile mode

This topic introduces the differences that you (the Acquiring Service Provider) need to know to integrate Cashier Payment through Alipay+ Gateway after you have integrated Cashier Payment through Alipay+ Core. The differences exist in the following aspects:

User experience
Product capabilities
Integration and acceptance
Reconciliation
Partner services

Before you begin

Before you integrate Cashier Payment through Alipay+ Gateway, you need to know the procedure of integrating Cashier Payment through Alipay+ Core and the corresponding user experience. For more information, see the following topics:

User experience

This section introduces the user experience offered by Alipay+ Gateway MPPs and compares the user experience supported by Alipay+ Gateway MPPs and Alipay+ Core MPPs.

QRIS

Mobile

The following diagram illustrates the user experience of paying with QRIS on mobile:

Figure 1. Pay with QRIS on mobile

The user selects QRIS as the payment method on the order confirmation page of the merchant's mobile page or app.
The user is redirected to the QR code page, where the user can take and save a screenshot of the QR code.
The user opens an MPP app that supports QRIS and uses the app to scan the screenshot of the QR code.
The user completes the payment in the MPP app.
The user confirms the payment result in the MPP app and then returns to the merchant.

Web

The following diagram illustrates the user experience of paying with QRIS on Web:

Figure 2. Pay with QRIS on Web

The user selects QRIS as the payment method on the order confirmation page of the merchant's PC website.
The user is redirected to the QR code page, where the QR code is displayed.
The user opens an MPP app that supports QRIS and uses the app to scan the QR code.
The user completes the payment in the MPP app. The app then displays the payment result.
On the PC side, the user is returned to the merchant, where the payment result is displayed.

PayNow

Mobile

The following diagram illustrates the user experience of paying with QRIS on mobile:

Figure 3. Pay with PayNow on mobile

The user selects PayNow as the payment method on the order confirmation page of the merchant's mobile page or app.
The user is redirected to the QR code page, where the user can take and save a screenshot of the QR code.
The user opens an MPP app that supports PayNow and uses the app to scan the screenshot of the QR code.
The user completes the payment in the MPP app.
The user confirms the payment result in the MPP app and then returns to the merchant.

Web

The following diagram illustrates the user experience of paying with PayNow on Web:

Figure 4. Pay with PayNow on Web

The user selects PayNow as the payment method on the order confirmation page of the merchant's PC website.
The user is redirected to the QR code page, where the QR code is displayed.
The user opens an MPP app that supports PayNow and uses the app to scan the QR code.
The user completes the payment in the MPP app. The app then displays the payment result.
On the PC side, the user is returned to the merchant, where the payment result is displayed.

Bank Payment

Mobile

The following diagram illustrates the user experience of paying with Bank Payment on mobile:

Figure 5. Pay with Bank Payment on mobile

The user selects a bank payment method (UK Bank Payment or EU Bank Payment) on the order confirmation page of the merchant app.
The user clicks the pay button and is then redirected to a middle page to select an MPP.
The user is redirected to the MPP app or WAP page to complete the payment.

If the user is redirected to the MPP's WAP page, the user must log in to pay.
If the user is redirected to the MPP app, the user can complete the payment directly.

The user confirms the payment result on the MPP side, or
(Conditional) If the MPP does not return the payment result immediately, an Alipay+ page tells the user that the payment is being processed by the MPP.
The user is returned to the merchant.

Web

The following diagram illustrates the user experience of paying with Bank Payment on Web:

Figure 6. Pay with Bank Payment on Web

The user selects a bank payment method (UK Bank Payment or EU Bank Payment) on the order confirmation page of the merchant's PC website and clicks the pay button.
The user is redirected to a middle page to select an MPP.
The user pays by either of the methods below:

Scan the QR code on the middle page with the corresponding MPP app.
Redirect to the MPP page to log in and pay.

The user confirms the payment result on the MPP side, or
(Conditional) If the MPP does not return the payment result immediately, an Alipay+ page tells the user that the payment is being processed by the MPP.
The user is returned to the merchant Web page.

Comparison

The following table compares the user experience provided by Alipay+ Core MPPs and Alipay+ Gateway MPPs.

Item	Alipay+ Core MPP	Alipay+ Gateway MPP
Item	Alipay+ Core MPP	QRIS & PayNow	Bank Payment
Alipay+ promotion	Available	Not available
Supported payment method	Alipay+ Core MPPs, depending on the business scenario	MPPs that support QRIS or PayNow	MPPs that support Bank Payment
User payment currency	One currency per MPP, depending on the MPP	IDR for QRIS SGD for PayNow	EUR for EU Bank Payment GBP for UK Bank Payment
Payment method terminal type	Depends on the MPP	App	Web, WAP, and App, depending on the scenario: For mobile scenarios, the user is redirected to either the MPP's WAP page or to the MPP app. For Web scenarios, the user can use the MPP app to pay, or log in to the MPP's Web page to pay.
Redirection to the payment method	Yes	No. The user must manually open the MPP app.	Yes
How to make payments	Login-to-pay or scan-to-pay	Only scan-to-pay. Additionally, for mobile scenarios, the user must save the screenshot of the QR code and then manually open the wallet app for scan-to-pay.	Login-to-pay or scan-to-pay
Payment result timeliness	The payment result is returned in real-time.		The MPP might not be able to return the payment result immediately. An Alipay+ page is used to remind the user that the payment result will be returned in a few minutes.

Product capabilities

This section compares the product capabilities offered by Alipay+ Core and Alipay+ Gateway and also compares the product capabilities among different Alipay+ Gateway MPPs.

Comparison between Alipay+ Core and Alipay+ Gateway

The following table compares the product capabilities offered by Alipay+ Core and Alipay+ Gateway.

Capability	Alipay+ Core	Alipay+ Gateway
Accept a payment	Supported
Obtain payment results	Supported
Refund	Supported: The refund expiration period is usually one calendar year.	Supported: The refund expiration period differs depending on the MPP.
Cancellation	Supported	Not supported
Reconciliation	Supported Daily cutoff time: 00:00 UTC+8 By default, the settlement cycle is every T+2 days. Fees: Interpartner Fee Service Fee	Supported Daily cutoff time: 00:00 UTC+8 By default, the settlement cycle is every T+4 days. Fees: Payment Method Fee Processing Fee For more information, see Reconciliation.
Merchant registration requirement	Depends on the MPP but in a fixed scope.	Differs depending on the MPP
Prohibited list	Depends on the MPP but in a fixed scope.	Differs depending on the MPP
Dispute handling	Supported by Alipay+ Partner Workspace	Differs depending on the MPP
Alipay+ Partner Workspace	Supported	Partially supported For more information, see Partner services.
Alipay+ brand guidelines	Brand Display Guidelines for Online Payment

Comparison among Alipay+ Gateway MPPs

The following table compares the product capabilities among different Alipay+ Gateway MPPs.

Capability	QRIS	PayNow	Bank Payment
Refund	Refund expiration period: 7 days The `REFUND_IN_PROCESS` result code might be returned due to system delay.	Refund expiration period: 90 days The `REFUND_IN_PROCESS` result code might be returned due to system delay.	Refund expiration period: 180 days The `REFUND_IN_PROCESS` result code is always returned due to the required refund processing time and system delay.
Merchant registration requirement	Within the scope of Alipay+'s merchant registration requirements.
Dispute handling	Required but without chargeback processing.

Integration and acceptance

This section summarizes the differences in the integration and acceptance stages between Alipay+ Core and Alipay+ Gateway.

Integration with API

The following table lists the differences in APIs before and after you integrate through Alipay+ Gateway.

API	Before	After
pay	Valid values of the paymentMethod.paymentMethodType parameter: `ALIPAY_CN` `TRUEMONEY` `ALIPAY_HK` `TNG` `GCASH` `DANA` `KAKAOPAY` `RABBIT_LINE_PAY` `BPI` `BOOST` `AKULAKU_PAYLATER`	Depending on your selection, the following Alipay+ Gateway MPPs are added to the valid values of paymentMethod.paymentMethodType parameter: `QRIS` `PAYNOW` `UK_BANK_PAYMENT` `EU_BANK_PAYMENT`
cancelPayment	Supported.	For Alipay+ Core MPPs, this API is still supported. For Alipay+ Gateway MPPs, this API is not supported. In case you call this API by mistake, the `BUSINESS_NOT_SUPPORT` result code and `F` result status are returned.
refund	The `REFUND_IN_PROCESS` result code and `U` result status are not returned.	The `REFUND_IN_PROCESS` result code and `U` result status might be returned. When the `REFUND_IN_PROCESS` result code is returned, it is recommended that you retry the same refund API request until you obtain the final status. The recommended retry interval is as follows: 1 min, 5 min, 30 min, 1 hour, 1 hour... If you keep receiving the result code of `REFUND_IN_PROCESS` for 2 days, contact connect_support@service.alipay.com.

Acceptance and testing

To support the acceptance and testing of Alipay+ Gateway, Alipay+ enhanced its capabilities in the following two aspects:

New test cases are provided to help you test the integration with Alipay+ Gateway MPPs. To obtain the test cases, contact your solution architect.
Alipay+ Linker Wallet (also called "AWallet") adds QRIS as a new test wallet for integration testing. To test QRIS, you need to select QRIS_WALLET from the wallet list on the Simulator page on AWallet.

For more information about how to test Cashier Payment via Alipay+ Linker Wallet, see the Simulator chapter in Alipay+ Linker Wallet User Guide.

Reconciliation

A dedicated set of reconciliation reports is provided for Alipay+ Gateway MPPs. The file structure and filename rules are the same as those provided for Alipay+ Core MPPs, except that the following differences exist:

Meaning of the valid values of the feeType parameter in the fee report:

feeType

Alipay+ Core

Alipay+ Gateway

INTERCHANGE_FEE

The interchange fee, also known as interpartner fee, that the ACQP pays to the MPP for a transaction.

The payment method fee that the ACQP pays to Alipay+.

Refer to your contract with Alipay+ for more information.

SERVICE_FEE

The service fee that the ACQP pays to Alipay+ for a transaction.

The processing fee that the ACQP pays to Alipay+.

Refer to your contract with Alipay+ for more information.

File directories:

Report type	Alipay+ Core	Alipay+ Gateway
Clearing reports	/v1/settlements/clearing/<participantId>/<date>	/v1/ALIPAYPLUS_GATEWAY/settlements/clearing/<participantId>/<date>
Settlement report	/v1/settlements/settlement/<participantId>/<date>	/v1/ALIPAYPLUS_GATEWAY/settlements/settlement/<participantId>/<date>

Partner services

To support Alipay+ Gateway, the Alipay+ Partner Workspace portal adjusted its capabilities regarding partner services as follows:

A button is added on the homepage of the portal to switch between Alipay+ Core and Alipay+ Gateway models.
For Alipay+ Gateway, the portal only provides access to part of its business services, which include:

Transactions
Developer Center
Account Management

For Alipay+ Gateway, the capabilities under Transactions are the same as those provided for Alipay+ Core, except that:

You cannot initiate refunds on the Transaction List page.
You cannot download reconciliation reports on the Download Reports page.

For more information about the capabilities of Alipay+ Partner Workspace that are provided for Alipay+ Core, see Alipay+ Partner Workspace User Guide.