Cashier Payment

With Alipay+ Cashier Payment, the merchant redirects the user to the page of a Mobile Payment Partner (normally, a digital wallet) to confirm the payment.Alipay+ Cashier Payment allows merchant to quickly collect online payments from the user's digital wallet account. In addition, the payment is safe as the user is prompted to complete authentication before confirming a payment.

Basic concepts

The following terms are used in this document:

• Acquirer: Institution that processes payments on behalf of merchants.
• Mobile Payment Partner: An Alipay+ Partner who provides payment and related services for consumers. Normally, the Mobile Payment Partner owns a digital wallet.
• QR Code: Quick Response Code as defined in ISO/IEC 18004.
• Code value: Data that are encoded and stored in the QR code or barcode.

Benefits

The following list shows the major benefits of using Alipay+ Cashier Payment:

Secure payment

User's authorization is required for every transaction. With built-in security mechanism and rule-based risk management, each transaction is highly secured and executed hassle free.

Highly scalable

Alipay+ helps establish business connections among different Partners, therefore, both Acquirer and Mobile Payment Partner can quickly scale up businesses around the world.

Easy integration

Rapidly build production-ready integrations with APIs. In addition, limited integration costs are needed to add new wallets to expand your business in the future.

User experience

By using Alipay+ Cashier Payment, user's checkout experience is illustrated as below.

Case 1. Redirect to cashier page

In this case, after placing an order, the user is redirected to the cashier page to pay.

• Wallet app is installed

The following figure shows the user experience of checking out in merchant App by using Cashier Payment. In this case, the MPP's wallet app is installed.

Figure 1. User experience of redirecting user to wallet app to pay

When placing an order in a merchant app, user can complete the payment in an MPP app by the following steps:

1. User places an order in a merchant app and chooses an MPP's wallet for payment.
2. User chooses one payment method to pay, such as the balance or the bank card.
3. User inputs password to complete the payment.
4. The MPP presents the payment result page.
5. User is redirected to the merchant payment result page.

• Wallet app is not installed

The following figure shows the user experience of checking out in merchant App by using Cashier Payment. In this case, the MPP's wallet app is not installed, and the wallet H5 page is used instead.

Figure 2. User experience of redirecting user to wallet Web/H5 to pay

When user places an order in a merchant app, the user can complete the payment in the wallet H5 by the following steps:

1. User places an order in a merchant app and chooses an MPP's wallet for payment.
2. The merchant redirects the user to the wallet H5 and prompts the user to log in.
3. User chooses one payment method to pay, such as the balance or the bank card.
4. User inputs password to complete the payment.
5. The wallet H5 presents the payment result page.
6. User is redirected to the merchant payment result page.

Note:

If the MPP does not support H5 payment, the user will be guided to the downloading page of the MPP's wallet app.

Case 2. Scan order code

On the Alipay+ cashier checkout page, the user uses the MPP's wallet app to scan the QR code displayed to pay. The following figure illustrates the user experience:

Figure 3. User experience of scanning order code to pay

When a user places an order on a merchant website, the user can complete the payment in an MPP app by the following steps:

1. User uses the MPP's wallet app to scan the QR code displayed on the Alipay+ checkout out page.
2. User chooses one payment method, such as the balance or the bank card, to pay in the wallet app.
3. User inputs password to complete the payment.
4. The wallet app displays the payment result.
5. Alipay+ presents the payment result page on the Alipay+ checkout page and the user can go back to the merchant page.

UX design guidelines

For more information about the page designing and interaction details, see Cashier Payment UX design guideline.

How it works

In Cashier Payment, the following roles are involved:

• User: An individual or institution that uses the payment service. 
• Merchant: A company or individual that trades on goods or services. 
• Acquirer: Institution that processes payments on behalf of merchants.
• Alipay+: Alipay+ provides the Cashier Payment service.
• Mobile Payment Partner: In Cashier Payment, Mobile Payment Partner normally is a Digital Wallet, such as GCash.

Figure 5. Alipay+ Cashier Payment workflow

Alipay+ Cashier Payment workflow contains the following steps: 

1. User places an order and selects an MPP's wallet app to pay.
2. Merchant sends the payment request to Acquirer.
3. Acquirer returns the Cashier URL to merchant.
4. Merchant redirects the user to Cashier page of the wallet.
5. Wallet forwards the URL to Alipay+ to decode.
6. Alipay+ confirms the code is supported, and then sends request to Acquirer to obtain the order information.
7. Acquirer returns the order information to Alipay+.
8. Alipay+ forwards the order information to wallet.
9. User inputs payment password to complete the payment.
10. Alipay+ notifies the payment result to wallet and Acquirer.
11. Acquirer notifies the merchant of the payment result asynchronously.
12. User is redirected back to merchant page and the payment result is presented.

Features

Alipay+ Cashier Payment contains the following main features to accelerate your business processes:

• Invoke cashier Payment. Acquirer constructs a cashier URL and sends it to merchant. Merchant redirects user to the cashier page of Mobile Payment Partner to complete payment.
• Notify payment result. When Mobile Payment Partner confirms that the payment is successful, Alipay+ actively push the payment result to Acquirer (Acquirer might relay the result to merchants accordingly following the business design).
• Support one-stop settlement. Alipay+ provides a unified funds clearing and settlement service for Acquirer and Mobile Payment Partners. Rather than performing mutual settlement, Acquirers and Mobile Payment Partners only need to settle with Alipay+, which greatly simplify the funds processing and improve the settlement efficiency.