Alipay+Alipay+

Merchant-presented Mode Payment

With Merchant-presented Mode Payment, a user can scan the QR code presented by the merchant to complete the payment. The QR code can be either a static entry code or a dynamic order code.

1. Basic concepts

The following terms are used in this document:

  • Merchant-presented Mode Payment: Payment scenario that the consumer scans the merchant presented code with a digital device, such as a mobile phone, to initiate the payment.
  • Acquirer: Institution that processes payments on behalf of merchants.
  • Alipay+: Alipay+ solution is a collaborative effort along with all Partners to provide more open, digitalized, and inclusive financial services to worldwide consumers and 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.

2. Benefits

The following list shows the major benefits of using Alipay+ Merchant-presented Mode 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.

Inclusive solution

This payment solution is cost-effective, and different types of merchants can adopt this solution easily.

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.

3. User experience

A user can scan the QR code, which might be an order code or entry code presented by the merchant, to complete the payment. The QR code complies with the standards and specifications as defined in Code-Scanning Payment Standards. In certain cases, the user might be prompted to complete authentication during the payment, such as entering the payment password. 

Case 1. Order code

The following figure illustrates Merchant-presented Mode Payment user experience where the code is an order code: 

cscanb-order_code.jpg

Figure 1. Merchant-presented Mode Payment (order code) user experience

The Merchant-presented Mode Payment (order code) workflow contains the following steps:

  1. User chooses goods, then the merchant shows an order code.
  2. User scans the order code.
  3. User confirms to pay.
  4. The payment result is displayed in the wallet page. 

Case 2. Entry code

The following figure illustrates Merchant-presented Mode Payment user experience where the code is an entry code: 

cscanb-entry_code.jpg

Figure 2. Merchant-presented Mode Payment (entry code) user experience

The Merchant-presented Mode Payment (entry code) workflow contains the following steps:

  1. User scans the entry code presented by merchant.
  2. User is redirected to merchant page to enter the payment amount.
  3. User is redirected to wallet payment page to complete the payment. 
  4. The payment result is displayed in the wallet page.
  5. User is redirected back to the merchant page. 

UX design guidelines

For more information about the requirements of page designing and interaction details, see Merchant-presented Mode Payment.

4. How it works

In Merchant-presented Mode 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 Merchant-presented Mode Payment service.
  • Mobile Payment PartnerMobile Payment Partner normally is a Digital Wallet.

Case 1: Order code

The following figure illustrates the Merchant-presented Mode Payment workflow when the QR code is an order code:

C-scan-B 1.jpg

Figure 3. Merchant-presented Mode Payment (order code) workflow

The Merchant-presented Mode Payment (order code) workflow contains the following steps: 

  1. User scans the QR code to pay by using Mobile Payment Partner wallet.
  2. Mobile Payment Partner wallet retrieves the code value, then sends the code value to Alipay+ for decoding.
  3. Alipay+ decodes the code value and receives the order information from Acquirer. After that, Alipay+ sends the payment request to Mobile Payment Partner.
  4. Mobile Payment Partner wallet renders the payment information and the user confirms to pay.

Case 2: Entry code

The following figure illustrates the Merchant-presented Mode Payment workflow when the QR code is an entry code:

正扫2.png

Figure 4. Merchant-presented Mode Payment (entry code) workflow

The Merchant-presented Mode Payment (entry code) workflow contains the following steps: 

  1. User scans the QR code to pay by using Mobile Payment Partner wallet.
  2. User is redirected to the merchant page to enter the payment amount.
  3. Merchant redirects the user to the Mobile Payment Partner wallet with the order code contained in the URL.
  4. Mobile Payment Partner wallet intercepts and parses the URL to obtain the code value, then sends the code value to Alipay+ for decoding.
  5. Alipay+ decodes the code value and receives the order information from Acquirer. After that, Alipay+ sends the payment request to Mobile Payment Partner.
  6. Mobile Payment Partner wallet renders the payment information and the user confirms to pay.

5. Features

Alipay+ Merchant-presented Mode Payment contains the following main features to accelerate your business processes:

  • 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.