Version: 1.0.0

Alipay+ BlueTap provides a seamless payment solution that enhances user experience with faster transaction speeds and robust payment security. With this innovative method, users can complete transactions easily by simply tapping their mobile device or card.

Basic concepts

User experience

BlueTap simplifies the payment experience, allowing users to complete transactions by tapping their phones on the merchant's BlueTap device.

The user experience differs slightly across different mobile operating systems.

Tapping inside the app

iOS

The following figure illustrates the user experience of tapping inside the app on an iOS device:

Figure 1. User experience when tapping inside the app on an iOS device

The user experience consists of the following steps:

1. The user logs in to the MPP app, and turns on the BlueTap function. A Ready to Scan clip displays, informing the user that the MPP app is ready to scan and make a payment.
2. The user taps their phone on the BlueTap device.
3. The Ready to Scan clip informs the user that the scan is successful.
4. The MPP app displays a payment result page to the user.

Android

The following figure illustrates the user experience of tapping inside the app on an Android device:

Figure 2. User experience when tapping inside the app on an Android device

The user experience consists of the following steps:

1. The user logs in to the MPP app and taps the BlueTap device.
2. A payment processing page displays and indicates that the payment is processing.
3. The MPP app displays a payment result page to the user.

Tapping outside the app

iOS

Single wallet

The following figure illustrates the user experience of tapping outside the app on an iOS device with a single wallet:

Figure 3. User experience when tapping outside the app on an iOS device with a single wallet

The user experience consists of the following steps:

1. The user taps the BlueTap device without opening the MPP app.
2. A clip displays with a button to open the MPP app for NFC scanning.
3. The MPP app presents a page showing the amount to pay and a Pay Now button.
4. The user taps Pay Now, and then the MPP app displays the payment result page to the user.

Multiple wallets

The following figure illustrates the user experience of tapping outside the app on an iOS device with multiple wallets:

Figure 4. User experience when tapping outside the app on an iOS device with multiple wallets

The user experience consists of the following steps:

1. The user taps the BlueTap device without opening the MPP app.
2. A clip page with an Open button displays.
3. The user taps Open, and then the app shows a page allowing the user to select a wallet for payment.
4. After the user selects the wallet, the MPP app displays a page showing the amount to pay.
5. The user taps Pay Now to make a payment, and then the MPP app displays the payment result page to the user.

Android

Single wallet

The following figure illustrates the user experience of tapping outside the app on an Android device with a single wallet:

Figure 5. User experience when tapping outside the app on an Android device with a single wallet

The user experience consists of the following steps:

1. The user taps the BlueTap device without opening the MPP app.
2. The MPP app displays a page indicating that the payment is processing.
3. The MPP app displays the payment result page to the user.

Multiple wallets

The following figure illustrates the user experience of tapping outside the app on an Android device with multiple wallets:

Figure 6. User experience when tapping outside the app on an Android device with multiple wallets

The user experience consists of the following steps:

1. The user taps the BlueTap device with their mobile phone without opening the MPP app.
2. A pop-up displays for the user to select a wallet to pay.
3. The MPP app displays a page to indicate that the payment is processing.
4. The MPP app displays the payment result page to the user.

Product functionalities

The Alipay+ BlueTap product provides several capabilities to facilitate your business.

Payment

• Accept a payment: The MPP takes a series of integration steps to ensure the consumer completes the payment.
• Promotion provided: The MPP can provide promotional discounts from Alipay+ to consumers using the MPP app for payments.
• Multiple currencies supported: With cross-border settlement capabilities, the MPP can facilitate payments in multiple currencies globally, allowing consumers to pay in their local currencies.
• Payment result inquiry: The MPP can send the payment result to Alipay+ in response to inquiries about the payment status.
• Payment result notification: When the MPP confirms that the payment is successful, Alipay+ actively pushes the payment result to the ACQP, who can then relay the result to merchants.

Business operations

• One-stop settlement: Alipay+ provides a unified funds clearing and settlement service for MPPs. Instead of mutual settlement, the MPPs only need to settle with Alipay+, greatly simplifying funds processing and enhancing settlement efficiency.
• Alipay+ Partner Workspace: This platform allows MPPs to manage operational tasks related to Alipay+, including transaction management, risk management, account management, dispute handling, and integration.

How it works

UPM

Cross-border transactions

Figure 7. Alipay+ BlueTap workflow in UPM

The BlueTap workflow for cross-border transactions in UPM consists of the following steps:

1. The user taps the BlueTap device with their mobile device to start the transaction, and the MPP app displays a payment processing page to the user.
2. (Optional) The MPP server applies for a payment code from Alipay+, which then returns the payment code.
3. The MPP server notifies the BlueTap device to send a payment request to the ACQP.
4. The ACQP forwards the payment request to Alipay+, which forwards it to the MPP server.
5. The user completes identification verification if needed. Then, the MPP server processes the payment.
6. The MPP server returns the payment result to Alipay+, which passes it to the ACQP and the MPP wallet. The user can view the payment result in their wallet app.
7. The ACQP sends the payment result to the merchant.

Local transactions

Figure 8. Alipay+ BlueTap workflow in UPM

The BlueTap workflow for local transactions in UPM consists of the following steps:

1. The user taps the BlueTap device with their mobile device to start the transaction.
2. The MPP app displays a payment processing page to the user.
3. The MPP server generates the payment code and sends it to the BlueTap device.
4. The BlueTap device sends a payment request to the ACQP.
5. The ACQP forwards the payment request to the MPP server for user identification verification.
6. If required, the user completes identification verification. Then, the MPP server processes the payment.
7. The MPP server returns the payment result to the ACQP, which the user can also view in their wallet app.
8. The ACQP sends the payment result to the merchant.

MPM

Cross-border transactions

Figure 9. Alipay+ BlueTap workflow in MPM

The BlueTap workflow for cross-border transactions in MPM consists of the following steps:

1. The user taps the BlueTap device with their mobile device to start the transaction.
2. The MPP app displays a payment processing page to the user.
3. The MPP server requests the QR code (generated by Alipay+) from the BlueTap server.
4. The user completes identification verification if needed. Then, the MPP server retrieves the necessary payment information from Alipay+ using the QR code and processes the MPM payment.
5. The MPP server returns the payment result to Alipay+.
6. Alipay+ notifies the payment result to the ACQP, which then notifies the result to BlueTap to display on the BlueTap device.

Local transactions

Figure 10. Alipay+ BlueTap workflow in MPM

The BlueTap workflow for local transactions consists in MPM of the following steps:

1. The user taps the BlueTap device with their mobile device to start the transaction.
2. The MPP app displays a payment processing page to the user.
3. The MPP server requests the QR code (generated by the ACQP) from the BlueTap server.
4. The user completes identification verification if needed. Then, the MPP server retrieves the required payment information from the ACQP using the QR code and processes the MPM payment.
5. The MPP server returns the payment result to the ACQP, which then notifies the result to BlueTap to display on the BlueTap device.

Page detail requirements

This section describes the design requirements for the main pages of BlueTap.

• Clip page (iOS only)
• Payment processing page
• Payment result page

Clip page (iOS only)

The iOS Clip page enables you to open the MPP wallet payment processing page with a simple tap. The Clip fallback page prompts users to download the MPP wallet if it's not already installed.

Figure 11. iOS Clip page

For iOS Clip page design guidelines, see App Clips.

Payment processing page

The payment processing page displays the status of the payment in progress.

Figure 12. Payment processing page

To obtain the assets of the Alipay+ icon, see Alipay+ Brand Mark Assets.

Payment result page

The following figures illustrate the fields that can be displayed on the payment result page of BlueTap.

• The payment succeeds:

Figure 13. Fields for payment result page - payment succeeds

Note:

• The exchange rates are not always greater than or equal to 1.
• The order currency can be displayed either before or after the user's payment currency in the exchange rates.

• The payment fails:

Figure 14. Fields for payment result page - payment fails

The following table lists additional information about the fields in Figures 7 and 8. Information on all of the fields (except the Alipay+ brand) in the table can be obtained from the related APIs. If the fields in the following table are available, the fields must be provided on the payment result page.

Note: If the merchant name is displayed on the Payment Result Page, the merchant name needs to support multiple languages.

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