Alipay+Alipay+

Cashier Payment

Alipay+ Cashier Payment allows merchants to quickly collect online payments from the consumer's MPP account. The payment is safe as the consumer is prompted to complete authentication before confirming the payment.

Basic concepts

Terms (Abbreviations)

Definition

Acquiring Partner (ACQP)

A Partner in its capacity as an acquirer or payment processor, including where it enters into a Merchant Agreement with a Merchant or an Indirect Participation Agreement with an Indirect Acquiring Partner, and processes Transactions directly or indirectly for its Merchants.

Cashier Payment

An Online Payment product provided by Alipay+, whereby a Merchant redirects a User to the payment page of a Mobile Payment Partner to confirm the Transaction details and Authorise the Payment.

Merchant

A person that enters into a Transaction with a User which is acquired by an Acquiring Partner or an Indirect Acquiring Partner, as applicable.

Mobile Payment Partner (MPP)

A Partner in its capacity as a payment service provider where it issues a Mobile Payment Partner Product to a User, enters into a User Agreement with a User or processes a Transaction for a User.

QR Code

Quick Response Code as defined in ISO/IEC 18004.

Code value

Data that is encoded and stored in the QR code or barcode.

User experience

With Cashier Payment, the consumer can place an order on the merchant platform and select Alipay+ as the payment method. Then Alipay+ displays the available MPPs for the consumer to select and complete the payment on the selected MPP platform. After the payment is done, the consumer can return to the merchant platform.

For different MPP platforms, the user experience is different. The MPP platform can be a PC website (referred to as "Web" below) or a mobile app/WAP page (referred to as "Mobile" below).

  • If the consumer places the order on a Mobile page, the consumer is redirected to the MPP app or WAP page to continue the payment process.
  • If the consumer places the order on a Web page, the consumer is redirected to a Web page to continue the payment process.

Mobile

This section introduces the user experience of Cashier Payment on mobile platforms.

Scenario 1. Pay in the MPP app

In this scenario, the MPP app is installed on the consumer's phone.

After placing an order on the merchant side, the consumer is redirected to the MPP app to complete the payment. The following figure illustrates the user experience for this scenario:

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Figure 1. Pay in the MPP app

The consumer performs the following steps to complete the payment:

  1. The consumer selects Alipay+ as the payment method on the merchant's order confirmation page.
  2. The Alipay+ sheet pops up and lets the consumer select an MPP to continue.
  3. The consumer clicks the pay button and is then redirected to the payment confirmation page in the MPP app. The consumer can check the payment information and adjust the balance or bank account to pay with.
  4. The consumer clicks the payment button and completes the verification to pay.
  5. The consumer confirms the payment result in the MPP app and returns to the merchant.

Scenario 2. Pay on the MPP WAP page

In this scenario, the MPP app is not installed on the consumer's phone.

After placing an order on the merchant side, the consumer is redirected to the MPP WAP page to complete the payment. The following figure illustrates the user experience for this scenario:

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Figure 2. Pay on the MPP WAP page

The consumer performs the following steps to complete the payment:

  1. The consumer selects Alipay+ as the payment method on the merchant's order confirmation page.
  2. The merchant redirects the consumer to the Alipay+ checkout page to select an MPP to continue.
  3. The merchant redirects the consumer to the MPP page to log in.
  4. The consumer logs in and is then redirected to the MPP's payment confirmation page (WAP page). The consumer can check the payment information and adjust the balance or bank account to be paid with.
  5. The consumer clicks the payment button to pay.
  6. The consumer confirms the payment result on the MPP WAP page and returns to the merchant.

Note: If the MPP does not support payment on WAP pages, instruct the consumer to download the MPP app.

Web

This section introduces the user experience of Cashier Payment on Web platforms. Depending on whether the MPP app supports code scanning, the payment experience varies:

  • If the MPP app supports code scanning, the consumer scans the code and completes the payment by using the MPP app.
  • If not, the consumer is redirected to a series of WAP pages to go through the payment process, including logging in and paying with a password.

Scenario 3. Scan to pay

Conditions:

  • The consumer places an order on the merchant's desktop website.
  • The wallet that the consumer pays with supports scan-to-pay

After placing an order on the merchant Web page, the consumer is redirected to the Alipay+ checkout page, where the consumer uses the MPP app to scan the QR code to pay. The following figure illustrates the user experience:

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Figure 3. Scan to pay

The consumer performs the following steps to complete the payment:

  1. The consumer selects Alipay+ as the payment method on the merchant's order confirmation page.
  2. The consumer is redirected to the Alipay+ checkout page, where a QR code and the supported MPPs are displayed.
  3. The consumer opens an MPP app on their phone to scan the QR code. The MPP must be one of the supported MPPs from the previous step.
  4. The MPP app displays the payment confirmation page. The consumer can check the payment information and adjust the balance or bank account to pay with.
  5. The consumer inputs the password to complete the payment.
  6. The MPP app displays the payment result.
  7. The merchant Web page displays the payment result.

Scenario 4. Log in to pay

Conditions:

  • The consumer places an order on the merchant's desktop website.
  • The wallet that the consumer pays with does not support scan-to-pay.

After placing an order on the merchant side, the consumer is redirected to the Alipay+ checkout page. The consumer then selects an MPP and logs in to the MPP page to pay. The following figure illustrates the user experience:

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Figure 4. Log in to pay

The consumer performs the following steps to complete the payment:

  1. The consumer selects Alipay+ as the payment method on the merchant's order confirmation page.
  2. The consumer is redirected to the Alipay+ checkout page, where the MPPs for log-in-to-pay are displayed under the scan-to-pay area.
  3. The consumer selects an MPP to continue the payment.
  4. The consumer is redirected to the MPP page and logs in.
  5. The MPP displays the payment confirmation page. The consumer can check the payment information and adjust the balance or bank account to pay with.
  6. The consumer inputs the password to complete the payment.
  7. The MPP displays the payment result page and redirects the consumer back to the merchant.

For more information about the page design, see Cashier Payment in the UX design guidelines for Mobile Payment Partners.

Product functionalities

Cashier Payment offers the following main features to facilitate your business:

  • One-time online payment: Consumers can pay each transaction with the MPPs worldwide.
  • SDK & Non-SDK solution: The MPPs can integrate Alipay+ APIs or Alipay+ SDKs for Cashier Payment. The SDKs assist the MPPs with order code identification and redirecting the consumers back to the merchant.

How it works

The following figure illustrates the main process of how Cashier Payment works:

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Figure 5. Alipay+ Cashier Payment workflow

Cashier Payment workflow contains the following key steps: 

  1. The MPP provides the cashier base URL to Alipay+. (Step 1)
  2. The merchant/ACQP redirects the user to the MPP. (Step 6)
  3. The MPP decodes the Alipay+ code by calling the userInitiatedPay API. (Step 7)
  4. The MPP renders and displays the checkout page after getting all payment details from Alipay+. (Step 9)
  5. The MPP notifies Alipay+ of the payment result by calling the notifyPayment API. (Step12)

Notes:

If the MPP has integrated the Alipay+ SDK, the SDK works in the following steps:

  • A+ Server SDK helps with recognizing the code. (Step 7)
  • A+ client SDK helps with the redirection. (Step 11)

Get started

To get started with Cashier Payment integration, see Integration in the Cashier Payment integration guides.