Alipay+Alipay+

Merchant-presented Mode Payment

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

Basic concepts

The following key terms are used in this document:

Term (Abbreviation)

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.

Alipay+

Alipay Connect Pte. Ltd. and all of its Affiliates that operate Alipay+ Core, including its and their successors and assigns. When used in the Rules, Alipay+ refers to Alipay Connect Pte. Ltd. or, if otherwise specified in the Participation Agreement, any of its applicable Affiliates.

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.

User-presented Mode Payment

Payment scenario that the merchant scans the consumer-presented code with a device to initiate the payment.

QR code

A quick response (QR) code or bar code as defined in ISO/IEC 18004.

User experience

The Merchant-presented Mode Payment product provides a user experience where a consumer can scan a QR code, which might be an order code or entry code, that is presented by the merchant to complete the payment. In certain cases, the consumer might be prompted to complete authentication during the payment, such as entering the payment password.

The user experience differs depending on the QR code type.

Order code

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

cscanb-order_code.jpg

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

The user experience consists of the following steps:

  1. The consumer scans the order code that is presented by the merchant.
  2. The consumer is redirected to the payment confirmation page in the MPP app and confirms to pay.
  3. The payment result page is presented to the user in the MPP app.

Entry code

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

cscanb-entry_code.jpg

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

The user experience consists of the following steps:

  1. The consumer scans the entry code that is presented by the merchant.
  2. The consumer is redirected to the merchant's cashier page and enters the payment amount.
  3. The consumer is redirected to the payment confirmation page in the MPP app and confirms to pay.
  4. The payment result page is presented to the user in the MPP app.
  5. The consumer is redirected back to the merchant page.

For more information about product design and brand display, see Merchant-presented Mode Payment UX design guideline.

Product functionalities

The Merchant-presented Mode Payment product provides several capabilities to facilitate your business.

  • Accept a payment: The MPP takes a series of integration steps to ensure the user completes the payment.
  • Global code identification: With both dynamic and static QR codes supported, Alipay+ maintains code rules of various countries, which helps the MPP easily reach out to worldwide merchants.
  • Promotion provided: With this product, the MPP can directly offer promotional discounts that are provided by Alipay+ to consumers who use the MPP app to pay.
  • Multiple currencies supported: With cross-border settlement supported, the MPP can make payments in multiple currencies across the world, as well as allow its consumers to pay in their local currencies.
  • Payment result inquiry: The MPP can send the payment result to Alipay+ on Alipay+'s inquiry about the payment status.
  • Payment result notification: When the MPP confirms that the payment is successful, Alipay+ actively push the payment result to the ACQP, who can then relay the result to merchants.

How it works

The interaction between different parties differs depending on the QR code type.

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 workflow contains the following steps:

  1. The consumer uses the MPP app to scan the QR code that is presented by the merchant.
  2. The MPP app identifies the code value and sends the code value to Alipay+ for decoding.
  3. Alipay+ sends the decoding result to the merchant/ACQP and the merchant/ACQP returns the order information.
  4. Alipay+ sends the payment request to the MPP.
  5. The MPP renders the payment information and the consumer confirms to pay.

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 workflow contains the following steps:

  1. The consumer uses the MPP app to scan the QR code that is presented by the merchant.
  2. The consumer is redirected to the merchant's cashier page and enters the payment amount.
  3. The merchant/ACQP redirects the user to the Alipay+ URL based on the code value.
  4. Alipay+ decodes the code value and sends the decoding result to the merchant/ACQP, and then the merchant/ACQP returns the order information.
  5. Alipay+ sends the payment request to the MPP.
  6. The MPP renders the payment information and the consumer confirms to pay.

Get started

To get started with the integration of the Merchant-presented Mode Payment functionalities, see Integration overview for Merchant-presented Mode Payment.