Alipay+Alipay+

User-presented Mode Payment

With User-presented Mode Payment, the merchant scans the payment code that is presented by the consumer to initiate a payment. Generally, the payment code is displayed on a digital wallet app owned by an Alipay+ Mobile Payment Provider (MPP).

Basic concepts

The following key terms are used in this document:

Term (Abbreviation)

Definition

Acquiring Service Provider (ACQP)

An Acquiring Partner participating in Alipay+ Core or other acquirer cooperating with a member of Ant Group to enable payments

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 Provider (MPP)

A Mobile Payment Partner participating in Alipay+ Core or other user- or issuer-facing payment service provider cooperating with a member of Ant Group to enable payments.

User-presented Mode Payment

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

payment code

Also known as business-scan-consumer (B-scan-C) code. QR codes or barcodes presented by consumers for merchants to scan with their reading devices to initiate payments.

User experience

The following figure illustrates the user experience with the User-presented Mode Payment product:

image

Figure 1. User experience of User-presented Mode Payment

The user experience consists of the following steps:

  1. The consumer opens the MPP's app (normally a digital wallet), switches the country/region on demand for cross-border payment, and then presents the Alipay+ payment code to the merchant.
  2. The merchant scans the payment code that is presented by the consumer.
  3. The MPP presents the payment result page to the consumer.

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

Product functionalities

The Alipay+ User-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.
  • Automatic code generation: When the customer opens the Alipay+ payment code page and selects a country/region in the MPP app, a QR code is automatically generated by Alipay+ to support payments in that country/region.
  • Standardized payment code: The standardized payment code can be used across the globe, 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 pushes the payment result to the ACQP, who can then relay the result to merchants.

How it works

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Figure 2. Alipay+ User-presented Mode Payment workflow

After the merchant places an order, the workflow consists of the following steps:

  1. The MPP app requests a payment code from Alipay+ and the consumer presents the payment code to the merchant.
  2. The merchant scans the payment code and sends a payment request to Alipay+.
  3. Alipay+ decodes the payment code to obtain the customer ID, and then sends the payment request with the customer ID to the MPP.
  4. The MPP debits the payment amount from the consumer's account according to the customer ID.
  5. The MPP presents the payment result to the consumer on its app.

Get started

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