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 Partner (MPP).
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. |
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:
Figure 1. User experience of User-presented Mode Payment
The user experience consists of the following steps:
- 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.
- The merchant scans the payment code that is presented by the consumer.
- 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
Figure 2. Alipay+ User-presented Mode Payment workflow
After the merchant places an order, the workflow consists of the following steps:
- The MPP app requests a payment code from Alipay+ and the consumer presents the payment code to the merchant.
- The merchant scans the payment code and sends a payment request to Alipay+.
- Alipay+ decodes the payment code to obtain the customer ID, and then sends the payment request with the customer ID to the MPP.
- The MPP debits the payment amount from the consumer's account according to the customer ID.
- 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.