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:

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 if the QR code is an order code or an entry code:.

Order code

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

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 the merchant presents.
2. At the bottom of the Scan page, the consumer may see one or more acceptance marks which represent that the merchant accepts the MPP at its offline store. What acceptance mark consumers may see depends on the consumer's current location.
3. After code scanning, the consumer is redirected to the payment confirmation page in the MPP app and confirms to pay. The consumer can complete the verification by facial or fingerprint recognition if the MPP app supports biometric verification.
4. The consumer sees the payment result page where the payment amount and the order amount are both displayed.

Entry code

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

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 the merchant presents.
2. At the bottom of the Scan page, the consumer may see one or more acceptance marks which represent that the merchant accepts the MPP at its offline store. What acceptance mark consumers may see depends on the consumer's current location.
3. After code scanning, the consumer is redirected to the merchant's cashier page and enters the payment amount.
4. The consumer is redirected to the payment confirmation page in the MPP app and confirms to pay. The consumer can complete the verification by facial or fingerprint recognition if the MPP app supports biometric verification.
5. The consumer sees the payment result page where the payment amount and the order amount are both displayed.
6. The consumer is redirected back to the merchant page.

Product functionalities

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

Before payment

Alipay+ availability notification: When the MPP identifies a consumer is abroad in a location where Alipay+ payment is available, the MPP informs the consumer of Alipay+ availability by in-app pushes or short messages.

Payment

• 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.

Post payment

• Refund: MPPs support both full and partial refunds.
• Cancellation: MPPs support transaction cancellations that are requested by ACQPs within the cancellable period.

Business operations

• One-stop settlement: Alipay+ provides a unified funds clearing and settlement service for the MPPs. Instead of mutual settlement, the MPPs only need to settle with Alipay+, which greatly simplifies the funds processing and improves the settlement efficiency.
• Alipay+ Partner Workspace: Alipay+ Partner Workspace is a platform where the MPPs can execute operational tasks related to the Alipay+ business, which includes transaction management, risk management, account management, dispute handling, and integration.

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:

Figure 3. Merchant-presented Mode Payment (order code) workflow

The workflow contains the following steps:

1. The user 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 user confirms to pay.

Entry code

The following figure illustrates the Merchant-presented Mode Payment workflow when the QR code is an entry code:

Figure 4. Merchant-presented Mode Payment (entry code) workflow

The workflow contains the following steps:

1. The user uses the MPP app to scan the QR code that is presented by the merchant.
2. The user 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 user confirms to pay.

Page Detail Requirements

This section introduces the page detail requirements for the following important pages for Merchant-presented Mode Payment:

• Scan page
• Payment Confirmation Page
• Payment Result Page
• Transaction Detail Page

Scan Page

The following figure illustrates the possible ways of displaying acceptance marks on the Scan Page based on the user's location.

Figure 5. Scan Page with varied acceptance marks

The following table lists the two types of acceptance marks and the conditions under which the logos are displayed.

Note:

• No logo needs to be displayed if the conditions listed in the table are not met.
• Up to two logos can be displayed on the Scan Page.

Payment Confirmation Page

The following figure illustrates the fields that can be displayed on the Payment Confirmation Page for Merchant-presented Mode Payment.

Figure 6. Fields for Payment Confirmation Page

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 following table lists additional information about the fields in Figure 6. Information on all of the fields 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 Confirmation Page.

Payment Result Page

The following figures illustrate the fields that can be displayed on the Payment Result Page for Merchant-presented Mode Payment.

Figure 7. 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.

Figure 8. Fields for Payment Result Page - payment fails

The following table lists additional information about the fields in Figure 7. 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.

Transaction Detail Page

The following figure illustrates the fields that can be displayed on the Transaction Detail Page for Merchant-presented Mode Payment.

Figure 9. Fields for Transaction Detail Page

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 following table lists additional information about the fields in Figure 8. Information on all of the fields 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 Transaction Detail Page.

Get started

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