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About Alipay

Alipay is a popular payment method that shoppers based in China use to make payments online from their Alipay eWallet.

Shoppers should pre-register with Alipay before a payment attempt. The shopper chooses the Alipay payment method on the payment page and is redirected to the Alipay website to complete their payment.

Overview - Shopper journeys

There are three ways to make a payment:

  1. For a shopper on a desktop device, he or she can use a mobile device (phone, tablet, and so on) to scan the QR code that appears on the Alipay payment page. This is the most popular payment method, used by the majority of shoppers.

  2. For a shopper on a desktop device there is an alternative method - to use their Alipay credentials to log in to the Alipay payment page. With this method, no mobile device is needed.

  3. For a shopper on a mobile device there is a payment method optimised for use on mobile devices.

If you are a merchant with a direct integration, it's important that your integration identifies the type of device the shopper is using, and then opens the correct shopper journey. Journey 2 can work on a mobile device, but it is difficult to complete so conversion rates will be low.

For redirect merchants, we offer two payment options on the Worldpay hosted payment methods screen. A button called Alipay is for shoppers who have a desktop device, and another button called Alipay mobile for shoppers with mobile devices.

Shopper journey 1 - Desktop device but uses a mobile to scan a QR code

To make a payment with this method, your shopper:

  1. Selects the Alipay payment method from the payment methods screen.

  2. The shopper is redirected to the Alipay payment pages.

  3. Sees the QR code on the computer screen.

  4. Opens the Alipay app on his or her mobile device.

  5. Clicks SCAN on the mobile device screen.

  6. Puts the mobile device against the computer screen until the mobile device recognises the QR code.

  7. Clicks Confirm on the mobile device's confirmation screen.

  8. Enters their payment password on the app. The app verifies the payment password.

  9. In some cases, shoppers may have to complete an extra verification step. For example, the shopper is prompted for the last six digits of their national ID number. Alipay's risk policy decides whether this step occurs or not.

  10. The Alipay app confirms that the payment has been successful.

  11. The computer screen automatically changes to show a confirmation message.

  12. Payment success message and a redirect to the success URL.

  13. Worldpay success URL or your own success URL.

Shopper journey 2 - Log on to the Alipay payment page

To make a payment with this method, your shopper:

  1. Selects the Alipay payment method from the payment methods screen.

  2. The shopper is redirected to the Alipay payment pages.

  3. The shopper lands on the Alipay landing page.

  4. The shopper selects the pay-on-screen option, which doesn't need a mobile device. This is the blue button below the screen graphic on the right. Once the shopper clicks on the blue button, the sign in page appears.

  5. The shopper enters their credentials on the sign in page and clicks Confirm. Next, the shopper chooses the funding source and enters their payment password.

  6. The shopper enters their payment password and clicks Confirm. Alipay varifies the payment password.

  7. Alipay confirms that the payment is authorised.

  8. Alipay redirect the shopper

  9. Worldpay, or you, the merchant, shows the shopper a success page. The shopper has made their payment.

Shopper journey 3 - For mobile devices with the Alipay app

This journey applies to shoppers who have the Alipay mobile app loaded onto their phone and configured.

To make a payment with the Alipay mobile app your shopper:

  1. Selects the Alipay Mobile payment method from the Worldpay hosted payment methods screen, or your website.

  2. Worldpay redirects the shopper.

  3. The Alipay mobile app opens.

  4. The confirmation screen appears on the app.

  5. The shopper enters their password.

  6. The password is confirmed and the payment verified.

  7. The payment is successful and complete. The app will close automatically.

  8. For you, the merchant, to determine the success of the payment, you will need to consume the back-end notification from Worldpay or via an order enquiry. You must then redirect the shopper to the appropriate result page (i.e. Success).

Shopper journey 4 - For mobile devices without the Alipay app

To make a payment with this method, your shopper:

  1. Selects the Alipay payment method from the Worldpay hosted payment methods screen, or your website.

  2. The shopper enters their phone number, or something else such as an email address. In most cases the shopper enters their phone number here.

  3. Alipay can do an optional risk check at this point, otherwise the shopper goes direct to step 5. If Alipay make a risk check, they send the shopper a one-time PIN in an SMS text message. The shopper makes a note of the one-time PIN that arrives in an SMS text message. The PIN is in blue and underlined.

  4. To complete the risk check, the shopper enters the PIN into the field at the top of the screen.

  5. The shopper views the confirmation screen and taps the Confirm button (the blue button).

  6. The shopper enters their payment password, which is numeric.

  7. The shopper views the Alipay success page, and is then returned to your success URL, or the hosted payment page.

  8. This is the Worldpay success page - your own success page could be here instead.

Note:  The screenshots above are for guidance; they are correct as of November 2016. Alipay may vary the wording and the appearance of the screens at any time.

Integration considerations

It is important that you think about the following information when you integrate with Alipay, in addition to the general integration recommendations in the Overview and Categories sections.

Time out

By default, the shopper has 10 minutes to complete their payment on the Alipay website from the moment they log into their account.

This 10-minute timeout works well for merchants with perishable or time-critical merchandise (e.g. airline tickets).  However, it may not be optimal in other lines of business where fulfilment or reservation of goods is less urgent (e.g. phone credit). Merchants can ask Worldpay to impose a higher or lower timeout against their merchant code.

We advise merchants to think very carefully how this timeout is set, and if necessary to discuss their options with their support contact in Worldpay. Merchants should also advise their shoppers of the time-out values so as to reduce shopper abandonment.

Recipient

Merchants should consider making their shopper aware that:

  • Worldpay AP Limited appears as the payment recipient on the Alipay payment pages
  • Worldpay AP Limited appears as the payment recipient on the shopper’s Alipay statement
  • Worldpay AP Limited appears as the sender of the payment on the shopper’s Alipay statement in the case of a direct refund

Advising the shopper in this way may reduce shopper abandonment.

Compatibility

The Alipay service is compatible with a range of desktop devices and mobile devices, but the shopper journeys are different. Design your integration carefully so your system can identify the type of device (desktop or mobile) the shopper uses and run the correct shopper journey for each case.

Commercial activity (MCC codes)

Alipay do not associate with some types of business and commercial activities.

We provide a list of the permitted MCC codes in the spreadsheet here but recommend that you check with Alipay before you start your implementation. If your business type is not listed on the spreadsheet, you must check with Alipay before you start your implementation.

Payment method properties

Property Description/ Value

Payment type

eWallet

Countries

China

Acceptance Currencies

CNY, GBP, EUR, USD, AUD*, CAD*, HKD, SGD*.

Settlement to Worldpay Currency

GBP, EUR, USD, AUD*, CAD*, SGD*, HKD.

If the acceptance currency is CNY, then the settlement currency must be USD.

All other acceptance currencies will settle in the same currency as the accepted currency. For example, if the acceptance currency is GBP, then the settlement currency must be GBP.

* Currency is supported for the ALIPAY-SSL payment method. Support for these currencies through ALIPAYMOBILE-SSL will be developed in the future.

Preferred Currency

CNY

Shopper Debit Currency

CNY

Minimum amount for a single transaction

1 AUD

1 CAD

1 CNY

0.01 EUR

0.01 GBP

1 HKD

1 SGD

0.01 USD

Maximum amount for a single transaction

(Individual card issuers and banks may also impose their own limits)

The standard default is 3000 CNY or the equivalent. Exchange rates vary, so use the following amounts as a guide only:

600 AUD

575 CAD

380 EUR

340 GBP

3,500 HKD

600 SGD

450 USD

If you have one of the following merchant codes (MCC) then there is no limit on a single transaction. The MCC codes are:

4111 Local and suburban commuter passenger transport, including ferries

4131 Bus lines

4511 Airlines and air carriers

4722 Travel agencies and tour operators

7032 Sporting and recreational camps

5309 Duty-free shops

5944 Watch, Clock, Jewellery, and Silverware Stores

4411 Steamships and cruise lines

4512 Airline ticket agencies

7011 Lodging — hotels, motels and resorts

4513 Airline ticket platforms

8220 Colleges, universities, professional schools and junior colleges

5691 Men’s and women’s clothing shops

7512 Car rentals

Note:  If you need higher limits and your business is not in one of the MCCs above, contact Alipay with your reasons for the change. Alipay may be able to raise your limits in some cases.

Direct Refunds (Yes/No)

Yes.  Refer to WPG Refunds Capability table for limitations.

Direct Refund Period

Refer to WPG Refunds Capability table for limitations.

Bank Transfer Refunds (Yes/No)

Yes.  Refer to WPG Refunds Capability table for limitations.

Bank Transfer Refund Period

Refer to Refunding Alternative Payments Guidefor limitations

Chargebacks (Yes/No)

No. Chargebacks are not supported and payments are guaranteed.

Alipay will only re-credit the shopper and debit you, the merchant, if Alipay receive a shopper complaint and there is evidence that you have compromised the security of that payment.

Payment Method Mask

ALIPAY-SSL

or

ALIPAYMOBILE-SSL for an integration optimised for mobile devices

Supported Languages

ZH

Statement Narrative (Yes/No)

Yes

Dynamic Descriptor (Yes/No)

Yes

Payment Traceability

Payment ID -  this is searchable in WorldPay’s Back Office system. It is shown on the Alipay payment pages and the shopper's Alipay statement.

Order Code - this is searchable in the MI and in WorldPay’s Back Office system. It is shown on the Alipay payment pages and the shopper’s Alipay statement.

Direct Model (Yes/No)

Yes

Hosted Payment Pages (HPP) Model (Yes/No)

Yes

Sandbox (Yes/No)

Yes for ALIPAY-SSL

No for ALIPAYMOBILE-SSL

Use ALIPAY-SSL to test the integration. In the future, we plan to improve Sandbox so it can test Alipay Mobile.

Service Level

M-Level

Restrictions

Alipay do not support adult services or gambling merchants.

Transaction limits

The default limit for a single transaction is CNY 3,000. But if you have the following MCC

Payment timetable

The payment status is expected to change according to the following timetable:

Trigger Delay WPG Payment status changes to Notes

Shopper chooses Alipay method

0

Payment is created in SHOPPER _REDIRECTED status.

 

Shopper makes immediate payment on the Alipay website

Typically minutes

 

Payment made either by the eWallet balance, card, bank transfer or by emailing a payment URL.

PSP authorises the payment

0 minutes

AUTHORISED

The payment is authorised in real time.

Worldpay capture the payment

< 1 hour

CAPTURED

 

Worldpay clears and settles the payment internally

4 - 6 days

SETTLED

 

Worldpay settles to the merchant

n working days

 

The settlement to the merchant occurs according to the normal merchant settlement cycle.

Alipay: Example XML order