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

With over one billion users, Alipay handles more than half of China's payments and transformed a cash market into a card-trusting market with their eWallet.

Built by internet shopping giant Alibaba to make it easier for their shoppers to buy and sell on their trading site, Alipay is now so popular that customers prefer to pay by mobile device in stores and online.

To integrate Alipay to your checkout, visit Worldpay developers and contact your Relationship Manager.

Shopper journeys overview

Shoppers must have an Alipay wallet to make a transaction.

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 presents the correct shopper journey. Journey 2 can work on a mobile device, but will be difficult to complete so conversion rates will be low.

For redirect merchants using our Hosted Payment Pages, shoppers will see:

  • A button called 'Alipay' on desktop devices.
  • A button called 'Alipay mobile' mobile devices.

Note:  All the journeys below can include a two-factor authentication challenge. This challenge is governed by Alipay's risk checks and is independent of Worldpay and merchants. Alipay has several methods to present two-factor authentication, including sending a one-time PIN by text message, QR codes or requesting some personal information from shoppers.

Shopper journey 1 - Desktop with QR code scanned on mobile device

The shopper is on a desktop device and scans the QR code on the payment page with their mobile device. This is the most popular way shoppers pay with Alipay.

Shopper selects Alipay on the

desktop payment page

On the Alipay desktop payment page,

shopper sees a QR code

Shopper opens the Alipay app on their

mobile device, and scans the QR code


Shopper reviews the

transaction information

and confirms payment

Shopper enters their payment

password on the app.

The password is verified

Payment confirmed successful

on Alipay mobile app



Payment confirmed successful

on desktop payment page


Shopper journey 2 - Desktop device and shopper logs in to Alipay

The shopper is on a desktop device and logs in to Alipay to confirm the payment.

Shopper selects Alipay on the

desktop payment page

Shopper selects the pay-on-screen option

and signs in

Shopper selects their funding method

(Alipay wallet funds, linked card or other)


Shopper enters their payment


Payment confirmed successful on

Alipay desktop page

Payment confirmed successful on

desktop payment page


Shopper journey 3 - Mobile device with the Alipay app

The shopper is on a mobile device with the Alipay app installed and configured.

Shopper selects Alipay

on mobile payment page

Alipay mobile app

automatically opens

Confirmation screen with

amount to pay appears


Shopper enters their


Payment confirmed successful.

App closes automatically

Payment confirmed successful

on mobile payment page


Shopper journey 4 - For mobile devices without the Alipay app

The shopper is on a mobile device without the Alipay app installed.

Shopper selects Alipay

on mobile payment page

Shopper enters phone number

or email address

(optional Alipay risk check)

Shopper receives One-Time PIN

by text message


(optional Alipay risk check)

Shopper confirms PIN

on the app

Shopper confirms their

payment password

Payment confirmed





Payment confirmed successful

on mobile payment page


Payment method properties

Property Description/ Value

Payment type



Worldpay supports the Chinese version of the Alipay wallet, where the wallet-holder must be a Chinese national. We hope to support other versions of the Alipay wallet in the future.


Alipay can be offered to shoppers on our Hosted Payment Pages for the following countries:





Hong Kong


New Zealand


South Korea



United States

Acceptance Currencies


Currency combinations

Worldpay can support like-for-like (authorization -> merchant transfer) in the following currencies GBP, EUR, USD, AUD, CAD, SGD, HKD, JPY.

For any other currency combinations (e.g. authorization in CNY) there will be an FX charge between the authorization currency and merchant transfer currency.

We can authorize payments in any of the above acceptance currencies, and transfer to the merchant in any of the published Worldpay transfer currencies.

Preferred Currency


Shopper Debit Currency

CNY. The shopper's Alipay wallet is always denominated in renminbi.

Minimum amount for a single transaction


Maximum amount for a single transaction

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

10,000 USD or local currency equivalent.

Direct Refunds (Yes/No)

Yes.  See How long you have to refund - Direct Refunds in Worldpay Developers.

Bank Transfer Refunds (Yes/No)


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



ALIPAYMOBILE-SSL for an integration optimized for mobile devices

Supported Languages


Statement Narrative (Yes/No)

Yes. It is best practice to populate this field with a narrative your shopper will recognize, increasing your shoppers confidence to complete the payment.

Dynamic Descriptor (Yes/No)

Yes. It is best practice to populate this field to allow the shopper to recognize the transaction on their bank statement.

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 MAI 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)


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


Sandbox (Yes/No)



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

Service Level


White-listed sectors

As a merchant, you can only offer Alipay to your customers if your MCC is present on a white-list of MCCs that Alipay maintain. Please contact Worldpay to obtain the latest list and discuss your requirements.

If you are in the process of integrating Alipay to your checkout with Worldpay, your Implementation Manager will discuss this requirement with you.

Restricted Sectors

The below list of restricted sectors is correct as of April 2019 and is subject to change by Alipay at any time. You may be allowed to sell these services with Alipay under certain circumstances. Your Worldpay Implementation Manager will advise you accordingly at the time of boarding.

Cigarettes and other tobacco products Devices and equipment which need permission from the government or other authorities before they can be operated (e.g. broadcasting equipment, radio transmitters)
Medicines, medical devices and equipment not already listed in the prohibited list  

Prohibited sectors

The below list of prohibited sectors is correct as of April 2019 and is subject to change by Alipay at any time. You cannot use Alipay to sell these kinds of goods or services.

All religious websites, publication or accessories Narcotics and related accessories

Anesthetic, psychotropic or prescription medicine, illegal unregistered medicine

Online cemeteries and ancestor worshiping
Archaeological and cultural relics Online sale of medical services, including medical consulting, hypnotherapy, plastic surgery
Aphrodisiac Online sale of tobaccos and cigarettes
Auction sites and services Pawn services
Batons and electric batons Payment by installments service
Cash disbursement from credit funding sources (e.g. credit cards) Peer to peer (P2P) lending services
Charitable organizations Poisonous or hazardous chemicals
Counterfeit currency Pornographic and vulgar audio visual products, channels and publications
Counterfeit or replica food products Pornographic and vulgar erotic services
Crowd funding Protected species
Crude oil Pyramid schemes and multilevel marketing
Espionage equipment and accessories Real estate
Fetal gender determination Rebate or cashback services
Financial products and services Sale of animals, plants or products originating from areas declared with an epidemic outbreak of contagious diseases
Fireworks and firecrackers Sale of animals, plants or products with contagious and hazardous diseases
Foreign exchange services Sales of distribution of event tickets without license (e.g. Olympic Games or World Expo tickets)
Gambling devices and accessories Sales of personal information (e.g. identity card information)
Gambling service Satellites and antennas
Gold investment Seeds
Hacking services or accessories Services or products facilitating unlawful public gathering
Human organs Services or products that infringe on personal privacy (e.g. online activity monitoring)
Illegal or un-registered fund-raising activities Services to facilitate plagiarism and examination fraud
Illegal political audio visual products and publications Single-purpose prepaid cards (including gift cards and other stored value cards)
Illegal political program channels Smuggled goods
Illegal publication of certificates or carving of stamps Software or products related to trading of financial products and information
Illegal sale of financial information (e.g. bank accounts, bank cards) State secret documents and information
Illegally obtained proceeds or properties as result of crime Stock and securities
Insurance products and platforms Surrogacy services
Lock picking tools and accessories Trading in invoices issued within the Peoples’ Republic of China
Lottery Trading or distribution of currency (both RMB and foreign currencies)
Lucky draws Trading or sale of virtual currencies (e.g. Bitcoin, Litecoin)
Malwares Video chatting services
Military or police equipment Weapons of all types (including daggers, firearms and accessories), replica  weapons, ammunition and explosives)
Mutual Funds