Alipay

Overview - Alipay

Alipay is the most important e-wallet in China and has a potential reach to over 520 million registerd users.

A customer can place his cards or bank account behind the Alipay wallet as the prefered payment instruments. A payment can either be executed in the web via a login into the Alipay account or via the Alipay mobile app which is most commonly used by the Alipay users. With the mobile app the user can either scan a QR-code referencing the order or the app will be automatically opened in case the user shops with the mobile device.

There are no chargebacks and there is a very high consumer trust due to the strong brand awareness. Therefore Alipay is a must-have payment method for any businesses that want to reach out to Chinese shoppers.

Customer Experience - Alipay

Optionally a user could also scan a QR-code with his mobile app (step 3) and authorize and execute the payment via the app.

PayEngine Details - Alipay

General

Name	Details
Product	Alipay
Channels	ECOM
Currencies	AUD, CAD, EUR, GBP, HKD, SGD, USD
Countries	Crossborder (outside of China)
Technical Flow	Asynchronous
Recurring	No
Chargebacks	No

Supported Features and Services

Name	Details
Debit	Yes
Preauthorization	No
Cancelation	No
Cancelation	No
Refunds	Yes
Notifications	Yes (webhook and email)
Settlement Reporting	Yes (Unified Settlement Reporting)

Integration Types

Name	Details
API	Yes
Widget	Yes
Bridge	No
Shop Plugin	No

Integration via API - Alipay

Technical Flow

Webhook notifications

As it is not ensured at the time of the redirect to the shop that the payment was 100% successful the Payengine waits for the final asynchronous notification from the bank before a status is moved from PENDING into SUCCESS or FAILURE.

A merchant should register for the Payengine webhook notifications in order to receive this final status update. A GET on the order or DEBIT transaction would also work, but it is not ensured that the final status will be available immediately after the redirect and a merchant might have to query the GET multiple times. Therefore it is strongly recommended that the asynchronous notifications from the Payengine are used insted.

The notifications could be subscribed:

via the payengine API (link to API documentation)
via the Payengine Merchant Center (link to Merchant Center notifications documentation)

The following events have to be subscribed for in order to receive the Alipay notifications, depending on the preferred source of notification.

Source	Event
API	notificationState = UPDATED
Merchant Center	event type = order update success event type = order update failure

Specifications - Alipay

Alipay input parameters

The following input parameters are required for initiating an Alipay payment via direct API integration.

Parameter	Mandatory/Optional (M/O)	Description	Example
payment.accountHolder	O	Name of the bank account holder	John Doe
async.successUrl	M	Redirect URL for successful payment	http://my.shop.com/success
async.failureUrl	M	Redirect URL for unsuccessful payment	http://my.shop.com/fail
async.cancelUrl	М	Redirect URL when payment is canceled	http://my.shop.com/cancel
meta.mobileView	O	Set to “true” for the mobile enabled variant of Alipay	true
meta.preferredLanguage	O	preferredLanguage	en

Samples

Debit transaction

POST /orders/debit

Alipay Debit Request

{
                "product" : "alipay",
                "terms": 1468590412476,
                "privacy": 1468590412476,

Alipay Debit Response

{
                "createdAt": 1554964122158,
                "modifiedAt": 1554964122173,
                "merchantId": "merchant_pwtmsdg1wt",

Refund transaction

POST /orders/{{orderId}}/transactions/{{transactionId}}/refund

Alipay Refund Request

{
                "initialAmount": 10,
                "currency": "EUR",
                "description": "string",

Alipay Refund Response

{
                "createdAt": 1554966733820,
                "modifiedAt": 1554966733821,
                "type": "REFUND",

Settlements

All settlement information will be provided in the Unified Settlement Report. The format and mappings can be found in the corresponding documentation (see Unified Settlement Report).