Alipay Payment Platform
Chinese digital wallet. 1B+ users. Essential for selling to Chinese consumers. Accept Alipay via Stripe, Adyen, and other PSPs.
Target Market
Alipay serves merchants selling to Chinese consumers (domestic or cross-border).
Chinese Consumers
1B+ users. Dominant in China. Essential for China market. Cross-border for overseas merchants.
Cross-Border
Chinese tourists. Overseas ecommerce. Alipay+ for global acceptance. Settlement in local currency.
Super App
Payments, lifestyle, travel. QR code payments. In-app and in-store.
How to Accept Alipay
Alipay is a payment method. Integrate via a payment provider that supports it.
Stripe
Stripe supports Alipay for cross-border. Redirect flow.
- Checkout, Payment Intents
- 2.9% + 30¢ (or similar)
- Cross-border settlement
Adyen
Adyen supports Alipay. Global. Direct acquiring.
- 250+ methods including Alipay
- Custom pricing
- Enterprise focus
Others
Worldpay, CyberSource, Adyen, Stripe, and others support Alipay.
- Redirect or in-app
- QR code for in-store
- Alipay+ partner network
Flow
Consumer selects Alipay, completes in Alipay app. Merchant receives settlement.
- Redirect to Alipay
- QR code for in-store
- Settlement: 1-7 days
Pros & Cons
Why add Alipay for Chinese consumers.
Advantages
- China market:
Essential for Chinese consumers. 1B+ users. Dominant in China.
- Cross-border:
Chinese tourists. Overseas ecommerce. Alipay+ expands reach.
Considerations
- Geography:
Only relevant if selling to Chinese consumers. Not for domestic-only US.
- PSP required:
Must use a PSP that supports Alipay. Stripe, Adyen, and others do.
Cost of Operating
Fees depend on your PSP. Typically 2-5% for cross-border.
Stripe
Pricing: 2.9% + 30¢ (or regional equivalent)
- Cross-border fees may apply
- Currency conversion
Other PSPs
Adyen, Worldpay, etc. Custom pricing for enterprise.
- Volume discounts
- Multi-currency
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