Alipay+ User-Presented Mode (UPM)

Accept in-store payments from Alipay+ users by scanning the customer's payment barcode through your point-of-sale system (POS).

Overview

User-Presented Mode (B scan C) allows merchants to scan a barcode or QR code displayed by the customer in their wallet app. This is ideal for high-volume retail environments where the merchant has a barcode scanner at their point-of-sale terminal.

Key Features:

• ✅ Fast checkout - Scan and process in seconds
• ✅ Multiple wallets - Accept payments from 12+ Alipay+ partner wallets
• ✅ Familiar flow - Similar to scanning product barcodes
• ✅ High volume - Perfect for busy retail environments
• ✅ Cross-border - Accept payments from international tourists

Supported Regions

Region	Currency	Min Amount	Max Amount	API Version
Thailand	THB	฿20.00	฿150,000.00	2017-11-02
Singapore	SGD	$1.00	$20,000.00	2017-11-02

Supported Wallets

Wallet	Thailand	Singapore
Alipay CN	✅	✅
Alipay HK	✅	✅
KakaoPay	✅	✅
GCash	✅	—
Touch 'n Go	✅	✅
TrueMoney	✅	—

How It Works

Payment Flow:

1. Customer opens their wallet app
2. Customer displays their payment barcode/QR code
3. Merchant scans the barcode using POS terminal
4. Charge is created automatically with the barcode
5. Payment is processed instantly
6. Both parties receive confirmation

Typical completion time: 5-15 seconds

Implementation

Create Charge with Barcode

For UPM, you create the charge directly with the scanned barcode:

cURL

curl https://api.omise.co/charges \
  -u $OMISE_SECRET_KEY: \
  -d "amount=150000" \
  -d "currency=THB" \
  -d "source[type]=alipayplus_upm" \
  -d "source[barcode]=2897991359827699709"

Node.js

const omise = require('omise')({
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

const charge = await omise.charges.create({
    amount: 150000,
    currency: 'THB',
    source: {
        type: 'alipayplus_upm',
        barcode: '2897991359827699709'  // Scanned from customer's wallet
    }
});

console.log('Charge status:', charge.status);

PHP

<?php
$charge = OmiseCharge::create([
    'amount' => 150000,
    'currency' => 'THB',
    'source' => [
        'type' => 'alipayplus_upm',
        'barcode' => '2897991359827699709'
    ]
]);

echo "Status: " . $charge['status'];
?>

Handle Response

app.post('/pos/payment', async (req, res) => {
    const { amount, barcode } = req.body;

    try {
        const charge = await omise.charges.create({
            amount: amount,
            currency: 'THB',
            source: {
                type: 'alipayplus_upm',
                barcode: barcode
            }
        });

        if (charge.status === 'successful') {
            // Payment successful immediately
            printReceipt(charge);
            res.json({ success: true, charge_id: charge.id });
        } else if (charge.status === 'pending') {
            // Wait for webhook
            res.json({ success: false, message: 'Awaiting confirmation' });
        } else {
            res.json({ success: false, message: charge.failure_message });
        }
    } catch (error) {
        res.json({ success: false, message: error.message });
    }
});

Handle Webhook

app.post('/webhooks/omise', (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete') {
        const charge = event.data;
        if (charge.status === 'successful') {
            notifyPOS(charge.id, 'success');
        } else if (charge.status === 'failed') {
            notifyPOS(charge.id, 'failed', charge.failure_message);
        }
    }

    res.status(200).send('OK');
});

Charge Status Values

Status	Description
pending	Awaiting authorization from wallet
successful	Payment completed
failed	Payment declined or failed
expired	Charge time limit exceeded

Failure Codes

Code	Description
payment_expired	Payment expired
payment_rejected	Payment rejected by issuer
insufficient_fund	Insufficient funds or limit reached
failed_processing	General processing failure

Refunds & Voiding

• Void window: Until 16:15 UTC on the transaction date
• Refund window: Within 1 year of the transaction
• Partial refunds: Supported

Best Practices

1. Train staff - Ensure staff know how to prompt customers to show barcode
2. Good scanner - Use a reliable barcode scanner
3. Handle errors - Display clear error messages
4. Fast timeout - UPM should be nearly instant

FAQ

What is User-Presented Mode (UPM)?

UPM, also known as "B scan C" (Business scans Customer), is an in-store payment method where the customer displays a barcode/QR code from their wallet app and the merchant scans it. This is faster than MPM and ideal for high-volume retail.

What's the difference between MPM and UPM?

In MPM, the merchant displays a QR code and the customer scans it. In UPM, the customer displays a barcode and the merchant scans it. UPM is typically faster (5-15 seconds) because it requires fewer steps from the customer.

What type of scanner do I need?

Any standard barcode scanner that can read 1D and 2D barcodes will work. Most modern POS systems already include compatible scanners. The scanner needs to read the numeric barcode from the customer's wallet app.

Which wallets support UPM?

UPM is supported by all Alipay+ partner wallets: Alipay CN, Alipay HK, KakaoPay, GCash, Touch 'n Go, and TrueMoney. Availability depends on your region.

How do I handle payment failures?

Payment failures are returned immediately in the charge response. Check the failure_code field for details (e.g., insufficient_fund, payment_rejected, payment_expired). Display a clear error message and allow retry.

Is UPM faster than MPM?

Yes, UPM is typically faster. Since you're scanning a pre-generated barcode from the customer's app, there's no need to generate a QR code or wait for the customer to scan. Typical completion time is 5-15 seconds.

Related Resources

• Alipay+ Overview - Full Alipay+ ecosystem guide
• Alipay+ MPM - Merchant-Presented Mode
• QR Payments - Other QR payment methods