Payment Providers

Provider Customer presented token Merchant Presented Token Website (e-comerce)
Afterpay
Alipay
Financialcard
Genoapay
Humm
LatitudePay
UnionPay
WeChat
ZipPay

Customer presented barcode

In the customer presented barcode workflow, the customer uses their phone to generate a barcode. The cashier scans the barcode from the customer, and the POS then creates a transaction on the UPP system. Customer presented barcodes are the recommended payment method as it is the fastest method of performing payments.

Alipay customer presented barcode user experience

Merchant presented barcode

In the merchant presented barcode, the merchant initiates the payment by sending a transaction request to UPP. The response of the payment request contains a barcode. The customer scans the barcode and enters their password on their mobile phone before the transaction is complete.

Alipay merchant presented barcode user experience