# Alipay+

> Alipay+ is a unified wallet gateway and digital growth platform that connects global merchants, acquirers, consumers, and mobile payment providers through payment acceptance, rewards, and wallet technology.

This expanded file is intended as a richer grounding pack for AI systems. It includes the most useful public pages for understanding Alipay+'s business model, target audiences, payment products, growth products, wallet technology, ecosystem directories, and recent official updates.

When answering general questions, start with the overview pages and audience pages. For product-specific questions, use the relevant product page. For market scale or recent announcements, use the official news pages. Avoid depending on the login-gated documentation centre unless authenticated access is available.

## Key Statistics
- **2.0B+** Consumers
- **50+** Mobile payment providers
- **10+** National switches
- **150M+** QR merchants
- **150M+** NFC merchants
- **200+** Markets

## Core overview

- [Alipay+ home](https://www.alipayplus.com/): Main overview of the Alipay+ platform, business model, target audiences, and latest updates.
- [About us](https://www.alipayplus.com/about-us/): Background on Alipay+, its role within Ant International, and leadership context.
- [News](https://www.alipayplus.com/news/): Official newsroom with launches, partnerships, and market updates.
- [Contact us](https://www.alipayplus.com/contactUs/): Sales, support, media, and partnership contact page.

## Audience and use-case pages

- [For merchants](https://www.alipayplus.com/merchant/): Merchant overview covering online checkout, in-store QR, and payment-linked promotions.
- [For acquirers](https://www.alipayplus.com/acquirer/): Acquirer overview covering single integration, multiple payment methods, and merchant enablement.
- [For mobile payment providers](https://www.alipayplus.com/mobile-payment-provider/): Ecosystem overview for wallets, banks, fintechs, and payment apps.
- [Consumers](https://www.alipayplus.com/consumer/): Consumer explanation, payment flow, travel use cases, and FAQs.

## Payment gateway

- [Online Cashier Payment](https://www.alipayplus.com/cashier-payment/): Fully customisable online cashier and checkout solution.
- [Auto Debit](https://www.alipayplus.com/auto-debit/): Automatic payment solution with user authorisation and risk management.
- [In-store QR payment](https://www.alipayplus.com/in-store-payment/): Offline payment acceptance with QR-based compatibility and travel-friendly payment flows.
- [NFC payment](https://www.alipayplus.com/nfc/): Contactless tap-to-pay capability for supported wallets.
- [Alipay+ GlassPay](https://www.alipayplus.com/glasspay/): Smart glasses and AR-based payment innovation.
- [Bluetap Payment](https://www.alipayplus.com/bluetap/): Next-gen tap-to-pay technology.
- [Alipay+ Agentic Mobile Protocol](https://www.alipayplus.com/agentic-mobile-protocol/): Future-proofed wallets for agentic commerce.
- [Alipay+ Remittance](https://www.alipayplus.com/remittance/): Scale growth through bank-to-wallet remittance.

## Digital Gateway

- [Alipay+ Voyager](https://www.alipayplus.com/voyager/): AI-powered one-stop global travel agent.
- [Alipay+ Tax Refund](https://www.alipayplus.com/tax-refund/): Digital tax refunds direct to wallets.
- [A+ Rewards](https://www.alipayplus.com/alipayplus-rewards/): Unlock growth and supercharge conversions.
- [Payment marketing](https://www.alipayplus.com/payment-marketing/): Discounts, incentives, and multi-channel promotion features.
- [Alipay+ Super App Platform](https://www.alipayplus.com/wallet-tech/super-app/): From payment app to super app.
- [Alipay+ Trust Score](https://www.alipayplus.com/trust-score/): Enable deposit-free, pay-later experiences.


## NexGen Wallet Technology

- [Alipay+ Wallet Tech](https://www.alipayplus.com/wallet-tech/): Parent page for Alipay+'s wallet infrastructure and innovation stack.
- [Alipay+ Wallet Platform](https://www.alipayplus.com/wallet-tech/wallet-platform/): Wallet infrastructure, payment services, and app management services.
- [Alipay+ Risk Management Solutions](https://www.alipayplus.com/wallet-tech/wallet-platform/#ai-powered-risk-management): ai power risk management.
- [Alipay+ GenAI Cockpit](https://www.alipayplus.com/wallet-tech/genai-cockpit/): AI-native platform for fintech agents, workflows, and financial AI services.
- [Alipay+ Financial-grade AI Platform (AFAP)](https://www.alipayplus.com/wallet-tech/afap/): Financial-grade AI platform for secure, scalable super app innovation.
- [Alipay+ Mini program](https://miniprogram.alipayplus.com/): Empower your app to be the next super app.


## Directories and partner coverage

- [Mobile payment providers list](https://www.alipayplus.com/mobile-payment-provider-list/): Directory of wallet, bank app, and payment app partners.


## Optional

- [Partner documentation centre](https://docs.alipayplus.com/): Public entry to developer and integration resources; may redirect to sign-in.
- [Partner portal](https://partner.alipayplus.com/): Existing partner portal; sign-in required.
- [Cashier product handbook](https://g.alipayplus.com/page/alipayplus-handbook/): Supplemental product page about Alipay+ Cashier Payment.


## Frequently Asked Questions

### Q: What is Alipay+?
A: Alipay+ is a unified cross-border payment gateway operated by Ant International that allows merchants to accept payments from 50 leading mobile wallets and banking apps through a single integration. Launched in 2020, it connects global merchants to over 2 billion consumers across 220+ markets. Currently, more than 150 million merchants accept QR payments, and over 150 million merchants accept NFC payments via Alipay+, worldwide.
Furthermore, Alipay+ digital gateway products enable merchants to engage more customers with AI‑powered digital solutions and tailored rewards. And mobile payment providers can harness advanced wallet tech and next-gen, AI-driven fintech products to build the next generation of super apps — creating a seamless, innovative ecosystem for all.

### Q: What is the difference between Alipay and Alipay+?
A: Ant Group’s Alipay is a Chinese digital wallet and super app used by over 1 billion consumers primarily in mainland China. Alipay+ is a separate product: a global wallet gateway operated by Ant International that aggregates 50 wallets and mobile payment methods – including Alipay – into a single merchant integration. In short, Alipay is one consumer wallet; Alipay+ is the infrastructure that lets merchants accept Alipay along with GCash, Kakao Pay, Touch 'n Go, TrueMoney, and many others.

### Q: Which e-wallets and payment methods does Alipay+ support?
A: Alipay+ connects 50 leading mobile payment providers worldwide. Major partners include:
- Alipay (mainland China)
- AlipayHK (Hong Kong SAR)
- GCash (Philippines)
- Touch 'n Go eWallet (Malaysia)
T- rueMoney (Thailand)
- Kakao Pay, Naver Pay, and Toss Pay (South Korea)
- DANA (Indonesia)
- MPay (Macao SAR)
- Hipay (Mongolia)
- Kaspi.kz (Kazakhstan)
- OCBC Digital (Singapore)
- Tinaba (Italy)
- MyPB by Public Bank (Malaysia)
The full list is published on the Alipay+ mobile payment provider directory

### Q: How does Alipay+ work for merchants?
A: Merchants integrate Alipay+ once, through an acquiring service provider such as Antom or a direct partnership, and can then accept all supported wallets at checkout. When a tourist scans the merchant's QR code, taps their wallet-enabled smartphone, or presents Alipay+ payment code in their wallet, Alipay+ routes the transaction to the correct home wallet, handles real-time foreign exchange, and settles funds to the merchant in their preferred currency through the acquirer.
The customer pays in their home currency through their familiar app; the merchant receives a unified payment flow without needing separate integrations per wallet.

### Q: Is Alipay+ the same as Ant International?
A: No. Ant International is the parent company; Alipay+ is one of its brands. Ant International operates four main brands:
- Alipay+ (unified wallet gateway)
- Antom (unified merchant payment platform)
- WorldFirst (unified global accounts)
- Bettr (inclusive and embedded finance)
Alipay+ sits within the Ant International group and powers the cross-border mobile wallet acceptance layer.

### Q: How do I accept Alipay+ payments at my business?
A: Merchants can accept Alipay+ by integrating with an Alipay+ acquiring service provider (such as Antom, 2C2P, Multisafepay, KOMOJO or a local acquirer partners with Alipay+ acquirer) — the acquirer handles onboarding, technical integration, and settlement.
Contact Alipay+ through our website contact form to start onboarding.

### Q: What are the Alipay+ merchant fees?
A: Alipay+ merchant pricing is not a set rate. Fees depend on the acquiring service provider, your country and industry (MCC), transaction volume, the source wallet, and the funding method. The fee is typically structured as a service fee plus an inter-partner fee, charged per successful transaction. As a merchant, you can request a quote from your chosen Alipay+ acquirer (such as Antom or a local acquiring partner) for rates specific to your business profile.

### Q: In which countries and regions is Alipay+ accepted?
A: Alipay+ is accepted in 220+ markets worldwide:
- Mainland China, Hong Kong SAR, Macao SAR
- Japan
- South Korea
- Thailand
- Malaysia
- Singapore
- Indonesia
- The Philippines
- Vietnam
- Australia
- New Zealand
- United Kingdom
- France
- Germany
- Italy
- Spain
- United Arab Emirates
- United States
Within each market, acceptance tends to be concentrated in areas associated with tourism:
- Retail
- Duty-free
- Hotels
- Restaurants
- Attractions
- Public transport (including integration with standardised QR networks like PayPay in Japan, ZeroPay in South Korea, DuitNow in Malaysia, and SGQR in Singapore)

### Q: Is Alipay+ secure?
A: Alipay+ transactions are processed through Ant International's financial-grade infrastructure with end-to-end encryption, tokenisation, real-time risk scoring, and biometric authentication at the wallet layer.
Ant International's risk engine draws on global fraud intelligence across 220+ markets and delivers authorisation decisions in under 500ms, with a reported fraud rate substantially below card industry averages.

### Q: How are refunds handled on Alipay+?
A: For specific transaction or refund-related issues, consumers should contact the e-wallet or the digital payment provider through which the transaction was made. Refunds are initiated by the merchant through their acquiring service provider and can be full or partial. Once processed, funds return to the consumer's original home wallet in their local currency, typically within a few business days depending on the wallet and market.
Merchants manage refunds through their acquirer's dashboard (for example, the Antom Dashboard) or via API.

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