Alipay payments

Alipay is a digital wallet in China that has more than a billion active users worldwide. Alipay users can pay on the web or on a mobile device using login credentials or their Alipay app. Alipay has a low dispute rate and reduces fraud by authenticating payments using the customer’s login credentials.

Prohibited business categories

Both Stripe and Alipay maintain a list of prohibited businesses that aren’t allowed to use their services. To use Alipay on Stripe, your business can’t be restricted from using Stripe or appear on Alipay’s prohibited business list. If you’re not sure if your business is a prohibited business, or have questions about how these requirements apply to you, please contact support.

Get started

We recommend you use Checkout or the Payment Element so you can automatically add Alipay and other payment methods from the Stripe Dashboard, without changing your code. Stripe then determines the list of supported payment methods to show each customer by evaluating the currency, payment method restrictions, and other parameters.

Payment Links also supports adding Alipay from the Dashboard.

If you prefer to manually list payment methods, learn how to manually configure Alipay as a payment.

Disputed payments

Alipay payments have a low risk of fraud or unrecognized payments because the customer must authenticate the payment, so no dispute process exists that could create chargebacks and withdraw funds from your Stripe account. If an Alipay user contacts them about a problem with a transaction, they may direct that user to you for a resolution.

Refunds

You can refund Alipay payments up to 90 days after the original payment. Refunds for Alipay payments are asynchronous and take up to 5 minutes to complete. Stripe notifies you of the final refund status using the charge.refund.updated webhook event. When a refund succeeds, the status of the Refund object transitions to succeeded. If a refund fails, the status of the Refund object transitions to failed and Stripe returns the amount to your Stripe balance. At this point, you need to arrange an alternative way of providing your customer with a refund.

Supported currencies

You can create Alipay payments in the currencies that map to your country. The default local currency for Alipay is cny and customers also see their purchase amount in cny.

If you have a bank account in another currency and would like to create an Alipay payment in that currency, you can contact support. Support for additional currencies is provided on a case-by-case basis.