QR Payment

QR payment includes two modes:

MPM (Merchant Presented Mode)

In MPM mode, the merchant generates and displays the QR code, and the customer uses their mobile wallet app to scan the code and complete the payment. The detailed process is as follows:

1. The merchant system submits an order payment request to PayCloud.
2. PayCloud processes the payment request and returns the QR code generated by the mobile wallet system to the merchant system.
3. The merchant system displays the QR code.
4. The customer uses their mobile wallet app to scan the QR code and complete the payment.
5. The merchant system receives the payment result notification, updates the order status, and informs the merchant to deliver the goods or services.

CPM (Customer Presented Mode)

In CPM mode, the customer generates a QR code using their mobile wallet app and presents it to the merchant. The detailed process is as follows:

1. The customer generates and shows a QR code using their mobile wallet app.
2. The merchant scans the QR code using their system.
3. The merchant system submits an order payment request to PayCloud with the QR code.
4. PayCloud processes the payment and get payment result, sends result notification to the merchant system.
5. The merchant system updates the order status and confirms the payment. The merchant delivers the goods or services to the customer.

Developer Guide

API List

The following table provides an overview of the QR payment related APIs.

Function List	Description
MPM (Merchant Presented Mode) - Get payment QR code	Submit a payment order through this API to get the QR code of the payment
CPM (Customer Presented Mode) - Submit payment request	The Merchant’s backend calls the Submit Pay API to initiate a payment.
Cancel Order	Close unpaid orders through this api and refund the user if payment has already occurred
Submit a refund request	If you submit a refund request through this API and the refund does not arrive immediately, you can call the refund inquiry API to get the progress of the refund.
Query order	Query the transaction result (consumption/pre-authorization/pre-authorization completion) of a positive transaction order through this API
Query refund	Query the transaction results of negative transaction orders (consumption cancellation/pre-authorization cancellation/consumption refund/pre-authorization completion refund) through this API
Transaction result notification	After the transaction, notify the merchant through this webhook to tell the merchant the result of the transaction

Quick Integration SDK

To simplify the integration process, we also provide SDKs or demos for several languages (see SDK/Demo section). These SDKs handle most of the necessary functionality, making the implementation of QR code payment processes easier.

Precautions

Precautions for CPM Mode

In CPM mode, we do not automatically identify the specific payment method of a QR code. Due to the unpublished nature of certain payment code rules or conflicts with other wallet applications, automatic identification is not possible. Therefore, merchants need to implement their own identification. To ensure accurate processing, we recommend the following steps:

1. Use a camera or barcode reader to scan the QR code or barcode and retrieve the numeric or string content.

2. Use regular expressions to automatically match the payment code. The supported payment methods and their corresponding regular expressions are as follows:

3. If the payment method cannot be automatically identified, provide options on the page for users to select manually.

4. Send the scanned content along with the identified payment method to our API using the parameters auth_code and pay_method_id.