How to Integrate Chinese Payment Gateways-Alipay,Tenpay,99bill

by ChineseTrans, Saturday, November 19th, 2011 at 9:05 am

(China eCommerce, Chinese Website, Technology)

As more and more business owners had decided to expand their markets in to Mainland China.

I have been often asked to help overseas online businesses to integrate Chinese payment gateways into their websites.

There are very few people in the technical markets could do this integration job as far as I know.


  • Alipay can support most sites, however not enough English information provided.
  • There had been a great improvement for this situation, however most of the instructions are still in Chinese. That’s why programmers who do not read Chinese could hardly understand and do the testing jobs.
  • Alipay customer service is much more slower than Chinese team. Many clients and programmers out there are looking for the translation of Alipay integration manuals, actually there is existing ones. Is that stupid for Alipay to “hide” the English documents?

about Alipay

Alipay ( is China’s leading third-party online payment solution, providing an easy, safe and secure way for millions of individuals and businesses to make and receive payments on the Internet. As of December 2010, Alipay had more than 550 million registered users and facilitated around 8.5 million transactions daily. Alipay provides an escrow payment service that reduces transaction risk for online consumers. Shoppers have the ability to verify whether they are happy with goods they have purchased before releasing funds to the seller. Alipay was a key catalyst in the growth of the online retail market in China from RMB 1 billion in gross merchandise volume (GMV) in 2003 to RMB 248 billion in GMV in 2009.

Alipay is the preferred online payment tool of Internet merchants due to its innovative product technology, unique concept and large user base. In addition to Taobao and, Alipay provides payment solutions in China for more than 500,000 external merchants for online retail, virtual gaming, digital communications, commercial services, air ticketing and utilities fee payment transactions.

Alipay partners with more than 65 financial institutions, including 19 leading national and 45 regional banks across China, as well as Visa and MasterCard. In addition, Alipay also facilitates offline value-added services through a strategic partnership with China Post, which has coverage of rural areas and university campuses.

In April 2010, Alipay announced that Alibaba Group will invest a total of RMB5 billion (USD732 million over the next five years to enhance infrastructure security; develop products to improve ease of use and convenience for customers; continue to grow a massive number of consumer accounts; build a comprehensive network of merchants; and retain and attract top-tier talent from the payments industry.

Alipay is an affiliate of Alibaba Group.



Your website must be located in mainland China and your site shall be filed with the authority

About Tenpay

Tenpay is the main competitor of Alipay. Tenpay is developed by Tencent which owns the most popular IM in China – QQ with more than 300 million users.

More than 200,000 shopping websites accept Tenpay. Tenpay is compatible with the e-banking service of major domestic bank. Users can use Tenpay to send payment, receive payment and withdraw money to bank account. Users can also use Tenpay to charge mobile, deposit money to game account, and buy air ticket. Tenpay also provides an excellent payment platform to corporate users, covering B2B, B2C and C2C areas.



Similar as Tenpay, Your website must be located in mainland China and your site shall be filed with the authority.


About 99Bill

99Bill (快钱) Corporation is an Internet company focusing on providing online payment platform services to facilitate online transactions in China. The easy installation and simple configuration bring you enjoyable experiences with our stable 99bill payment module.

Partners: 99Bill has put great emphasis on developing its industry chain and has over 80 banking or financial institutions with over 300 access points.

Merchants: 99Bill has over 1.1 million merchant partners that span 20 industries, including travel business, insurance, online shopping, logistics, clothing and education, etc.. 99Bill was the first to provide these merchant partners with innovative services like no-card credit card payment, large-amount online payment support and IVR voice payment.

Other China Gateways

There are some other China Payment gateways like Chinabank, Lakala, Yeepay, Baifubao, Sinapay, China UnionPay,CnCard and many more

Solve the Problems

There is not only technical problems, you should prepare in several ways.

Local Presence

if you want to integrate tenpay and 99bill, you must have your website in China local server.

I advise you to build a China local version website to deal with such problems.

Strict Testing

You need a working site without problems, esp. in the payment. You would never get money if payment module had problems. So you need test it again and again to ensure no problems happen.

Customer Service

Only payment is not enough, you should be able to answer your Chinese customers quickly so that you will win their trust and get more orders in the future.


I am happy to know your thoughts and needs for Chinese payment gateway integration. contact me if you have any doubt.



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