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width="1em" height="1em" fill="currentColor" aria-hidden="true"><path d="M689 165.1L308.2 493.5c-10.9 9.4-10.9 27.5 0 37L689 858.9c14.2 12.2 35 1.2 35-18.5V183.6c0-19.7-20.8-30.7-35-18.5z"></path></svg></span></div><div class="index_asideInner__TJCMW idocs-global-aside"><div class="index_home__VZiM1"><a href="../../"><svg class="icon icon-arrow-back" viewBox="0 0 6 10" width="6px" height="10px"><g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g transform="translate(-11.000000, -95.000000)" fill="currentColor"><g transform="translate(0.000000, 65.000000)"><g transform="translate(0.000000, 24.000000)"><g transform="translate(8.000000, 0.000000)"><g transform="translate(0.000000, 5.000000)"><path d="M7.5001875,10.5001875 C7.3081875,10.5001875 7.1161875,10.4266875 6.9699375,10.2804375 L3.2199375,6.5304375 C2.9266875,6.2371875 2.9266875,5.7631875 3.2199375,5.4699375 L6.9699375,1.7199375 C7.2631875,1.4266875 7.7371875,1.4266875 8.0304375,1.7199375 C8.3236875,2.0131875 8.3236875,2.4871875 8.0304375,2.7804375 L4.8106875,6.0001875 L8.0304375,9.2199375 C8.3236875,9.5131875 8.3236875,9.9871875 8.0304375,10.2804375 C7.8841875,10.4266875 7.6921875,10.5001875 7.5001875,10.5001875"></path></g></g></g></g></g></g></svg>Go to Homepage</a></div><div class="index_repoName__1VoMo index_withLine__cMLcO" title="Combined Payment"><span class="index_withLineInner__bV2ld">Combined Payment</span></div><div class=" style_dir-item__munV5 style_dir-item-selected__DCeRu style_dir-level-0__gx1cN style_dir-item-collapse__TNneF "><span class=""><a href="/docs/ac/combinedpay/overview" class="index_itemWrap__g-0ND" data-id="95af3464-1d28-4cbc-aef2-7e479d77db9d"><span class="index_tipsNode__prVPQ "><span class="index_linkNode__pEBfL">Product introduction</span></span></a></span></div></div></aside><main class="index_main__pHUcM index_hasRightNav__4ra7c idocs-global-main-with-toc" style="padding-left:264px;width:0"><article class="index_content__erxKk index_hasCopyRight__CySpq idocs-global-content"><div class="index_contentInner__-mCVX idocs-global-content-inner"><div class="docBody___3IKTH"><h1 class="title___1XlO5 anchored___1cJEP "><span class="anchor___lLHe_ anchorLink___1O6jb"><span role="img" aria-label="link" class="anticon anticon-link"><svg viewBox="64 64 896 896" focusable="false" data-icon="link" width="1em" height="1em" fill="currentColor" aria-hidden="true"><path d="M574 665.4a8.03 8.03 0 00-11.3 0L446.5 781.6c-53.8 53.8-144.6 59.5-204 0-59.5-59.5-53.8-150.2 0-204l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3l-39.8-39.8a8.03 8.03 0 00-11.3 0L191.4 526.5c-84.6 84.6-84.6 221.5 0 306s221.5 84.6 306 0l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3L574 665.4zm258.6-474c-84.6-84.6-221.5-84.6-306 0L410.3 307.6a8.03 8.03 0 000 11.3l39.7 39.7c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c53.8-53.8 144.6-59.5 204 0 59.5 59.5 53.8 150.2 0 204L665.3 562.6a8.03 8.03 0 000 11.3l39.8 39.8c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c84.5-84.6 84.5-221.5 0-306.1zM610.1 372.3a8.03 8.03 0 00-11.3 0L372.3 598.7a8.03 8.03 0 000 11.3l39.6 39.6c3.1 3.1 8.2 3.1 11.3 0l226.4-226.4c3.1-3.1 3.1-8.2 0-11.3l-39.5-39.6z"></path></svg></span></span><span><span>Product introduction</span></span></h1><div class="updateDate___sDIFL"><time style="color:var(--page-bg-color)" dateTime="2024-09-05T07:05:26.000Z">2024-09-05 07:05</time></div><div class="content___JoaoD yuqueContent___1-m6i"><div class="lake-content-editor-core lake-engine lake-typography-traditional" data-lake-element="root" data-selection-undefined="%7B%22path%22%3A%5B%5B0%2C0%2C0%2C0%2C1%5D%2C%5B0%2C0%2C0%2C0%2C1%5D%5D%2C%22active%22%3Atrue%7D"><p data-lake-id="f38d8409ee4383215e22af1a6083c2a6" id="u1e37b563" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Combined Payment allows buyers to complete purchases from various merchants with a single checkout process. After the payment is completed, </span><span>Antom</span><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px"> settles the funds separately to the corresponding merchants. Combined Payment can be applied to various scenarios, including but not limited to:</span></p><ul data-lake-id="2b1bd945594469f716cb0e7ca0dccd52" style="list-style-type:disc;padding-left:23px;margin:0px 0px 16px;font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word" lake-indent="0"><li data-lake-id="29c7891176b91da9f83ee1351fd01811"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">E-commerce platforms, where buyers can make purchases from multiple merchants and make a combined payment.</span></li><li data-lake-id="bfc78ef73372d295cbb5c10ede15070a"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Payment scenarios such as air travel, where buyers can make a single payment for both flight tickets and insurance, which are provided by different merchants.</span></li></ul><h2 data-lake-id="7757d90641957b7dd32b93f41888bb98" id="taPKO" style="padding:0px;font-weight:700;font-size:28px;line-height:38px;margin:32px 0px 16px" class="anchored___1cJEP h2 "><span data-id="taPKO" class="anchor___lLHe_ anchorLink___1O6jb"><span role="img" aria-label="link" class="anticon anticon-link"><svg viewBox="64 64 896 896" focusable="false" data-icon="link" width="1em" height="1em" fill="currentColor" aria-hidden="true"><path d="M574 665.4a8.03 8.03 0 00-11.3 0L446.5 781.6c-53.8 53.8-144.6 59.5-204 0-59.5-59.5-53.8-150.2 0-204l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3l-39.8-39.8a8.03 8.03 0 00-11.3 0L191.4 526.5c-84.6 84.6-84.6 221.5 0 306s221.5 84.6 306 0l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3L574 665.4zm258.6-474c-84.6-84.6-221.5-84.6-306 0L410.3 307.6a8.03 8.03 0 000 11.3l39.7 39.7c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c53.8-53.8 144.6-59.5 204 0 59.5 59.5 53.8 150.2 0 204L665.3 562.6a8.03 8.03 0 000 11.3l39.8 39.8c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c84.5-84.6 84.5-221.5 0-306.1zM610.1 372.3a8.03 8.03 0 00-11.3 0L372.3 598.7a8.03 8.03 0 000 11.3l39.6 39.6c3.1 3.1 8.2 3.1 11.3 0l226.4-226.4c3.1-3.1 3.1-8.2 0-11.3l-39.5-39.6z"></path></svg></span></span><span>Product highlight</span></h2><p data-lake-id="96900addbc5aaf8da9c556c234229e84" id="u416f9703" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Combined Payment supports one-time checkout for products purchased from multiple merchants and in various currencies. Buyers can make payments without being aware of the differences between merchants, therefore enhancing the buyer's user experience. With Combined Payment, you can:</span></p><ul data-lake-id="6ed401c3018ea6b5479296d1073450fb" style="list-style-type:disc;padding-left:23px;margin:0px 0px 16px;font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word" lake-indent="0"><li data-lake-id="d5698767a0db6e696f9a013257e4f5f1"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Increase average order value</span></li><li data-lake-id="45b2e04ef816dff92d73950e47b11b74"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Improve shopping cart conversion rate</span></li><li data-lake-id="9c685df6cbae45e7017786af2c7ce03a"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Boost your Gross Merchandise Volume (GMV)</span></li></ul><h2 data-lake-id="e177116acc8470725a18144e3809dee4" id="s4xQb" style="padding:0px;font-weight:700;font-size:28px;line-height:38px;margin:32px 0px 16px" class="anchored___1cJEP h2 "><span data-id="s4xQb" class="anchor___lLHe_ anchorLink___1O6jb"><span role="img" aria-label="link" class="anticon anticon-link"><svg viewBox="64 64 896 896" focusable="false" data-icon="link" width="1em" height="1em" fill="currentColor" aria-hidden="true"><path d="M574 665.4a8.03 8.03 0 00-11.3 0L446.5 781.6c-53.8 53.8-144.6 59.5-204 0-59.5-59.5-53.8-150.2 0-204l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3l-39.8-39.8a8.03 8.03 0 00-11.3 0L191.4 526.5c-84.6 84.6-84.6 221.5 0 306s221.5 84.6 306 0l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3L574 665.4zm258.6-474c-84.6-84.6-221.5-84.6-306 0L410.3 307.6a8.03 8.03 0 000 11.3l39.7 39.7c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c53.8-53.8 144.6-59.5 204 0 59.5 59.5 53.8 150.2 0 204L665.3 562.6a8.03 8.03 0 000 11.3l39.8 39.8c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c84.5-84.6 84.5-221.5 0-306.1zM610.1 372.3a8.03 8.03 0 00-11.3 0L372.3 598.7a8.03 8.03 0 000 11.3l39.6 39.6c3.1 3.1 8.2 3.1 11.3 0l226.4-226.4c3.1-3.1 3.1-8.2 0-11.3l-39.5-39.6z"></path></svg></span></span><span style="color:#333333">User experience</span></h2><p data-lake-id="38e1971192136fcab69b72703488402a" id="u0cdaf0cc" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="font-size:14px" data-mce-style="font-size: 11px">The user experience for </span><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Combined Payment</span><span class="lake-fontsize-11" style="font-size:14px" data-mce-style="font-size: 11px"> is as follows: </span></p><p data-lake-id="22073ca826f48d0eb67e978445f544e1" id="e9eeeeb6dbbd4f76e2ddd20accc96215" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span data-card-type="inline" data-lake-card="image" id="azN9G" style="display:block"><img alt="7dda77474fdd8d90461210d6d04ceaef.png" data-role="image" src="https://ac.alipay.com/storage/2020/5/11/793a3d8d-5270-405b-9362-e6a670b9c842.png" data-raw-src="" title="7dda77474fdd8d90461210d6d04ceaef.png" style="visibility:visible;width:2059.39382px;box-shadow:rgba(0, 0, 0, 0.15) 0px 3px 6px 0px" data-height="1285px" class="docs-image" data-src="https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1692174859091-c7a6996a-e63d-48df-9de2-e07e138eb911.png" loading="lazy"/></span></p><p data-lake-id="65eb8e88f4483f8fe02edad89719bb93" id="udc219241" style="text-align:center;font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="font-size:14px" data-mce-style="font-size: 11px">Figure 1. User experience for </span><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Combined Payment</span></p><h2 data-lake-id="12ab937b912bc7bfc54fa1974273c72b" id="hccR5" style="padding:0px;font-weight:700;font-size:28px;line-height:38px;margin:32px 0px 16px" class="anchored___1cJEP h2 "><span data-id="hccR5" class="anchor___lLHe_ anchorLink___1O6jb"><span role="img" aria-label="link" class="anticon anticon-link"><svg viewBox="64 64 896 896" focusable="false" data-icon="link" width="1em" height="1em" fill="currentColor" aria-hidden="true"><path d="M574 665.4a8.03 8.03 0 00-11.3 0L446.5 781.6c-53.8 53.8-144.6 59.5-204 0-59.5-59.5-53.8-150.2 0-204l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3l-39.8-39.8a8.03 8.03 0 00-11.3 0L191.4 526.5c-84.6 84.6-84.6 221.5 0 306s221.5 84.6 306 0l116.2-116.2c3.1-3.1 3.1-8.2 0-11.3L574 665.4zm258.6-474c-84.6-84.6-221.5-84.6-306 0L410.3 307.6a8.03 8.03 0 000 11.3l39.7 39.7c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c53.8-53.8 144.6-59.5 204 0 59.5 59.5 53.8 150.2 0 204L665.3 562.6a8.03 8.03 0 000 11.3l39.8 39.8c3.1 3.1 8.2 3.1 11.3 0l116.2-116.2c84.5-84.6 84.5-221.5 0-306.1zM610.1 372.3a8.03 8.03 0 00-11.3 0L372.3 598.7a8.03 8.03 0 000 11.3l39.6 39.6c3.1 3.1 8.2 3.1 11.3 0l226.4-226.4c3.1-3.1 3.1-8.2 0-11.3l-39.5-39.6z"></path></svg></span></span><span style="color:#333333">Workflow</span></h2><p data-lake-id="8821bfca8c404bfae68fc733bca61536" id="u8876789f" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><strong><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Payment</span></strong><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">: Buyers can select products from multiple merchants in their shopping cart and make a combined payment. </span></p><p data-lake-id="e3a7fd689c63a3b9d96deb6f456f42a2" id="u40e1e3b4" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><strong><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Refund</span></strong><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">: Buyers can make a partial or full refund. </span></p><p data-lake-id="ba63a70a84cf6fe9945ee77ec50007b5" id="u35b987da" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Using the example of a buyer shopping on an e-commerce platform and making a combined payment for products from multiple merchants, the system workflow is as follows:</span></p><p data-lake-id="086b3f0217a8dc8b79f90ee86af0a69a" id="u31f22a52" style="text-align:center;font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span data-card-type="inline" data-lake-card="image" id="u66d41a3b" style="display:block"><img alt="英文-合并付款备份@3x.png" data-role="image" src="https://ac.alipay.com/storage/2020/5/11/793a3d8d-5270-405b-9362-e6a670b9c842.png" data-raw-src="" title="英文-合并付款备份@3x.png" style="visibility:visible;width:608.666687px;border:1px solid rgb(229, 229, 229)" data-height="393px" class="docs-image" data-src="https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1693277583722-09217e44-8918-41a8-b3e9-5e2ce2af47ff.png" loading="lazy"/></span></p><p data-lake-id="527ad4ea634b9781f016b1f0bdf963db" id="ubeb03e45" style="text-align:center;font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="font-size:14px" data-mce-style="font-size: 11px">Figure 2. Combined payment workflow</span></p><p data-lake-id="6a66c3aafe83c762a34be7c44024f1e5" id="u3b58ace6" style="font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="color:rgb(51, 51, 51);font-size:14px" data-mce-style="font-size: 11px">Using the example of a buyer requesting a refund after shopping on an e-commerce platform, the system workflow is as follows:</span></p><p data-lake-id="e068173cc5bafde39063e8f1482baf2c" id="u8b03d09b" style="text-align:center;font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span data-card-type="inline" data-lake-card="image" id="u878f74ff" style="display:block"><img alt="英文-退款备份@3x.png" data-role="image" src="https://ac.alipay.com/storage/2020/5/11/793a3d8d-5270-405b-9362-e6a670b9c842.png" data-raw-src="" title="英文-退款备份@3x.png" style="visibility:visible;width:612.666687px;border:1px solid rgb(229, 229, 229)" data-height="398px" class="docs-image" data-src="https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1693278752050-a27ab607-ac6e-439c-a781-547a8704b12b.png" loading="lazy"/></span></p><p data-lake-id="711e35a5373a4eccc173c6e1174854d3" id="ucca50bf7" style="text-align:center;font-size:14px;color:rgb(38, 38, 38);line-height:1.74;letter-spacing:0.05em;outline-style:none;overflow-wrap:break-word;margin-top:0px;margin-bottom:16px"><span class="lake-fontsize-11" style="font-size:14px" data-mce-style="font-size: 11px">Figure 3. Refund workflow</span><span class="lake-fontsize-12" style="font-size:16px" data-mce-style="font-size: 12px"><br/></span></p></div></div></div><div class="pswp" tabindex="-1" role="dialog" aria-hidden="true"><div class="pswp__bg"></div><div class="pswp__scroll-wrap"><div class="pswp__container"><div class="pswp__item"></div><div class="pswp__item"></div><div class="pswp__item"></div></div><div class="pswp__ui pswp__ui--hidden"><div class="pswp__top-bar"><div class="pswp__counter"></div><button class="pswp__button pswp__button--close" title="Close (Esc)"></button><button class="pswp__button pswp__button--share" title="Share"></button><button class="pswp__button pswp__button--fs" title="Toggle fullscreen"></button><button class="pswp__button pswp__button--zoom" title="Zoom in/out"></button><div class="pswp__preloader"><div class="pswp__preloader__icn"><div class="pswp__preloader__cut"><div class="pswp__preloader__donut"></div></div></div></div></div><div class="pswp__share-modal 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