Wallet Platform
Build your next-gen wallet platform
Whether you are a bank, telco, or fintech company building a new payment app, or transforming into a super app, Alipay+ Wallet Platform puts you in the driving seat. Backed by extensive fintech expertise, advanced AI, and future-proof cloud technology.
StoryVideoCover
Built for financial innovators
refundIcon
Banks
Launch a competitive digital wallet fast, without building core infrastructure from scratch.
refundIcon
Telcos
Monetise your user base with payment services, leveraging existing customer relationships.
refundIcon
Fintechs
Scale your payment app with enterprise-grade security, compliance, and global connectivity.
wallet-platform-innovators
One-stop service
Our out-of-the-box platform enables you to quickly deploy your digital wallet ecosystem within 3 to 6 months. End-to-end solutions from Alipay+ Wallet Platform cover everything from core functionality to digital lifestyle services.
AI-powered applications
Our technology integrates advanced AI capabilities, including smart content and fintech agent development, helping you reduce costs while boosting sales and customer satisfaction.
Comprehensive security safeguards
Our advanced security technology keeps your customers’ money, data and transactions safe. We use a massive global network to spot risks in real time, smart systems to detect suspicious activity, and technology that protects user privacy.
Advanced risk management
Our technology instantly analyses hundreds of risk patterns to stop fraud before it happens.
Financial-grade availability
Our platform guarantees 99.999% uptime, with robust disaster recovery systems that ensure your services are always stable, available, and uninterrupted.
Leading fintech expertise
Alipay+ Wallet Platform delivers tailored professional services for your financial app based on industry-leading proficiency, deep technical knowhow and unrivalled insights specific to your market.
Next-gen technology
We enable frictionless payments for your customers’ lifestyle needs, from food, transport, finance, to shopping, all in one place. Users, merchants, and banks are all linked through secure transaction tech, supported by our future-proof cloud technology.
Solutions for everyday
Seamless integration for everyday needs
From gaming, to dining, retail, transport, and healthcare, our wallet platform enables QR and NFC-supported payments a wide range of daily touchpoints, ensuring smoother, faster transactions.
Access a global ecosystem
Global, cross-border connectivity
Leveraging the Alipay+ ecosystem which connects you to billions of users worldwide, we enable seamless cross-border commerce and power your global growth.
End-to-end capabilities
Scalable solutions for payments and more
Delivering secure, compliant and scalable digital solutions covering everything from payment processing to real-time risk management, to innovative mini-programmes.
Future-proofed infrastructure
Supported by global cloud technology
Built on resilient and reliable Mobile Platform as a Service (mPaaS) and Data as a Service (DaaS) systems, our flexible cloud infrastructure enables you to get started quickly, while compatibility with multiple cloud providers helps power your scalability.
Comprehensive payment capabilities
Online payments
Seamless checkout across app, web, and mobile, supporting auto-debit, cashier checkout, and subscriptions, with e-wallets, bank cards, BNPL, and more.
Diverse online payment products
  • Auto-debit
  • Cashier checkout
  • Subscription
  • Send money
  • Collect money
Rich variety of available payment methods
  • e-wallet
  • Bank card
  • Buy Now, Pay Later (BNPL)
  • Virtual account
  • Over-The-Counter (OTC)
  • and more
Seamless customer experience
  • App
  • Web
  • Wireless Application Protocol (WAP)
In-store payments
Supporting QR and NFC for businesses of all sizes. Customer-presented or merchant-presented QR, plus contactless tap-to-pay.
cardImage
QR payment (Customer presented)
cardImage
QR payment (Merchant presented)
cardImage
NFC payment
Everyday use cases
From gaming, to dining, retail, transport, healthcare, and parking – your next-gen wallet works across a wide range of everyday scenarios.
cardImage
Bus QR
cardImage
Subway
cardImage
Parking solution
AI-powered risk management
Help stop fraud before it happens. SHIELD analyses transactions in under 0.2 seconds, processing trillions of data points to help prevent fraud. Serving 2 billion+ devices globally:
Real-time fraud detection
Hundreds of risk patterns analysed instantly
Device intelligence
Unique device ID and risk tags for 2B+ devices
Bot protection
Identify and block abnormal bot traffic
Privacy-first
Encryption technology protects personal data
Network analysis
Detect anomalous relationships between accounts
Adaptive security
Dynamic risk decisions balancing safety and user experience

FAQs

Ready to build your digital wallet?

Stay connected
ant-internationalantombettrworldfirst
LegalCookie Notice©  2026, Ant International or its affiliates.