个人开发者支付宝当面付接入全攻略：Node.js SDK 实战与 AI 绘图应用收款
英文摘要
The author, an indie developer, shares a step-by-step guide for integrating Alipay Face-to-Face Payment (offline QR code) into personal web projects. The post details the payment flow (order creation, QR code display, status checking via async notification), required prerequisites (a verified Alipay account, an app with APP_ID, HTTPS server), and notes that a business license is not mandatory—store photos can be AI-generated. Transaction limits for unlicensed accounts are 20,000 CNY daily and 2,000 CNY per transaction. Implementation uses the Node.js `alipay-sdk` library, with code example provided. The author’s own AI drawing application, built with OpenAI’s GPT-Image-2 model, uses this payment method to sell credits.
中文摘要
作者分享个人开发者集成支付宝当面付的完整流程：用户扫码后后端生成订单、展示二维码、通过异步通知确认支付。所需材料包括实名支付宝账号、开放平台应用及HTTPS服务器，营业执照非必须，门店照片可用AI生成。未上传经营执照时日收款上限2万元，单笔上限2千元。后端采用Node.js的`alipay-sdk`库进行接口调用。该方案已用于作者基于GPT-Image-2开发的AI绘图应用，实现积分充值收款。
关键要点
Face-to-Face Payment is the easiest option for individual devs: user scans QR code, page polls order status, no redirect to Alipay cashier.
当面付对个人开发者最友好：用户扫码、页面轮询订单状态，无需跳转支付宝收银台。
Business license is not required; store venue photos can be AI-generated (e.g., GPT-Image-2) during application.
申请时无需营业执照，门店照片可用AI（如GPT-Image-2）生成。
Transaction limits for unlicensed accounts: daily maximum 20,000 CNY, single transaction maximum 2,000 CNY.
未提交经营执照时，日收款上限2万元，单笔上限2千元。
Backend integration uses the Node.js `alipay-sdk` library; only APP_ID, private key, and Alipay public key are needed.
后端使用Node.js的`alipay-sdk`库，仅需配置APP_ID、应用私钥和支付宝公钥。
The author’s AI drawing app, powered by OpenAI’s GPT-Image-2, uses this payment system for its credit top-up feature.
作者开发的AI绘图应用采用GPT-Image-2模型，通过该当面付接口实现积分充值收款。