← Home首页
Payment Guide2025-2026 支付指南2025-2026

💳 WeChat Pay & Alipay for Foreigners: Complete Guide

💳 微信支付和支付宝使用指南：外国游客完全攻略

Updated: March 2026 • No Chinese Bank Account Required

更新：2026年3月 • 无需中国银行账户

📋 Table of Contents

📋 目录

✓ Why Mobile Payment in China? ✓ 为什么使用移动支付？ ✓ WeChat Pay Setup ✓ 微信支付设置 ✓ Alipay Setup ✓ 支付宝设置 ✓ Supported Cards ✓ 支持的银行卡 ✓ How to Pay ✓ 如何支付 ✓ Troubleshooting ✓ 问题解决

📌 Why Mobile Payment in China?为什么使用移动支付？

China is virtually a cashless society. Most restaurants, shops, and attractions prefer or only accept mobile payments. Here's what you need to know as a foreign tourist.

中国几乎是无现金社会。大多数餐厅、商店和景点都偏好或只接受移动支付。作为外国游客，您需要了解以下信息。

✅ Good News! ✅ 好消息！
  • Both WeChat Pay and Alipay now support foreign credit cards
  • You DON'T need a Chinese bank account
  • Setup takes about 10 minutes
  • 微信支付和支付宝现在都支持外国信用卡
  • 您不需要中国银行账户
  • 设置只需约10分钟

💚 WeChat Pay Setup (Step by Step)微信支付设置（步步指南）

WeChat (Weixin) is China's most popular messaging app with built-in payment. Here's how to set it up with your foreign card:

微信是中国最流行的即时通讯应用，内置支付功能。以下是使用外卡设置的方法：

1

Download WeChat

下载微信

Get WeChat from App Store (iOS) or Google Play (Android). Do this BEFORE arriving in China!

从App Store（iOS）或Google Play（安卓）下载微信。请在抵达中国前完成！

2

Register with Phone Number

用手机号注册

Use your international phone number (with country code). You'll receive an SMS verification code.

使用您的国际手机号（带国家代码）。您将收到短信验证码。

3

Verify Identity

验证身份

Go to Me tab → Wallet → Add Card. You'll need to enter your passport information.

进入"我" → 钱包 → 添加银行卡。需要输入护照信息。

4

Add Your Card

添加银行卡

Tap "+" → Enter your credit card details. Supported: Visa, Mastercard, JCB, Diners Club

点击"+" → 输入信用卡详细信息。支持：Visa、Mastercard、JCB、Diners Club

5

Complete 3D Verification

完成3D验证

Your bank will send a one-time password (OTP) to verify. Enter it to complete setup.

您的银行会发送一次性密码（OTP）进行验证。输入以完成设置。

💚 WeChat Pay Tourist Account Limits: 💚 微信支付游客账户限额：
  • Maximum balance: ¥10,000 RMB
  • Daily spending limit: ¥3,000 RMB
  • Can only pay at participating merchants
  • Cannot use P2P transfers or red envelopes
  • 最高余额：10,000元人民币
  • 每日消费限额：3,000元人民币
  • 只能在合作商户消费
  • 无法使用转账或红包功能

💙 Alipay Setup (Step by Step)支付宝设置（步步指南）

Alipay is another major payment platform in China. Here's how to set it up:

支付宝是另一个主要的支付平台。设置方法如下：

1

Download Alipay

下载支付宝

Get Alipay from App Store or Google Play.

从App Store或Google Play下载支付宝。

2

Register Account

注册账户

Use your international phone number to register.

使用国际手机号注册。

3

Add Card

添加银行卡

Me → Bank Cards → Add Card. Enter your foreign card details.

我的 → 银行卡 → 添加银行卡。输入外卡信息。

4

Passport Verification

护照验证

Enter your passport information. Some features may require in-person verification at Alipay office in China.

输入护照信息。部分功能可能需要到支付宝中国办公点亲自验证。

💙 Alipay Tourist Account: 💙 支付宝游客账户：
  • Similar limits to WeChat Pay
  • Works at most merchants accepting mobile payment
  • May need upgrade for full functionality
  • 与微信支付类似的限额
  • 可在大多数接受移动支付的商户使用
  • 可能需要升级才能使用全部功能

💳 Supported Cards支持的银行卡

Payment App 支付应用 Supported Cards 支持的银行卡
WeChat Pay 微信支付 Visa, Mastercard, JCB, Diners Club Visa、Mastercard、JCB、Diners Club
Alipay 支付宝 Visa, Mastercard, JCB, Diners Club, UnionPay (some) Visa、Mastercard、JCB、Diners Club、UnionPay（部分）

📱 How to Pay如何支付

Scanning QR Code (Most Common)

扫描二维码（最常见）

1

Ask merchant for payment

向商户提出付款

Say "WeChat pay" or "Alipay" or point to the QR code.

说"微信支付"或"支付宝"，或指向二维码。

2

Scan their QR code

扫描他们的二维码

Open your app → Scan → Point camera at merchant's QR code.

打开APP → 扫描 → 对准商户的二维码。

3

Confirm amount & pay

确认金额并支付

Check the amount, enter password or use Face ID, confirm.

检查金额，输入密码或使用面容ID，确认。

Showing Your QR Code

展示您的二维码

1

Open your payment code

打开您的付款码

WeChat: Me → Wallet → Payments → Show Code
Alipay: Home → Pay → Show Code

微信：我 → 钱包 → 收付款 → 向商家付款
支付宝：首页 → 付钱 → 展示付款码

2

Let merchant scan

让商户扫描

Merchant scans your code with their device.

商户用他们的设备扫描您的码。

⚠️ Troubleshooting问题解决

Card Declined? 银行卡被拒绝？
  • Check if your bank allows international transactions
  • Ensure you have sufficient USD balance
  • Try a different card or ATM
  • 检查银行是否允许国际交易
  • 确保有足够的美元余额
  • 尝试其他银行卡或ATM
Payment Failed? 支付失败？
  • Check internet connection (you may need VPN for data)
  • Verify card is linked correctly
  • Try scanning the QR code again
  • Check if you've exceeded daily limit
  • 检查网络连接（可能需要VPN）
  • 确认银行卡绑定正确
  • 重新扫描二维码
  • 检查是否超过每日限额
💡 Pro Tips: 💡 实用技巧：
  • Download apps and complete verification BEFORE arriving in China
  • Keep some cash as backup
  • Inform your bank about China travel to avoid card blocks
  • Save merchant's QR code photo as backup
  • 抵达中国前下载APP并完成验证
  • 随身带些现金备用
  • 告知银行将前往中国，避免卡片被封
  • 保存商户二维码照片备用