Payment Guide - PandaMate

📱 WeChat Pay - Step by Step微信支付 - 步步指南

WeChat Pay now supports linking foreign credit cards. Here's how:

微信支付现在支持绑定外卡。操作步骤如下：

1

Download WeChat

下载微信

Get WeChat from App Store or Play Store BEFORE arriving in China

抵达中国前在App Store或Play Store下载微信

2

Verify Phone Number

验证手机号

Use your international phone number. You'll receive an SMS code.

使用您的国际手机号，会收到短信验证码。

3

Open Me > Wallet

打开我 > 钱包

Go to Me tab → Wallet → Cards

进入"我"标签 → 钱包 → 银行卡

4

Add Foreign Card

添加外卡

Tap "+" → Enter card details. Supports Visa, Mastercard, JCB, Diners Club

点击"+" → 输入银行卡信息。支持Visa、Mastercard、JCB、Diners Club

5

Complete Verification

完成验证

Enter your passport info and complete 3D verification with your bank

输入护照信息，完成银行的3D验证

💡 Note: This is a "Tourist Account" with limited functionality. You can pay at participating merchants but cannot use P2P transfers or red envelopes. 💡 注意：这是"游客账户"，功能有限。可以在合作商户消费，但无法使用转账或红包。

💙 Alipay - Step by Step支付宝 - 步步指南

Alipay also supports foreign cards. Here's how to set it up:

支付宝也支持绑定外卡。设置方法：

1

Download Alipay

下载支付宝

Get Alipay from App Store or Play Store

在App Store或Play Store下载支付宝

2

Register with Phone

手机号注册

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

Verify Identity

身份验证

Complete passport verification. May need to visit Alipay office in China for upgrade.

完成护照验证。升级功能可能需要到支付宝中国办公点。

🏧 ATM & CashATM与现金

When apps don't work, cash is still king in some places.

当APP不能用时，现金在某些地方仍然是王道。

Finding ATMs

寻找ATM

Look for ATMs with international network logos (Visa, Mastercard, Cirrus, Plus). Common banks: ICBC, ABC, Bank of China, China Construction Bank.

寻找有国际网络标识的ATM（Visa、Mastercard、Cirrus、Plus）。常见银行：工行、农行、中行、建行。

Tips

提示

✓

Inform your bank about China travel before departure

出发前告知银行将前往中国

✓

Withdraw larger amounts to reduce per-transaction fees

尽量一次取够，减少手续费

✓

Keep some RMB cash for small vendors and tips

随身带些人民币用于小商贩和小费

⚠️ 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 (VPN may be needed for data)
• Verify card is linked correctly
• Try scanning QR code again

• 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

💡 Pro Tip: Download all apps and complete verification BEFORE arriving in China. It's much harder to do in China without a Chinese phone number. 💡 实用提示：抵达中国前下载所有APP并完成验证。在中国没有手机号很难完成这些操作。

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