How to Link International Credit Cards (such as Visa, Mastercard) to Chinese Mobile Payment Apps (WeChat Pay / Alipay)

1. Supported Situations

• Both WeChat Pay and Alipay support linking international credit cards (Visa, Mastercard, JCB, etc.), but please note:
• International credit cards are only applicable for consumption scenarios within mainland China (e.g., dining, shopping, hotels, transportation, etc.).
• Some functions are restricted (e.g., personal transfers, red envelopes, recharges, etc.).
• There may be small transaction fees (specifically based on the issuing bank's policy).

2. Detailed Binding Steps

(1) Binding to Alipay 1. Download and Register Alipay
- Download the latest version of Alipay from the app store (App Store/Google Play), and register an account using an international phone number or email. - Complete real-name verification (passport information required; follow prompts to upload ID photos).

1. Linking International Credit Card
2. Go to the Alipay homepage → click the bottom-right corner "Me" → select "Bank Cards" → click "Add Bank Card".
3. Input the credit card number, expiration date, CVV code (the three-digit number on the back of the card) → fill in the billing address (you can use a hotel address in China or an international address).

4. After confirming the binding, some banks may send a text message verification code or require authorization through their bank app.

5. Verification and Usage

6. Once successfully linked, you can directly use the credit card for payments via Alipay's "Payment Code" or "Scan" feature.

(2) Binding to WeChat Pay 1. Register for WeChat Pay
- Download WeChat and register an account → go to "Me" → select "Services" → click "Wallet". - Complete real-name verification (passport information and facial recognition required).

1. Linking International Credit Card
2. Enter "Wallet" → click "Bank Cards" → select "Add Bank Card".
3. Input the credit card details (card number, expiration date, CVV code) → fill in the billing address (it is recommended to use a domestic China address).

4. Some banks may require SMS or app verification.

5. Usage Scenarios

6. Supports offline QR code payment and some online mini-program purchases, but cannot be used for transfers or red envelopes.

3. Common Issues and Solutions

• Issue 1: Failed to link the card
• Possible Reasons: Unstable network, bank risk control interception, incorrect information entry.

• Solutions: Switch networks (e.g., use a VPN), contact the issuing bank to confirm whether cross-border transactions are supported, verify the card information.

• Issue 2: Prompt says "This card is not supported" during payment

• Possible Reasons: The merchant has not enabled international card acceptance, or the card does not have overseas payment functionality.

• Solutions: Prioritize large chain merchants (e.g., Starbucks, McDonald's, hotels), or contact the bank to enable overseas payment functionality.

• Issue 3: Billing Address Entry Problems

• If filling in a China address, it is recommended to use a hotel address; if filling in an international address, ensure it matches the bank's reserved information.

4. Usage Scenarios and Restrictions

• Applicable Scenarios
• Offline: Malls, restaurants, convenience stores, taxis, scenic spot tickets that support QR code payments.

• Online: Some mini-programs that support international cards (e.g., Didi Chuxing, Meituan Waimai, Ctrip, etc.).

• Function Restrictions

• Cannot transfer money to individuals, send/receive red envelopes, or recharge account balances.
• Single transaction limits are typically between 200-5000 RMB (specifically based on the issuing bank's policy).

5. Precautions

1. Fees: Some banks may charge 1%-3% for cross-border transactions; it is recommended to consult with the issuing bank beforehand.
2. Backup Payment Methods: It is suggested to carry a small amount of cash (RMB) or open a domestic debit card in China (e.g., UnionPay card).
3. Security Tips: Do not operate card linking on public networks, and regularly check your statements to prevent unauthorized charges.

6. Other Recommended Tools

• UnionPay App (Cloud QuickPass): Some scenarios support international cards, suitable for UnionPay partner merchants.
• Cash Exchange: You can exchange currency at airports, bank counters, or hotels, with exchange rates based on the day's rate.