支付宝微信支付境外使用教程 | Alipay & WeChat Pay Guide for Foreign Visitors

开通步骤 / Setup Steps

支付宝：下载国际版（Alipay+），注册时选"境外用户"，绑定Visa/Mastercard/JCB信用卡，无需中国银行账户。开通后可直接扫码支付，单笔限额约¥6,000，月累计约¥50,000。

Alipay: Download the international version (Alipay+), select "overseas user" during registration, link a Visa/Mastercard/JCB credit card — no Chinese bank account needed. After setup, scan QR codes to pay; single transaction limit ~¥6,000, monthly cumulative ~¥50,000.

微信支付：下载微信，注册账号，进入"钱包"→"境外卡"，绑定境外信用卡。功能与支付宝类似，限额相同。两个App建议都装，部分商家只支持其中一种。

WeChat Pay: Download WeChat, register an account, go to "Wallet" → "Foreign Cards", and link your foreign credit card. Functions similarly to Alipay with the same limits. Install both apps — some merchants only accept one.

使用场景 / Where to Use

超市、便利店、餐厅、出租车、地铁（部分城市）、景区门票、外卖、共享单车——几乎所有消费场景均支持扫码支付。扫商家码（主动扫）或出示付款码（被动扫）两种方式均可。

Supermarkets, convenience stores, restaurants, taxis, metro (some cities), attraction tickets, food delivery, bike-sharing — virtually all spending scenarios support QR payment. You can either scan the merchant's code or show your own payment code.

常见问题 / Common Issues

绑卡失败：部分发卡行会拦截境外绑卡请求，联系银行开通"境外网络支付"权限后重试。支付失败：检查网络连接，或切换到另一个App。余额提现：境外卡绑定用户无法提现，消费后余额不可退回，建议按需充值。

Card binding fails: Some banks block overseas binding requests — contact your bank to enable "overseas online payment" and retry. Payment fails: Check your internet connection, or switch to the other app. Withdrawals: Users with foreign cards cannot withdraw balance — don't top up more than you plan to spend.