【金融服务】外籍人士在穗使用移动支付功能的小妙招

随着中国与世界的交往越来越密切，越来越多外籍朋友来到广州探亲、旅游、学习、工作和生活。相信大家来到后，很快会对中国的移动支付模式产生新的认知，从酒店到餐厅，从商场到市场等，通常都会看到两种二维码指示牌——绿色的微信支付二维码和蓝色的支付宝二维码指示牌，您只要使用手机扫码，支付即刻完成！这就是中国便捷高效的移动支付，给我们的日常生活带来了极大的便利。因此，刷卡签字或纸币找零的传统支付方式就使用得少了，这让还没有开通移动支付功能的外籍朋友犯愁了……

As China becomes more connected with the world, an increasing number of foreigners are coming to Guangzhou for various reasons such as family reunions, travel, education, employment, and long-term stays. Living here has provided them with a new perspective on China's mobile payment systems. Whether it's hotels, restaurants, grocery stores, or shopping malls, two types of QR codes are commonly used for everyday transactions: the green QR code for Wexin Pay and the blue QR code for Alipay. With a simple scan of these QR codes, payments are processed within seconds. The convenience and efficiency of China's mobile payment system greatly enhance our daily lives. However, the widespread adoption of mobile payments has led to a reduction in the use of credit cards and cash exchange, which can be baffling for foreigners who haven't yet gained access to China's mobile payment services.

相信大家肯定也想试试便捷高效的移动支付，您可能有疑问，只持有境外银行卡能不能也享受中国的移动支付功能呢？在开放包容的千年商都，我们的答案是：必须可以！小编为大家收集整理了如何用境外银行卡绑定微信/支付宝等移动支付的小妙招。（以下消息均来源于目前网上公开信息，今后可能会有变化，请以微信/支付宝的公开信息为准，最终解释权归微信/支付宝。）

Foreigners who wish to explore mobile payment options may be curious about whether they can link their overseas bank cards to these services. In Guangzhou, a bustling business hub with a rich history, the answer is undoubtedly yes! Here are some valuable tips for foreigners on how to set up Wexin Pay or Alipay accounts using their overseas credit cards. (Please note that the following information is sourced from public websites, and any future updates or changes should be verified on the official Wexin and Alipay websites, as they reserve the right for the final interpretation.)

首先，为大家介绍微信/支付宝所支持绑定的银行卡类别及其功能。目前，微信支付支持绑定Visa、Mastercard、JCB、Diners Club、Discover等境外信用卡，绑定后，可用于普通日常消费支付，支付时出示付款二维码即可，转账、红包等功能是不能使用的噢。目前，支付宝支持Visa、Mastercard、JCB、Diners Club、Discover等境外信用卡用于普通日常消费支付，转账等功能还不能使用。具体请以支付时页面提醒为准。温馨提示：绑定的银行卡户名必须与微信/支付宝账号实名验证保持一致噢。

Firstly, let's outline the types of bank cards that are compatible with Wexin Pay and Alipay:

1）Bank cards supported by Wexin Pay:

Wexin Pay is compatible with overseas credit cards, including Visa, Mastercard, JCB, Diners Club, and Discover. Once linked, your Wexin Pay account can be used for making payments by simply scanning QR codes. However, it's important to note that features like transfers and Red Packets are not available for foreign credit cards.

2）Bank cards supported by Alipay:

Alipay also accepts overseas credit cards, including Visa, Mastercard, Diners Club, and Discover. Once linked with your Alipay account, these cards can be used for daily transactions, though certain features like transfers are not supported.

For specific details, please refer to the prompts that appear during the payment process.

A helpful tip to keep in mind: The name on your credit card must match the registered name on your Wexin or Alipay account for successful linkage and transactions.

目前，使用境外银行卡绑定微信/支付宝的步骤如下：

Steps of setting up Wexin Pay/Alipay with overseas bank cards:

Besides using Alipay account with overseas bank cards, you can also scan to pay at Alipay merchants in Chinese mainland using AlipayHK (Hong Kong SAR, China), Touch’n Go eWallet (Malaysia),  Kakao Pay (Republic of Korea), mPay (Macao SAR, China), Hipay (Mongolia), Changi Pay (Singapore), OCBC Bank (Singapore), Naver Pay (Republic of Korea), Toss Pay (Republic of Korea) or TrueMoney (Thailand), powered by Alipay+ cross-border digital payment and marketing solutions. Alipay+ makes it more convenient to travel in China with your home e-wallets.

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各位外籍朋友，快来体验移动支付的快捷与便利吧！

Dear friends, you are warmly welcomed to try how efficient and convenient mobile payment is !