Payment · common
Mengapa kartu saya diblokir setelah satu transaksi di China?
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⚠️ SYMPTOM
Pembelian pertama Anda di China berhasil, tetapi percobaan berikutnya ditolak, kemudian bank Anda mengirim SMS pembekuan karena penipuan.
🔍 MOST LIKELY CAUSE
Penerbit kartu luar negeri menandai perubahan lokasi geografis dan merchant acquirer China yang tidak dikenal sebagai penipuan, lalu otomatis membekukan kartu setelah otorisasi pertama.
✓ HOW TO FIX
Beri tahu bank Anda tentang tanggal perjalanan ke China SEBELUM terbang, dan simpan nomor telepon collect-call internasional mereka untuk membuka pembekuan dengan cepat dari luar negeri.
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Foreign Credit Cards
Foreign Visa, Mastercard, and AmEx cards work in hotels, airports, and chain restaurants but NOT in taxis, food stalls, or most shops.
ATM Cash Withdrawal
Bank of China, ICBC, and China Construction Bank ATMs accept foreign Visa/Mastercard with a ¥2,500 per-transaction limit and 1–3% fee.
Cash & RMB
Carry ¥500–1,000 in cash for rural areas, taxis, and small vendors; major cities are 90%+ cashless via mobile payment.
Other Payment problems
Why is my Alipay not working?
You linked a foreign Visa or Mastercard to Alipay but every transaction is rejected at the merchant.
Why can't I verify my passport on Alipay?
Alipay's identity verification step fails — passport photo upload rejected or OCR misread.
Can foreigners receive money on Alipay?
You want to receive a WeChat or bank transfer to your Alipay wallet but the app shows no Receive option.
Why does WeChat Pay keep declining my foreign card?
You linked a Visa or Mastercard in WeChat Pay but transactions show "card not supported" at checkout.
Can I pay cash in China in 2026?
You want to know if you need to carry RMB cash or if Alipay/WeChat Pay is enough for the entire trip.