Payment · common
해외 카드로 Alipay 결제가 거절된 이유는 무엇인가요?
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⚠️ SYMPTOM
해외 Visa/Mastercard가 Alipay에 연결되어 있지만, 가맹점에서 오류 코드 없이 "결제 실패"가 표시됩니다.
🔍 MOST LIKELY CAUSE
카드 발급사 국가가 Alipay의 고위험 목록에 포함되어 있거나, 중국 결제 게이트웨이를 통한 3-D Secure 단계가 시간 초과되었습니다.
✓ HOW TO FIX
은행에 연락하여 "중국 국경 간" 거래를 승인하도록 요청하고, 안정적인 네트워크에서 3-D Secure를 활성화한 상태로 재시도하며, Tour Pass 잔액을 ¥150 이상으로 유지해 대비책으로 활용하세요.
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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.