The card-issuer country is on Alipay's elevated-risk list, or the card's 3-D Secure step timed out over the Chinese payment gateway.
Call your bank to authorize "China cross-border" transactions, retry with 3-D Secure on a stable connection, and re-run Wallet → Add Card to refresh the binding — the retired Tour Pass (¥150 minimum top-up) fallback no longer exists.

