Tour Pass (the 2019-era prepaid wallet with its ¥150 minimum top-up) was retired; rejections now usually mean the linked foreign card failed 3-D Secure or the merchant's terminal doesn't accept foreign-network cards.
Re-run Alipay → Wallet → Add Card and check the 3-D Secure prompt; verified wallets now pay directly, with caps of ≈US$5,000 per payment, ≈¥10,000 per day and ≈US$50,000 per year. If still rejected, ask the merchant to enable "international card" on the terminal.

