WeChat Pay's foreign-card support requires the card to be issued by a partner bank and the user to complete the "Foreign Card" verification flow — this is different from the regular CN-account flow.
Open WeChat → Me → Services → Wallet → Bank Cards → Add "+" → choose "Add a Foreign Card". Complete the passport + phone verification, then retry. Supported brands: Visa, Mastercard, JCB, Discover, Diners.

