Payment · common
为什么我的外卡在 Alipay 付款时被拒绝？
Last updated:
⚠️ SYMPTOM
你的外卡 Visa/Mastercard 已绑定 Alipay,但商家显示“交易失败”,且没有错误代码。
🔍 MOST LIKELY CAUSE
发卡行所在国家被列入 Alipay 的高风险名单,或者该卡在中国支付网关上的 3-D Secure 验证步骤超时。
✓ HOW TO FIX
致电银行授权“China cross-border”交易,在稳定的网络环境下开启 3-D Secure 重试,并确保 Tour Pass 余额保持在 ¥150 以上作为备用。
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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.