Payment · common
为什么在中国无法使用 Apple Pay 或 Google Pay？
Last updated:
⚠️ SYMPTOM
你在中国的 POS 终端上刷 Apple Pay 或 Google Pay，没有任何反应——商家说"这里用不了"。
🔍 MOST LIKELY CAUSE
中国商家使用的是银联 QuickPass QR 终端，而不是 Apple Pay / Google Pay 所需的 NFC 非接触式通道；Apple Pay 仅在支持银联 NFC 的 POS 机上可用，而这类终端数量很少。
✓ HOW TO FIX
将你的外卡绑定到 Alipay 或 WeChat Pay，然后扫描商家的二维码——这是最通用的方式；Apple Pay 仅在主要商场的部分银联终端上可用。
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Alipay for Foreigners
Download Alipay, link a foreign Visa or Mastercard via the Tour Pass, and complete a $150 minimum top-up to pay at 90%+ of Chinese merchants.
WeChat Pay for Foreigners
WeChat Pay accepts linked foreign Visa, Mastercard, and JCB cards in 2026 after a one-time identity verification with your passport.
Foreign Credit Cards
Foreign Visa, Mastercard, and AmEx cards work in hotels, airports, and chain restaurants but NOT in taxis, food stalls, or most shops.
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.