扫码支付是中国的默认支付方式。把支付宝与微信支付装好、绑好卡、做完实名认证，你的行程就成了一半。 Scanning a QR code is the default way to pay. Install Alipay and WeChat, link a card, finish real-name verification — and half your trip logistics are solved.
前两个是主力，后两个视情况补充。都支持护照实名认证。 The first two are your workhorses; the others are optional. All support passport-based verification.
覆盖面最广的支付工具，也是「超级 App」：里面嵌着乘车码、共享单车、外卖、酒店、景点票等上百个小程序。对旅行者来说，它几乎等于一张万能通行证。
The widest-accepted payment app — and a super-app: transit codes, bike share, delivery, hotels and attraction tickets all live inside as mini-programs. For a traveller it's close to a universal pass.
很多人以为微信只是聊天软件，实际上餐厅桌边的「扫码点餐」、景区的小程序购票、路边摊的收款码，大量只用微信能打开。没有它，你会在很多场景被挡在门外。
WeChat looks like a messenger, but QR ordering at restaurants, mini-program tickets at attractions and many stall payment codes open only inside WeChat. Without it you'll be locked out of a lot of everyday moments.
银联官方 App。优势是境外发行的银联卡可以直接用，且在部分只支持银联的场景（如一些景区自助机）能派上用场。日常使用频率低于前两者。
UnionPay's official app. Useful if you hold a UnionPay card issued abroad, and at machines that only accept UnionPay (some attraction kiosks). Used less often than the two above.
央行发行的法定数字货币，用「数字人民币 App」开通钱包即可付款，支持境外手机号注册。覆盖商户在增加，但尚未全面铺开，作为尝鲜与备用即可。
The central bank's digital currency. Open a wallet in the e-CNY app and pay; foreign phone numbers can register. Merchant coverage is growing but not universal — treat it as a novelty and a backup.
建议在出发前就完成，落地后直接用。整个过程大约 10–15 分钟。 Do this before you fly so it just works on arrival. Allow 10–15 minutes.
在应用商店搜索「Alipay」，选境外手机号注册（选你手机号的所属国家/地区）。
Search "Alipay" in your app store and register with your foreign phone number (select your country/region code).
首页 →「银行卡 / Bank Card」→ 右上角「+」→ 输入卡号，或直接用摄像头扫卡面识别。
Home → "Bank Card" → the "+" icon → type your card number, or scan the card with your camera.
按提示填写卡号、有效期、安全码，接收发卡行的短信 / 推送验证码完成验证。
Enter the number, expiry and security code, then confirm with the SMS or push code from your bank.
上传护照资料页，做人脸识别。护照姓名务必与登机牌、车票、酒店订单完全一致。
Upload your passport photo page and pass the face scan. The name must match your boarding pass, train ticket and hotel booking exactly.
在便利店扫一笔 10 元左右的付款码，确认能成功扣款，再放心使用。
Pay around ¥10 at a convenience store and confirm it clears before you rely on it.
用境外手机号注册一个微信账号。若已有账号，直接登录即可。
Register with your foreign phone number, or just log in if you already have an account.
「我」→「服务（Services）」→「钱包（Wallet）」→「银行卡（Cards）」→「添加银行卡」。
Me → Services → Wallet → Cards → Add a card.
输入卡号与有效期，按提示完成发卡行验证。部分银行需要开通境外交易权限，提前联系发卡行确认。
Enter the number and expiry, then complete your bank's verification. Some banks need overseas transactions enabled — call them first.
在钱包内找到「身份验证 / Identity」，选择护照，上传资料页并完成人脸核验。
In Wallet, find Identity verification, choose passport, upload the photo page and complete the face scan.
设置 6 位数字支付密码，并在手机系统里开启指纹 / 面容支付，付款会快很多。
Set a 6-digit PIN and enable fingerprint / face payment — it makes checkout much faster.
换相当于 500–1000 元人民币的现金即可，不用多。
The equivalent of ¥500–1000 is plenty. No need for more.
机场、地铁站、商圈的 ATM 很多，机器上有语言切换。境外卡走 Visa / Mastercard / 银联网络取现，注意发卡行的境外取现手续费与汇率。
ATMs are everywhere in airports, metro stations and malls, with a language switch. Withdraw on Visa / Mastercard / UnionPay networks and watch your bank's overseas withdrawal fee and FX rate.
大额或 ATM 失败时可去银行柜台，带护照与卡片。工作日办理更快，需要取号排队。
For large amounts or failed ATMs, go to a bank counter with your passport and card. Weekdays are faster; take a queue number.
| 方式 | 适合场景 | 优点 | 局限 |
|---|---|---|---|
| 支付宝 | 几乎所有线下商户、地铁公交、共享单车、外卖、景区票 | 覆盖最广，小程序生态完整，英文界面成熟 | 境外卡有小额免手续费额度，超出部分有费率 |
| 微信支付 | 扫码点餐、小程序购票、摊位个人收款码 | 社交 + 支付一体，很多小程序只有微信入口 | 英文界面信息密度较低，初次上手略绕 |
| 现金 | 偏远景区、寺庙、农村、网络故障、小额找零 | 永远可用，法定货币商家不得拒收 | 找零不便，携带与保管有风险 |
| 境外实体卡 | 高档酒店、大型商场、免税店、部分涉外餐厅 | 无需绑卡，直接刷 | 普通小店与餐馆的 POS 通常未开通外卡受理 |
| Method | Best for | Pros | Limits |
|---|---|---|---|
| Alipay | Almost all offline merchants, metro & bus, bike share, delivery, attraction tickets | Widest acceptance, full mini-program ecosystem, mature English UI | Foreign cards have a fee-free small-payment allowance; fees above it |
| WeChat Pay | QR ordering, mini-program tickets, personal stall codes | Chat + pay in one; many mini-programs open only here | English UI is dense and the first setup is fiddly |
| Cash | Remote sights, temples, villages, network failures, small change | Always works; merchants can't refuse legal tender | Getting change is awkward; loss and theft risk |
| Physical foreign card | Upscale hotels, big malls, duty-free, some international restaurants | No setup — just tap or insert | Most small shops and restaurants don't accept foreign cards |
说明实名认证没完成或过期。进入钱包 / 银行卡页面，找到身份验证入口，重新上传护照资料页并做人脸核验。护照有效期过期也会触发限制。
Your verification is missing or expired. Go to Wallet / Cards, find identity verification, re-upload your passport page and redo the face scan. An expired passport triggers this too.
如果认证反复失败，检查：姓名拼写是否与护照完全一致（含空格与连字符）、护照照片是否清晰无反光、光线是否充足。
If it keeps failing, check: does the name spelling match your passport exactly (spaces and hyphens included)? Is the passport photo sharp with no glare? Is the lighting good?
境外卡在扫码支付时通常有单笔与单日限额（常见为单笔几千元、单日一万元上下，以 App 内提示为准）。大额消费（如酒店、贵重商品）建议拆分支付，或改用实体卡刷卡。
Foreign cards carry per-transaction and daily caps (roughly a few thousand RMB per payment, around ¥10,000 per day — check the app). For large purchases like hotels, split the payment or use the physical card.
也可以提前联系发卡行，提高境外交易的临时额度。
You can also ask your bank to raise your overseas limit temporarily.
先分清方向：是你扫商家（用 App 里的「扫一扫」），还是商家扫你（出示「付款码」）。大部分便利店是后者。
First work out the direction: are you scanning them (use "Scan"), or are they scanning you (show your "Payment Code")? Convenience stores are usually the latter.
如果仍失败，多半是商家设备或个人收款码不支持外卡交易。换另一家、或改用现金即可，不用纠结。
If it still fails, their terminal or personal QR code likely doesn't accept foreign cards. Move on or pay cash — don't burn time on it.
短时间内大额、高频或异地交易可能触发风控。按 App 提示提交护照与行程凭证（订单、车票）通常能在数小时内解除。
Large, frequent or unusual-location transactions can trigger risk controls. Submit your passport and trip proof (bookings, tickets) as prompted; it's usually lifted within hours.
预防方式：不要用同一个账号给很多人代付、不要频繁大额整数转账、保持网络环境稳定。
To prevent it: don't pay on behalf of lots of people, avoid repeated large round-number transfers, and keep your connection stable.
点右侧按钮复制中文，直接给店员看。 Tap "Copy" and show the Chinese to the cashier.