最新新闻
支付宝与微信支付：外卡实名认证更严格——出发前绑定（2026）
入境外卡绑定通常需先完成护照实名认证。2026 年路径是直接绑定银行卡，Tour Pass 已停用。出发前绑定两个钱包，落地后测试真实二维码。
核心观点
**Alipay** and **WeChat Pay** still accept many **foreign cards** without a Chinese bank account, but **passport Identity** is now the usual **first** step — Add Card often fails until KYC clears. Bind **both** wallets on **home Wi‑Fi**. Confirm **Scan / Pay** screens open. The **¥1–10 merchant test** is **after landing**, near the hotel. **Tour Pass is not the bind path.**
报道正文
变化是什么
境外银行卡风控更严格：护照扫描、人脸核验、短信验证和银行 3-D Secure。这与 2024 年某条 gov.cn 新闻稿并不相同。请以应用内身份认证和银行卡为准。如果真实银行卡无法绑定，TourCard（预付小程序）可作为备选方案。
下一步
- Follow payment setup checklist this week.
- Walk the Alipay tap path.
- Open Scan and Pay at home; test ¥1–10 after landing.
- Save what if payment fails after landing.
可能变化的部分
Card issuer, nationality, app version, and merchant acceptance differ daily—retest if your last trip was more than a year ago.