核心观点
On **home Wi‑Fi**: install **official Alipay** (blue icon, not AlipayHK), register with a number that still gets **SMS**, finish **passport Identity**, then **Me → Bank Cards → Add** a physical Visa or Mastercard. Confirm **Scan (扫一扫)** and **Pay (收付款)** open with no error. Do **not** look for **Tour Pass** — that old prepaid wallet is not the 2026 bind path. Pair with **WeChat Pay** the same evening.
正文
Illustrated Tap Path
Labels move by app version. Look for Me, Identity / Passport, Bank Cards, Scan / 扫一扫, Pay / 收付款. Drawings in the PaiPai app are schematic — follow the official Alipay app, not a blog screenshot.
1 — Install the official app (about 10 minutes)
| Do this | |
|---|---|
| Store | Apple App Store / Google Play listing for Alipay (App Store) |
| Icon | Blue Alipay — not AlipayHK |
| Sign up | Country code + home-country number that receives SMS abroad |
| Language | Settings → Language → English if offered |
A Chinese bank account is not required. Keep the SIM that receives OTP in the phone (dual-SIM: China eSIM for data, home SIM for SMS).
2 — Verify your passport (about 10 minutes, plus review)
Path: Me (bottom right) → Settings (gear, top right) → Account and Security → Identity Information → choose Passport (not a Chinese ID).
| Check | Detail |
|---|---|
| Photo | Bio page flat, all four corners, no glare, MRZ readable |
| Face | Blink / turn as prompted; glasses off if the app asks |
| Name | Must match the passport — including middle names if shown |
| Wait | Often minutes; can take up to a day. Do this before you fly |
If this step fails: passport verification failed — VPN off, home Wi‑Fi, retake photos.
3 — Add an international card (about 15 minutes)
Path: Me → Bank Cards → Add.
| Check | Detail |
|---|---|
| Card | Physical Visa or Mastercard first (highest success). JCB, Discover, Diners, UnionPay International, and Amex appear where the app offers them |
| Avoid | Virtual, prepaid, and many fintech cards |
| Fields | Number, expiry, CVV, English billing address |
| Bank | Complete 3-D Secure / SMS. Notify the issuer of China travel if bind fails |
| Name | Cardholder name should match the passport as closely as the bank printed it |
If bind fails: second issuer → different network (Visa vs Mastercard) → call the bank for China / e-commerce enable → only then consider TourCard as Plan B (fees page).
4 — Open Scan and Pay, then plan the tiny test
| Button | Chinese | When to use |
|---|---|---|
| Scan | 扫一扫 | You scan the merchant sticker on the counter or table |
| Pay | 收付款 | They scan your barcode + QR |
- Open both screens on home Wi‑Fi — no error banner.
- Set the 6-digit payment password and Face ID if offered.
- After landing, with cellular data on, buy ¥1–10 at a convenience store near the hotel.
- Wait for 支付成功 and show it before you leave the counter.
- Same evening: enable WeChat Pay.
Payment Hub — Alipay Setup (canonical Walkthrough)
| If you are asking… | Open this (one page) |
|---|---|
| Can foreigners use Alipay? | Question: Alipay — yes/no only |
| How to verify + bind (tap path) | This guide — only full Alipay walkthrough |
| Full payment stack (layers, merchants) | How to pay in China |
| WeChat Pay tap path | WeChat Pay guide |
| WeChat Pay (why Wallet ≠ chat) | Question: WeChat Pay |
| Fees / limits | Foreign-card fees |
| Checkbox before flying | Payment checklist |
| Failed on landing day | Payment failed |
This guide = Alipay tap path + test. Do not repeat eligibility theory from the Question page.
适合谁
Foreign passport holders setting up Alipay before the first day in mainland China.
下一步
On home Wi‑Fi: install official Alipay (blue icon, not AlipayHK), register with a number that still gets SMS, finish passport Identity, then Me → Bank Cards → Add a physical Visa or Mastercard. Confirm Scan (扫一扫) and Pay (收付款) open with no error. Do not look for Tour Pass — that old prepaid wallet is not the 2026 bind path. Pair with WeChat Pay the same evening.
怎么做
Install official Alipay, not AlipayHK
Complete passport Identity before Add Card
Bind a physical Visa or Mastercard under Bank Cards
Open Scan and Pay with no error
Enable WeChat Pay the same evening
常见坑
Looking for Tour Pass
Skipping passport KYC
No SMS access
First real test at the airport curb
可能变化的部分
Card eligibility, KYC time, and merchant acceptance vary by bank and app version.
备选方案
Second card → WeChat Pay → physical card at chains → ¥200–500 cash → hotel desk. Never pay via a stranger’s QR or a “helper” who wants your login.
常见问题
Do I need a Chinese bank account?
No — inbound card-bind is the usual tourism path.
Is Tour Pass how I add my Visa?
No. Use **Bank Cards**. Tour Pass was the old prepaid product. **TourCard** is a later prepaid mini-program — only if direct bind fails.
Can I finish a test payment before I fly?
You can prove Scan and Pay **open**. A mainland shop QR usually only works **in China**.