Payees without a China bank account can also receive funds in their Alipay account if the payer has a verified Chinese bank and Alipay account. Do note, however, that each “Tour Card” has a validity of 180 days. “Tour Card” functions like an e-wallet, which users need to pre-load or top-up to make payments via one-time generated QR codes.Ĭurrently, Alipay mobile users can top up a maximum of 10,000RMB (~S$1,860) in the “Tour Card”, with a 5% service charge for each top-up. Besides the mobile payment option, Alipay also has a digital “Tour Card” in-app. 3) FunctionalityĪlthough both Alipay and WeChat Pay support mobile payments, they are inherently different apps.Īlipay is an online payment platform, similar to PayPal. Instead, the exchange rate is determined by the issuer of the linked credit cards. 2) Exchange Ratesīoth Alipay and WeChat Pay do not have in-app currency exchange rates. Transaction fees for transactions less than 200RMB will be absorbed by both platforms. WeChat Pay 1) Service Feesīoth WeChat Pay and Alipay charge a 3% transaction fee for single transactions above 200RMB (~S$37). Read also: 10 Essential Apps You Must Have for Travelling in China Comparing Alipay vs. A QR code reader will appear, prompting you to scan the merchant’s QR code for payment.Ĭard schemes supported by WeChat Pay include VISA, MASTERCARD, AMERICAN EXPRESS (AMEX), JCB, DINERS CLUB, and DISCOVER. To make a payment using the WeChat Pay app, go to the “Me” section and tap on the “Money” icon. You will be prompted to verify your identity by uploading a photo of your passport. Step 5: Add and fill out the details of the personal credit cards you wish to link to. You may also be prompted for a second verification - getting friends in your WeChat contact to verify your account by sending a code through. Check that your name is spelt with a space in between:, or that your phone number has never been used to create a WeChat account. It’s common to face errors when signing up for a new WeChat account. You’ll get a verification code via SMS to set up your account. Be sure to choose the correct country/area code. Step 2: Open the app and “sign up” with your existing phone number. If you’re an existing user, update your app to the latest version. Step 1: Download WeChat on Play Store for Android or App Store for iOS. For existing WeChat users, follow steps 3 through 5 to set up the Pay function. If you don’t already have WeChat installed on your phone, go through all the steps below. If you’re already a user of WeChat as a messaging platform, activating WeChat Pay (微信支付) is going to be a breeze for you. *Note: AMERICAN EXPRESS (AMEX) cards are currently not accepted. A QR code reader will appear, prompting you to scan the merchant’s QR code for payment.Ĭredit card schemes supported by Alipay include VISA, MASTERCARD, DINERS CLUB, DISCOVER, JCB, and UNION PAY. To make a payment using the Alipay app, go back to Alipay’s main screen and tap on the “Pay/Collect” or “Scan” icon below the search bar. Step 4: Tap on “+Add Card” to add your existing international credit cards. Step 2: Enter your existing mobile number (you’ll get a verification code via SMS). Step 1: Download Alipay on Play Store for Android or App Store for iOS. The 2023 updated version removed the “TourPass” function that required foreign users to top up a native e-wallet before usage. Alipay (支付宝)Īlipay (支付宝) rolled out its international version of the application that supports international credit cards in Nov 2019. You’ll find its installation and application processes simpler and more intuitive with instructions in English. If you’re new to both Alipay and WeChat Pay apps, my suggestion is to get Alipay. Step-by-Step Guide to Setting Up Alipay and WeChat Pay without a China bank account or Credit Card Here’s a step-by-step guide to setting up Alipay and WeChat Pay without a China bank account or China bank-issued credit card. Diners can scan a QR code that leads to the order sheet, and then scan another QR code to settle the bill.īut now, tourists can now link their international credit cards to these mobile payment apps. Seen in China: A tableful of food with a table full of QR codes for easy payment. And to have either of these, users need to be a Chinese citizen or a resident with a valid residential address in China. Previously, in order to activate the payment function on Alipay or WeChat’s mobile app, users would first need to have either a China bank account or a Chinese bank-issued credit card.
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