How Can Foreign Users Make Payments in China Via WeChat?

Foreign users can make payments via WeChat by linking their international credit or debit cards to the WeChat Pay platform. 

外国用户可以通过将其国际信用卡或借记卡接入微信支付平台，通过微信进行支付。

Once the cards are successfully linked, foreign users can use WeChat Pay to make payments to merchants across various sectors, including dining, shopping, transportation, and hotel accommodation.

一旦信用卡成功连接，外国用户就可以使用微信支付向各个行业的商家支付费用，包括餐饮、购物、交通和酒店住宿。

This convenient and seamless payment method enables foreign users to “pay like a local” in China, without the need to carry cash or open a Chinese bank account.

这种方便、无缝的支付方式使外国用户可以在中国“像本地一样支付”，而不需要携带现金或开立中国银行账户。

To bind their foreign cards to WeChat Pay, users can follow these simple steps:

要将外国卡绑定到微信支付，用户可以遵循以下简单的步骤：

●Make sure the app is updated to its latest version.

●请确保该应用程序已更新到其最新版本。

●Open WeChat and go to the “Me” section.

●打开微信，进入“我”部分。

●Tap on “Wallet” to access your payment options.

●点击“钱包”来访问您的支付选项。

●Click on “Bank Card” and choose “Add a New Bank Card.”

●点击“银行卡”，选择“新增银行卡”。

●Enter the card number, select the type of card, and the issuing organization. Fill in the required card and personal information.

●输入卡号，选择卡的类型，以及发卡机构。填写所需的卡片和个人信息。

●Once everything is filled out, click “Submit.” A confirmation message will appear when the binding is successful.

●填写完所有内容后，请点击“提交”。当绑定成功时，将会出现一条确认消息。

After the verification, an SMS verification code will be sent to the phone number provided earlier. Enter the code to complete the verification process.

验证完成后，一个短信验证码将被发送到之前提供的电话号码。输入验证码以完成验证过程。

Finally, create a 6-digit payment password to ensure the security of your WeChat Pay account. Once these steps are completed, users can start using WeChat Pay with their foreign card for various transactions at millions of merchants, making payments in China as convenient as possible.

最后，创建一个6位数字的支付密码，以确保您的微信支付账户的安全。一旦这些步骤完成，用户就可以开始使用微信支付外国卡在数百万商家进行各种交易，使在中国的支付尽可能方便。

Following the latest update, transaction fees will be waived for single transactions below RMB 200 (US$27.82).

在最新更新后，200元（US$27.82）以下的单笔交易将免除交易费用。

For transactions above RMB 200 (US$27.82), a 3 percent transaction fee is charged. If you request a refund for a transaction, the fee will be reimbursed proportionally based on the refunded amount.

对于200元（US$27.82）以上的交易，收取3%的交易费。如果您要求退款的交易，费用将根据退还的金额按比例报销。

The exchange rate is calculated based on the exchange rate of the card organization and of the issuing bank of the international card.

汇率根据发卡机构和国际卡发卡银行的汇率计算。

It is important to note that there are some limitations when using a foreign card with WeChat Pay.

值得注意的是，在使用带有微信支付的外国卡时，也有一些限制。

Currently, foreign cards do not support features like red packets (known as hongbao in Chinese, a kind of monetary gift used during holidays or special occasions in China, which has also been incorporated into digital payment platforms including WeChat Pay) and direct transfers, as they are restricted to daily consumption transactions – which include direct purchases of goods and services.

目前，国外卡不支持红包功能（中文称为红包，一种在中国节假日或特殊场合使用的货币礼品，也已纳入数字支付平台，包括微信支付）和直接转账，因为它们仅限于日常消费交易，包括直接购买商品和服务。

In May 2023, Alipay also released a guide titled ”All you need to know when adding overseas bank cards in Alipay.” Their international card service is quite similar to WeChat Pay in terms of recommended usage scenarios, transaction fees, and exchange rate calculations.

2023年5月，支付宝还发布了一份名为“在支付宝中添加海外银行卡时所需知道的一切”的指南。他们的国际信用卡服务在推荐的使用场景、交易费用和汇率计算方面与微信支付非常相似。