中国支付指南
中国移动支付非常普及。出发前设置钱包、准备备用方案，并在抵达后先做一笔小额测试。
先看结论
外国游客在中国怎么付款
出发前先准备支付宝，再准备微信支付，外卡主要作为酒店、机场和应急备用。
抵达前
如果你正在查中国支付方式
只设置支付宝和微信支付还不够。搜索支付问题的游客通常还需要用于验证的移动数据、支持外国护照入住的首晚酒店，以及出发前的行李和电池检查。
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抵达前设置
把支付准备变成更稳的中国第一天
钱包要能用，前提是能收短信、能联网、能到酒店，并且酒店支持外国护照入住。在柜台测试支付宝或微信支付前，先完成这三项。
Affiliate 披露：如果你通过 Trip.com 链接预订，China Travel OS 可能获得佣金，不会改变你的支付价格。
Link an eligible foreign card to a wallet, then test it before you rely on it
Tencent states that overseas visitors can bind an eligible foreign credit or debit card to WeChat Pay and use it at participating merchants. Card approval and merchant acceptance can vary, so keep a second wallet and some cash instead of relying on one setup.
只想看设置步骤？
如果你只需要出发前设置支付宝和微信支付，用这份精简指南。
美国 PayPal 用户看这里
绝大多数中国商户不直接收 PayPal,看看 2026 年 PayPal 接入微信支付和支付宝的方案。
⚡ 最短回答
最佳选择：支付宝旅行通
- • 出发前使用符合条件的外卡设置钱包
- • 在能接收短信时完成身份和银行验证
- • 抵达后先做一笔小额支付测试
- • 准备第二个钱包或现金作为备用
备选方案：微信支付
- • 同样支持绑定外卡
- • 部分商户只收微信支付
- • 微信也是必备通讯工具
- • 小程序覆盖大量服务
Alipay (支付宝)
How to Set Up:
- 1Download Alipay app from App Store / Google Play
- 2Register with phone number (Chinese or international)
- 3Go to "Me" → "Bank Cards" → "Add Bank Card"
- 4Enter your Visa/Mastercard credit or debit card details
- 5Verify with SMS from your bank
- 6For payments, show your QR code or scan merchant QR
💡 Tips
- • Check in the app whether your foreign card is eligible before travel
- • Complete identity and bank verification while you can receive SMS
- • Make a small test payment after arrival before relying on one wallet
- • Keep a second wallet or cash as an independent backup
⚠️ Warnings
- • Daily/annual transaction limits may apply for foreign cards
- • Some features like wealth management products require Chinese ID
- • Card verification SMS may not arrive if your bank blocks China SMS
按场景推荐支付方式
🎯 关键要点
✅ DO
- • Set up Alipay with your foreign card BEFORE arriving
- • Download and register WeChat
- • Carry some cash (500-1000 RMB) as emergency backup
- • Notify your bank you're traveling to China
- • Bring a Visa or Mastercard (not Amex — lower acceptance)
❌ DON'T
- • Don't assume credit cards work everywhere
- • Don't rely solely on cash
- • Don't forget to enable international transactions on your card
- • Don't exchange money at airports (bad rates)
- • Don't bring only American Express