Alipay支付宝

Foreign visitors can register with a non-mainland number and bind an international card. A mainland bank account is not required.

境外旅客可用非内地号码注册并绑定国际卡。不需要内地银行账户。

Install Alipay (Ant Group) from your home store, not AlipayHK, unless you already use an Alipay+ home wallet.

在家里的应用商店装支付宝（蚂蚁集团），不要装 AlipayHK，除非你已经在用 Alipay+ 钱包。

Official path in 2026 is direct card bind in the main app. Do not treat Tour Pass as the default — new applications were not verified as open.

2026 年官方路径是在主应用里直接绑卡。不要把 Tour Pass 当默认——未能核实新申请是否仍开放。

Ant Group list (5 Sep 2024): Visa, Mastercard, JCB, Discover, Diners, UnionPay International. Amex can bind, but Amex cards issued by third parties outside the mainland are currently not eligible.

蚂蚁集团 2024 年 9 月 5 日名单：Visa、Mastercard、JCB、Discover、Diners、银联国际。运通可以绑，但内地以外第三方发行的运通卡目前不能。

Regulatory ceiling still cited in July 2026: USD 5,000 per transaction / USD 50,000 a year. That is an institutional ceiling, not a guarantee.

2026 年 7 月仍引用的监管上限：单笔 5000 美元 / 年累计 5 万美元。这是机构上限，不是保证。

Municipal pages republish a fee waived under RMB 200 and 3% above. Read the confirmation screen. It changes often.

市政页面转载：单笔 200 元以下免手续费，以上 3%。以确认页为准，经常变。

Foreign-card wallets: merchant payments yes; person-to-person transfers no. Alipay English hotline +86-571-2688-6000.

外卡钱包：可以给商户付款，不能个人转账。支付宝英文热线 +86-571-2688-6000。