如果你是第一次來中國，那可能會驚訝地發(fā)現(xiàn)，幾乎所有人都在使用移動支付。

If you are planning to visit China for the first time, you may be surprised to learn almost everyone here uses their smartphone pay for most goods and services, which means cash isn’t convenient.

2005年常被視為中國移動支付行業(yè)元年，這是由于2004年底支付寶業(yè)務(wù)的推出。2013年，依托于微信生態(tài)系統(tǒng)的移動支付平臺——微信支付推出。據(jù)統(tǒng)計，2016年，中國消費者通過移動支付平臺花費了5.5萬億美元，大約是美國的50倍。到了2023年，中國消費者在五一假期期間使用支付寶進行的旅游相關(guān)消費，與2019年同期相比增加了70%。Adyen的研究顯示，92%的消費者使用支付寶或微信中的數(shù)字錢包作為其主要支付方式。而隨著人工智能技術(shù)的進步，人們還能夠通過面部掃描來支付，成為一種新的移動支付方式。如今，中國的移動支付市場居全球首位。

In retrospect, 2005 might be identified as the first year in the country’s mobile payment industry, with Alipay coming online at the very end of 2004. WeChat Pay, a mobile payment platform built into the WeChat ecosystem, was introduced in 2013. In 2016, Chinese spent $5.5 trillion through mobile payment platforms, about 50 times the amount in the United States. In 2023, travel-related purchases by Chinese consumers using Alipay jumped 70% during the Labor Day holiday, compared with the same period in 2019, according to an Alipay statement. According to Adyen's research, 92% of consumers in China now use the QR-code-driven digital wallets Alipay or WeChat Pay. And advances in AI technology enable people to pay with a face scan as a new mobile payment option. China is now the world’s biggest mobile payment market.

在美國等一些發(fā)達經(jīng)濟體，信用卡仍舊是主要支付方式。在新冠疫情期間無接觸支付的推動下，許多國家正加速發(fā)展其移動支付系統(tǒng)。由于不同國家的具體支付方式有所不同，那么，初來中國的外籍人士，應(yīng)該如何開啟在華移動支付之旅呢？看看新聞記者帶你一起探探路。

In advanced economies like the United States, the primary method of payment is the credit card, while the pandemic has led many countries to improve their mobile money ecosystems due to a rise in contactless payments. The mobile payment services may vary from country to country. For foreigners who have never been to China, it's always better to set these things up before you travel. So we did some research for you... Here are some tips.

1、支付寶/微信直接綁定海外銀行卡，進行電子支付

Link your overseas credit card to Alipay or WeChat

支付寶支持海外銀行卡綁定

Alipay: it supports some of foreign credit and debit cards

從來沒有來過中國的外籍人士，在本國的時候就可以嘗試這么做，下載支付寶APP，選擇綁定非中國大陸地區(qū)發(fā)行的VISA、Mastercard、Diners Club、Discover海外銀行卡。

Foreigners who have never been to China can download the Alipay APP in their home country and link their overseas bank cards that are not issued in Chinese mainland. The issuers include VISA, Mastercard, Diners Club and Discover.

海外用戶可以注冊微信，如果已有綁定的中國的銀行卡，就可以綁定非中國大陸地區(qū)發(fā)行的Visa、Mastercard、JCB海外銀行卡

Wechat is a little more complicated: overseas users can register in the APP, but if they want to link an overseas bank card, they have to first bind a Chinese bank card to WeChat.

2、上海銀行“華付通”，即時充值，便捷支付

TourCard from Bank of Shanghai

A mini-program available in Alipay or Wechat

來自上海的上海銀行，有一項華付通卡“Tour Card”服務(wù)，是面向境外人士推出的境內(nèi)移動支付服務(wù)。在入境前，可以先在本國綁定海外銀行卡并提交申請。

If you don't have a Chinese bank account yet, a service called "Tour Card" offered by the Bank of Shanghai might worth a try. It is designed to provide mobile payment services for overseas travelers across the Chinese mainland just with their overseas bank cards. Before arriving in the Chinese mainland, foreigners can submit an application in their home country for linking their overseas bank card to "TourCard".

在下載并注冊支付寶或微信后，可以通過小程序搜索獲得華付通卡。隨后，可根據(jù)頁面信息完成個人信息驗證和通過海外銀行卡的賬戶充值。

After you've downloaded and registered Alipay or Wechat APP in your home country, as we just discussed, you can search "TourCard" in Alipay or WeChat mini-programs. Then, you can follow the guide to verify your personal information and top up money from overseas bank cards.

華付通目前支持Visa、萬事達卡、大萊卡、JCB卡的充值，并在將來支持美國運通卡。

Currently, "TourCard" supports four card schemes: VISA, MasterCard, Diners Club International and JCB. It will support American Express in the future.

3、辦理中國國內(nèi)銀行卡，刷卡支付

Chinese bank cards: These can be issued only upon application in person in China

中國五大銀行支持外籍人士辦理中國銀行卡，本人持證件到相應(yīng)銀行柜臺辦理即可。

The big five banks in China support foreigners applying for Chinese bank cards, and they all require clients to go to the bank in person with relevant identification and paperwork.

4、直接使用海外銀行卡？POS機還是一個好朋友

Use overseas bank cards directly?

Try POS machines

以上海為例，很多POS機可以接受主要海外發(fā)卡行的銀行卡。

Apart from mobile applications, cash and POS machines are still used in China, like many other countries in the world.

（看看新聞Knews 吳旭童 陳彬）