How do overseas people recharge Alipay?Register, log in, use TourPass authentication

If you are an overseas Chinese, in a foreign country, and want to know how to rechargeAlipay, TourPass strategy is a must.Through this guide, you can easily learn how to recharge Alipay overseas, making it easier and more convenient for you to register and log in to TourPass authentication!

Update on July 2023, 7: The Alipay Mini Program TourPass has been suspended▼

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(The following content is old information, for reference only)

Alipay overseas version: a new way for international users to use international bank cards to shop

• With the process of China's internationalization, more and more foreigners and tourists travel to China andLife.In order to facilitate their shopping payment, Alipay has launched the "Alipay Overseas Edition" for foreign users and tourists.
• This version of Alipay allows foreign Chinese and foreign tourists to register with foreign mobile phone numbers, use foreign passports for real-name authentication, and then use foreign bank cards to make payments.
• Let's take a look at how to use this new payment method.

Register Alipay overseas version to use international bank cards

Step 1:Download and register Alipay overseas version.

if you are apple orAndroidusers, you cansoftwareShop to download the Alipay app, namely Alipay ▼

Step 2:enter yourcellphone number, and get the SMSVerification code, then confirm using "International Version" to complete the registration ▼

Next, you need to carry out real-name authentication, using foreign passports and personal information for authentication, and then you can use international bank cards for payment.

How Hong Kong residents use the Hong Kong version of Alipay

• If you are a resident of Hong Kong, China, you need to use the Hong Kong version of Alipay (Alipay HK), because the international version of Alipay is not open to mobile phone users in Hong Kong and Macau, China.
• The Hong Kong version of Alipay is a different application from the mainland version. If you want to use the mobile payment service in the mainland, you can operate it through the bank account in mainland China opened by Bank of China Hong Kong.

Overall, the launch of Alipay's overseas version is an important step in China's internationalization process.As more and more foreigners and tourists come to China, this new payment method will provide them with more convenient and secure payment services.

How foreigners use Alipay in China: TourPass

With the continuous development of China's economy and the trend of globalization, more and more foreigners have begun to travel, work and live in China.

However, for them, there are still some difficulties in using mobile payment platforms such as Alipay in China.

Due to China's financial regulatory policies, foreigners will encounter some problems in applying for bank cards and using Alipay in China.For this difficulty, Alipay has launched a new function for foreigners: TourPass.

What is TourPass?

• TourPassIt can be understood as a function of Alipay designed for use by foreigners.
• Foreign users through "TourPass"Apply for an electronic "consumer card" of Bank of Shanghai.
• After the user authenticates his identity, he binds his overseas bank card to recharge this Chinese "consumer card", and can realize offline payment by scanning codes throughout China.
• Using Tour Pass to support offline code scanning, basically foreigners can use Alipay to pay in China.
• From clothing, food, housing, transportation, travel to payment in all aspects of consumption scenarios, you can get almost the same experience as Chinese users.

TourPass usage rules

premise:needs to be overseascellphone numberRegistered Alipay cannot be bound to a mainland ID card.Prompt to verify nationality for the first deposit.

Entrance:Open the overseas version of Alipay and search for TourPass to see it.

Supported credit cards:Just like Alipay direct payment, only Visa, Master, Dinner's Club and JCB are supported, Amex and Discover are not supported.

Recharge method:At present, the recharge amount supports a minimum of 100RMB and a maximum of 2000RMB. The validity period is 90 days. You can recharge multiple times. After the valid number of days is exceeded, it will be automatically returned to your overseas bank card.After recharging, Alipay will support QR code payment.

Use range:According to Alipay's official announcement, the TourPass function can be used in all merchants that accept Alipay payment, and there is no obvious difference with Chinese users.However, Tourpass can only be used for consumption and cannot be used for transfers between users.

balance refund: The balance in TourPass will be refunded to the international bank card used for recharging 90 days after recharging.So there is no need to worry about the waste of balance.

TourPass exchange rates and foreign fees: The exchange rate of Alipay TourPass recharge is close to the real-time exchange rate, so don't worry about the exchange rate.For international bank cards, this top-up behavior is an overseas consumption, and you can choose a credit card with no overseas fees, such as the Bank of America Travel Rewards card (BoA Travel Rewards card).This card not only has no annual fee and overseas handling fee, but also can enjoy 1.5% unlimited cash back on all consumption (including recharging to Alipay).

How do foreign users top up Alipay with TourPass?

Topping up with TourPass is very easy, just follow the steps below to top up your TourPass:

Step 1:Open the overseas version of Alipay and find the "TourPass" icon ▼

Step 2:Enter personal information, including nationality, date of birth, name, passport number, etc., and submit your ID photo▼

Step 3:Enter the international bank card information, and then select the recharge amount (the amount of a single recharge is between ￥100~￥2000) to completeRechargeAlipay▼

Step 4:Set a 6-digit password, and Alipay will generate a QR code, which can be used to scan codes for mobile payment at merchants that accept Alipay.

• There are also some caveats to using TourPass, such as balance refunds. The balance in TourPass will be refunded to the international bank card used for recharging 90 days after recharging, so there is no need to worry about wasting the balance.

Non-Tour Pass payment

In addition to using Tour Pass, the main payment methods supported by Alipay include:Pay directly on the Alipay APP (including jumping to the online merchant payment page),TaobaoPay with Tmall and Fliggy.

The following ranges are supported:

1. Added support for offline scan code payment, merchant scan code payment, no handling fee for the time being;
2. Alipay can only bind VISA, Master and JCB credit cards at present;
3. Taobao APP supports the use of VISA, Master, JCB, Discover and Dinner's Club credit cards, as well as Amex for some users;
4. At present, only online payment is supported, and offline payment (including any scanning code payment) is not supported for the time being;
5. Since the settlement party is located in the United States, these payments are not counted as overseas payments, and there will be no foreign card conversion fee (FTF);
6. Alipay APP supports the payment of mainland phone bills and Fliggy mini-program payments (most credit card fees are 3%, except 12306);
7. When purchasing on Taobao, Tmall and Fliggy, you can send to any address, but you need to pay a 3% handling fee;
8. When buying a high-speed rail ticket, you don’t need to pay a 12306% handling fee if you jump directly on 12306 or buy it on the 3 applet of Alipay APP.

Use overseas credit card Alipay to scan code and swipe card online, free of charge

The Alipay applet already supports online payment with overseas credit cards without charging any handling fees.

• Previously, Alipay only supported offline QR code payment (the merchant scans the customer's QR code without charging a handling fee).

There are two ways to enter the account:

1. Supermarket (can trigger multiple points)
2. Online payment.

Basically, Alipay will have all the mini-programs owned by WeChat, just search in the search box.

The consumption categories of Alipay and Taobao often change. A brief summary is as follows:

• Offline code scanning large stores(No handling fee, counted as overseas consumption), the original category is supermarket (Grocery store), changed to entertainment consumption (Entertainment).Even if you swipe your card at a real supermarket, it will still count as this new category.
• Offline QR code scanning small store(No handling fee, it counts as overseas consumption), the category has been relatively stable, and there are no rewards. It belongs to the grocery store (Merchandise – Variety Store), which can basically be regarded as only 1 times the points.
• Pay by Alipay(Alipay service fee is 3%, counted as overseas consumption), the original category was a supermarket (Grocery store), and later changed to a department store (Department Store), and it is estimated that it will continue to become an online shopping category.
• Taobao USD checkout(Alipay service fee 3%), the original category was Department Store (Department Store), now it is Online Shopping (Online Shopping), and the V/M consumption location may jump outside the United States, resulting in FTF (Foreign Transaction Fee, foreign transaction fee) ), previously VISA/Master was counted in the United States, and Amex was counted in Singapore.
• Note: These categories may be subject to change.

What should I do if the foreign credit card Alipay Tourpass is restricted?

Account Limits:

In the past, when Alipay used overseas credit cards, as long as the amount was not too large, it was basically fine.

But later, Alipay strengthened its risk control. In addition to the above-mentioned amount, it seems that when using an overseas card, a window will pop up. For example, to recharge a mobile phone in the Alipay application, you need to enter mm/yy and CVV.

How to remove Alipay Tourpass restrictions?

When you encounter Alipay account restrictions, you need to contact Alipay customer service to lift the restrictions.The specific operation steps are as follows:

In the Alipay mobile application, find "我的客服"option, enter"人工"Keyword, customer service will talk to you immediately.

The first-level customer service may not understand foreign card payment, you can ask him to transfer to the customer service of foreign card payment.After that, the customer service will ask you to submit relevant materials and send a link to the email address you provided.

The following materials need to be submitted. After submission, we will get a reply within three working days:

1. A front photo of the bank card used for payment;
2. Bank card statement (i.e. bank statement);
3. Identification materials (ID card, passport, driver's license, etc.).

How do overseas users apply for Alipay for real-name authentication?Please check the real-name authentication tutorial for foreigners’ passports below ▼

🔗How to register an Alipay account in Malaysia? Real-name authentication for foreign passports

• Overseas users can choose passport real-name authentication or bank card authentication.
• If you choose bank card verification (the bank card must be a card issued in mainland China), you will enter the card binding page and directly enter the quick binding link.