If you are a foreigner and want to use WeChat payment in China, the operation is not complicated. First, you need to register and authenticate your WeChat account with real name, enter the payment function in the settings to complete the verification of your passport information and mobile phone number; secondly, you bind an international credit card or local bank card, add a bank card in the "wallet" and enter relevant information. It is recommended to choose a supported local card for stable use; then you can scan the code to pay, shop online or transfer money to friends in various scenarios; finally you need to pay attention to the default settlement in RMB, possible exchange rate fees, restricted functions, and confirmation amounts when paying, etc. It is easy for short-term tourists to use, and it is recommended to have in-depth understanding of relevant policies for long-term residence.

If you are a foreigner and want to use WeChat Pay in China, the operation is actually not complicated. As long as you have a smartphone, a WeChat account, and bind an international credit card or local bank card, you can use it normally.

1. Register and authenticate your WeChat account with real name

Before using WeChat Pay, you first need to register a WeChat account. If you already have an account, you can go directly to the settings for real-name authentication.

• Open WeChat and click "Me" → "Service" → "Wallet"
• Click “…” in the upper right corner to enter payment settings and select “Real Name Authentication”
• Fill in your passport information, mobile phone number and other basic information
• Upload passport photos and submit them for review

Only after completing real-name authentication can you bind your bank card and use the complete payment function.

2. Bind international credit card or local bank card

WeChat supports binding some international credit cards, such as Visa, MasterCard, American Express, etc., and also supports binding to local Chinese bank cards (such as Wise and Revolut cooperation accounts) opened through some third-party platforms.

• Click "Bank Card" in "Wallet"
• Click "Add Bank Card"
• Enter card number, validity period, CVV code and other information
• Verify mobile phone number and verification code sent by the bank

Note: Some international cards may not be supported or may only be used for small payments. If you use it frequently in China, it is recommended to consider applying for a local bank card that supports binding to WeChat.

3. Use WeChat to pay for payment

After the binding is successful, you can use WeChat payment in various scenarios:

• Offline shopping : Open "Scan" in the upper right corner of the WeChat homepage, scan the merchant QR code to pay
• Online shopping : directly select WeChat Pay on mini programs, official account malls, takeaway platforms and other pages
• Transfer money to a friend : Click "Come and Pay" → "Pay to a friend" or "Come and Pay in a QR code"

Some small stores may only accept RMB payments, so it is recommended to maintain a sufficient balance or bind a stable credit card.

4. Precautions and FAQs

• WeChat Payment is settled in RMB by default, and international cards may incur exchange rate conversion fees.
• Certain functions (such as red envelopes, change withdrawals) have restrictions on non-Chinese residents
• Remember to confirm the amount and merchant information when making payment to avoid misoperation
• If you encounter payment failure, check the network connection, whether the transaction limit is exceeded, bank card status and other issues

If you are traveling to China in a short term, it will be very convenient to use WeChat payment; if you are living for a long time, it is recommended to have a deeper understanding of relevant financial policies to ensure smooth use.

Basically all this is it, it’s not difficult to operate, but some details are easy to ignore.

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