HOW-TOs

GUIDES 2020: HOW TO TOP UP ALIPAY ACCOUNT FOR FOREIGN TOURISTS WITH VISA / MASTERCARD AND MORE CREDIT / DEBIT CARDS?

|  外国游客怎样为支付宝账号充值(VISA/MASTERCARD 等国际银行卡版)


How to top up Alipay Account with Visa / MasterCard and More International Bank Cards

Table of Contents

Why Top Up Alipay Account for Foreigner Tourists?

| 为什么要给“支付宝”充值?

It is a good idea for foreign tourists to learn how to top up Alipay account by yourself so that you can enjoy the experience of paying with Alipay in China. Then you don’t have to worry about the lack of cash when you take a trip to China.

外国游客来中国前,学会亲自为自己的支付宝账号充值是个不错的方式。这样,你就能在中国旅游期间亲自感受一番用支付宝无现金购物的方便了。旅游期间,也不必担心手边没有准备足够用的人民币现金了。

You don’t have to learn ahead about how to recognize Chinese money or how to count the amount of Chinese cash when you purchase goods in a supermarket or retail store or are given Chinese changes in China. They won’t be your problems as long as you learn how to top up your Alipay account and pay with Alipay in China.

当你在中国超市或零售商店购物及找零时,你不必事先学会辨认中国的钞票,也不需要学会如何数人民币金额。只要学会为你的支付宝账号充值,然后用支付宝付款即可解决。

If fact, as a foreign tourist, you may have to ask others or the third-party’s top up service to help you top up into Alipay account before November 2019. And it has been quite difficult for a long time that the foreign tourists are unable to top up Alipay account or experience mobile payment in China as a local Chinese does if you don’t have a Chinese bank account or a Chinese phone number.

事实上,在 2019 年 11 月以前,外国游客得找其他人或提供充值服务的第三方平台才能为支付宝充值。很长一段时间里,若没有中国大陆地区的银行账号和当地手机号码,国外游客在中国大陆地区消费很难像当地人一样体验到便捷的手机支付服务。

However, there has been a new solution offered by the Alipay International version since November 2019, which supports Foreign tourists to top up their Alipay account with an international bank card to pay in the Chinese mainland.

但是从 2019 年 11 月起,支付宝发布了国际版来解决这个问题。支付宝国际版允许外国游客通过国际银行卡为支付宝账号充值,以便他们能在中国大陆地区使用支付宝付款。

If foreigners have not yet owned an Alipay account, then they can firstly download Alipay app from the Appstore before departing for China, register an Alipay account using their overseas phone numbers, select the Alipay international version for usage and then top up the fresh Alipay account with their VISA or MasterCard, etc.

若无支付宝账号,那么外国游客可以在前往中国前下载并安装好支付宝应用,用非中国的手机号免费注册一个支付宝账号,然后选择进入支付宝国际版,再用自己的 VISA 或 MasterCard 等国际银行卡完成支付宝账号的充值。

In this way, foreigners can use the amount freely to pay via Alipay in the Chinese mainland within 90 days since the first top-up, instead of asking someone’s top-up help or obtaining a Chinese phone number or Chinese bank card at first.

如此这般,在充值起的 90 天内,外国游客们就能在中国大陆地区自由地使用支付宝里的金额买买买,而无需找人帮忙充值了,也无需拥有一个中国手机号或中国银行卡了。

Now, if you have such a demand, just follow the step-by-step guide that can help you learn how to top up Alipay account with your VISA/Mastercard and more international credit/debit cards.

现在,如果你是外国用户,阅读以下教程可以帮助你在无任何中国银行卡或中国手机号的情况下如何注册一个支付宝国际版账号并为支付宝充值。

Who Is Applied To This Guide?

| 本教程适用的人群?

The following guide applies to:

以下教程适用于:

A. Foreigners who have already registered an Alipay account with a mobile phone number. If not, please read this guide to register Alipay international account with a non-Chinese phone number at first. No annual fee will be charged for Alipay account registration and usage.

A. 已经拥有支付宝账号的外国人,并且已绑定了自己的手机号。若没有,请阅读这篇用手机号注册支付宝国际版账号的教程。任何人注册和使用支付宝都无需支付任何年费。

B. Those who have at least one valid Credit or Debit card, like VISA、MasterCard, JCB or Diners Club International.

B. 拥有至少一张生效的国际银行借记卡或信用卡,比如 VISA、MasterCard、JCB 或 Diners Club 的银行卡;

C. Those who are planning to start a trip to the Chinese mainland and have already obtained a Chinese VISA.

C. 计划前往中国大陆地区旅游并已获得中国的入境签证;

What Alipay’s Function Is Referred to Here?

| 本教程涉及的功能

As of November 5, 2019, Alipay international version provides a “TourPass” mini-program, which can help foreigners apply for a virtual electronic “Prepaid card” of the Bank of Shanghai. And via this service, foreigners can top up Alipay account and transfer money from their own International bank card into Alipay international account.

从 2019 年 11 月 5日起,国际版支付宝内提供了一个内置的“TourPass”小程序,能帮助外国游客申请到一张由上海银行提供的虚拟的电子“预付卡”并绑定到支付宝国际版账号内,然后借此可以将钱从国际银行卡里充值到支付账号里。

“TourPass” in Alipay international version is the service to enable foreign tourists to pay at retail outlets, restaurants and transportation services around China after topping up Alipay.

“TourPass” 是支付宝国际版中让国外游客充值后可以在中国境内的零售店、餐馆以及公共交通设施中用手机支付的服务。

It allows you to load money into Alipay TourPass from your credit/debit card for 90-day mobile payment experience. Later, any unused balance will be refunded to your bank account after 90 days.

该服务允许您将钱从信用卡或储蓄卡转到支付宝的 TourPass 服务里,用于 90 天的手机支付体验。之后,未用完的金额将会在 90 天后返回到您的银行卡上。

Please continue to the followings and take a look at how to top up Alipay account step-by-step.

继续阅读以下内容,看看怎样一步步地为支付宝账户充值。

How to Top up Alipay Account With VISA/MasterCard and More Debit/Credit Cards?

| 怎样用国际银行卡为支付宝账号充值?

Step 01

 

 

 

 

Step 01.   Launch & Login Your Alipay Account

| 登录支付宝应用

 

How to Top up Alipay Account with Visa MasterCard and More in 2020

Launch the Alipay app by clicking the “Alipay logo” from your mobile phone’s desktop.

从手机桌面里找到支付宝图标,点击启动支付宝应用。

After it is launched, input your registered phone number and click the “Next” button to continue the sign in step. Although you are also able to login with an Email address or Taobao ID, the only way of login with a phone number can make the following steps smoothly for topping up via TourPass service.

启动后,输入注册时使用的手机号码,然后点击 “下一步” 继续登录流程。尽管你还可以输入邮箱地址或淘宝账号来登录支付宝,但是只有通过手机号登录才能帮助你顺利完成接下来的 TourPass 充值服务。

You may be probably asked for verification if you try to login via phone number. In order to receive verification messages smoothly, please make sure that you are staying in the region with no problem to receive short messages.

当尝试用手机号登录时,你可能会需要进行手机验证。请确保你待在能接收手机短信的地区,以便能顺利收到验证码。

Step 02

 

 

 

 

Step 02.   Make Sure Using Alipay International 

| 使用支付宝国际版

How to Top up Alipay Account with Visa MasterCard and More in 2020

When you first register an Alipay account, you will be asked whether to use the international version of Alipay or not. Click the “Yes” button so that you can then use the necessary TourPass service opened only for foreign tourists who don’t have a Chinese Bank account.

首次注册支付宝账号时,你可以选择是否使用支付宝国际版。请点击按钮“是”,这样,你才能开启专为无中国银行卡的外国游客提供的 TourPass 服务。

If you login Alipay with your mobile phone number successfully, but not sure if you are using the Alipay International version, you can go to Me page by clicking the “Me” tab menu at the bottom, then click the top-right “Settings” button to jump to the page, go to the “Region” field and change it to somewhere overseas. After that, you might generally be switched to the Alipay International version, in which there are fewer services provided for overseas on the main page than that for the local Chinese.

若已用手机号登录了支付宝,但你并不确定正在用的是不是支付宝国际版,你可以点击底部菜单“我的”,然后点击右上角的“设置”按钮进入支付宝的设置页面,再点击“地区”菜单,进入后将地区修改为某个海外地区,这样基本上你就能切换到支付宝国际版了。在国际版的首页里,外国用户能看到的服务入口比当地中国人能看到要少一些。

Step 03

 

 

 

 

Step 03.   Launch TourPass Mini-Program 

| 打开 “TourPass” 小程序

How to Top up Alipay Account with Visa MasterCard and More in 2020

Here we start talking about the TourPass service in the latest Alipay international version.

接下来就要说到最新版支付宝里的 “TourPass” 功能了。

Generally, you will see a “TourPass” icon on the main interface of the Alipay International version. If not, you can type “tourpass” in the top search box and find it in the search results.

通常情况下,在支付宝国际版的主界面中你就能看到一个“TourPass”的小图标。如果没有,那么你可以在顶部的搜索框中输入“tourpass”,从搜索结果中找到它。

Please click “TourPass” icon to enter Alipay’s TourPass page, where you can start top-up Alipay from your local bank account.

请点击 “TourPass” 图标进入该服务页,在这里你可以从当地银行卡中充值到支付宝里。

Before top-up, you can also click the link “Enjoy wallet-free travel across China” or “What’s this” to get to know more details about how the TourPass works for you and what is the Prepaid Card used in the TourPass service.

开始充值以前,你可以先点击 “在中国境内体验无钱包旅行” 或“这是什么”的链接来了解更多关于使用TourPass 以及 TourPass 中预付卡的介绍。

How to register Alipay International account on overseas smartphones without Chinese bank account

How to register Alipay International account on overseas smartphones without Chinese bank account

Step 04

 

 

 

 

Step 04.    Select Top-up Amount in CNY 

| 选择要充值的人民币金额

How to Top up Alipay Account with Visa MasterCard and More in 2020

Please select an amount option in TourPass’s main page.

请在 TourPass 首页中选择一个充值金额。

Please note: the unit of all the amount here is the Chinese Yuan. That’s to say, the amount you choose for top-up is Chinese RMB.

注意:这里所有金额都是按人民币的元为单位。也就是说,选择一个你期望充值的人民币金额。

At present, it allows to top-up per time ranging from the minimum  ¥100 CNY (approximately $14 USD) to the maximum ¥2000 (approximately $258 USD).

目前,支付宝国际版允许的单次充值金额范围为单次最小 100 元人民币 (约 $14 美金) ~ 单次最高 2000 元人民币 (约 $258 美金)。

It’s recommended your first top-up with a small amount since it allows multiple times to transfer and the money topped up here has a validation NOT up to 90 days. Once it is out of 90 days, the balance will be returned back automatically to your bank account which has been used for the Alipay top-up before. And the money-return issue will be completed in a few working days.

建议首次充值可以选择较小的金额,因为支付宝是支持多次充值的,而且这里充值到支付宝国际版的金额是有 90 天使用期限的。如果超过90天,剩余未用完的金额将会在一定工作日之内自动返还给当初充值的那张银行卡中。

However, it is not unlimited to top up Alipay account. The upper amount has not been told to the public by Alipay. If you estimate to have a big spending plan during the traveling in China, it is better to take along with a bank card and a little cash in case you may need them.

不过,充值到支付宝账号的次数并不是没有上限的。 支付宝并未公开透露充值金额上限。若你预计在中国旅行途中有更多的消费计划,还是可以带上银行卡和少量现金以备不时之需。

Step 05

 

 

 

 

Step 05.   Provide Necessary Infos at First Top-up

| 首次充值,需填写必要的个人信息

How to Top up Alipay Account with Visa MasterCard and More in 2020

After selecting your first top-up amount, you will be taken to a page that requires you to fill in some necessary personal information, including providing your Passport info and uploading your Passport & VISA documents’ photos.

选择了首次充值金额后,你将跳转至另一页面填写必要的个人信息,包括提供你的护照信息,和上传你的护照和签证照片。

Step 06

 

 

 

 

Step 06.   Enter International Bank Card Info

| 输入银行卡信息

How to Top up Alipay Account with Visa MasterCard and More in 2020

The most important thing is, to enter the information of your International bank card for top-up, which is also the channel to get the rest money back later.

最重要的是,填写你的国际银行卡信息,便于充值,同时它也是用来接收退回的剩余金额的渠道。

Moreover, please do not forget to tick the agreement at the bottom “You agree to enter into the …”, and then click the “Next” button.

另外,别忘记勾选底部的“你同意…”信息,并点击 “下一步” 按钮。

Step 07

 

 

 

 

Step 07.   Confirm and Load Money

| 确认并充值

How to Top up Alipay Account with Visa MasterCard and More in 2020

A final service confirmation will pop up. Please read it carefully and click “Confirm & Pay” after you’re sure about it. Then a notice “Loaded XXX successfully” will be displayed, which means the money you chose is transferred from your oversea bank card to Alipay international version with success.

执行转账前,界面中将会弹出最终确认信息。请仔细阅读一下,然后在确认后点击 “确认并支付”的按钮。之后一条 “ XXX 金额充值成功” 的消息将在界面中显示出来,意味着目标金额已经从你的银行卡中成功转到了支付宝国际版中。

Click “OK” button to go back to the main page of TourPass. The money your Alipay now owns and its validation info are displayed on the top prepaid card of the page.

点击 “确认” 按钮返回 TouPass 首页。此时,你的支付宝中拥有的金额和有效期信息出现在页面上方的预付卡中。

How to register Alipay International account on overseas smartphones without Chinese bank account

Congratulations! Now you top up to Alipay international account successfully.

恭喜你!至此,你完成了一次支付宝充值了。

Then you are free to use the money in Alipay by either showing your Payment QR Code to vendors (the most common) or scanning others’ QR code.

然后你就能通过向商家出示你的支付二维码或者扫描对方的二维码来完成手机支付了。

Answer Other Questions About Alipay Top-up?

| 回答其他的充值问题?

Q: How Can I Get My Balance in Alipay Account Refunded?

|  问:怎样可以退回我的支付宝账户里的余额?

If there is the balance remained in your Alipay account and can not be used up after your trip ends, the balance will be automatically refunded to your bank account used for Alipay top-up, after the balance amount expires (probably after 90 days). The specific amount will be based on your bank statement.

若旅游结束时,您的支付宝账户中仍有剩余人民币金额尚未用完,这些钱将会在到期后(可能 90 天后)自动退款至您原充值付款的银行账户里。具体到账金额将以您发卡银行的账单为准。

Q: Shall I Pay Any Extra Fee for Each Top-up?

|  问:每次充值需要支付手续费吗?

From January 3rd, 2020, 5% of the top-up amount (CNY) will be deducted each time as an extra service fee. The actual amount of service fee deducted could be checked via your bank statement.

自2020 年 1 月 3 日起,每次充值都将额外扣除充值人民币金额的 5% 作为服务费。您可以通过您的银行账单来查看实际扣款金额。

Q: What is the exchange rate for each top-up transaction?

|  问:每次充值的汇率是多少?

When you top up Alipay account, the exchange rate corresponding to each top-up transaction is based on the real-time foreign currency conversion exchange rate when the money is actually deducted by your international bank card organization.

每次充值到支付宝时,与每笔充值交易对应的外币转换汇率,是以您的国际银行卡组织实际扣款时的实时外币转换汇率为准的。

Q: What Can I do If the Top-up is incomplete or under Processing state?

|  问:如果充值未完成或处于处理中状态,我该怎么做?

If it is still under the “Processing” state, you can go to “Alipay” – “Me” – “Transactions” page later, enter the details page with a click and try to refresh it. If the status is not updated or turns to a failure, you can try the following methods for help:

a. Go to “Alipay” – “Me” – “Customer Center”, click “Online Help” button to contact the online manual service staff.

b. If you are in the Chinese Mainland, you can call 95188 for help; Or being out of China, please call +86-571-95188 for help.

若充值时一直处于“处理中”状态,您可以稍晚进入“支付宝”-“我的”- “充值记录”,点开该笔交易的详情页并刷新一下。若充值交易的状态仍未发生变化,或者充值失败,可以尝试以下途径寻求帮助:

a. 在支付宝应用内,进入 “我的” – “客服中心” – “在线咨询”,可在线联系人工客服;

b. 若在中国大陆境内,可拨打电话 95188, 若在中国境外地区则拨打电话 +86-571-95188。

IN ADDITION

Questions & Additional

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Any thought from yours could be appreciated, valuable, and might help the rest of the residents on the planet. 😀

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