WeChat Pay for Foreigners: How to Bind Your Credit Card and Some Alternatives

WeChat Pay for Foreigners
How you can set up a WeChat pay account as a foreigner in China? Here is how to set up the account, how to work around platforms limitations.

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WeChat is a popular social media application, predominantly used in China, but its usage and setup process can be challenging for non-residents and foreign visitors.

Setting up WeChat pay for foreigners

While WeChat is a valuable social media platform, its setup process can be complex and challenging for non-residents and foreign users visiting China.

The process of setting up a WeChat pay for foreigners involves entering a mobile number that can recieve sms verification code and having them assist in the registration process.

Having a referral from a verified WeChat user can facilitate the setup process. This can be a significant hurdle for foreign users who do not have contacts in China.

Binding overseas credit card in WeChat pay

WeChat pay is now accessible by foreigners via a binding foreign credit card using a passport. Here are the 3 steps to bind your local credit card to WeChat pay:

WeChat pay for foreigners challenges

While people couldn’t top up their account with an RMB balance or send money to friends, they were able to use it for mobile payments like making purchases from shops and using DiDi, a popular ride-hailing service in Mainland China.

For mobile payments to smaller street food vendors, scan vendor’s QR code would pay them with Alipay or WeChat pay as the following QR code (green is vendor’s WeChat QR code, blue is vendor’s AliPay code ):

Alipay for foreigners

Topping up a WeChat Pay account requires a local bank account. If you’ve linked your passport, you should be able to pay using your international bank card like Visa or Mastercard, but you won’t be able to top up your account.

WeChat payment system has been a source of frustration for many users, particularly tourists. The system often fails to function smoothly for international tourists.

This is especially true for tourists who are required to register with their real names and Chinese ID cards to access museums and other attractions. This process can be quite a hassle for those visiting from outside Mainland China.

Check our workaround about Alipay: sign up Alipay. Choose the right payment solutions for you, Alipay or WeChat pay?

Another issue with WeChat pay for foreigners is the customer service, which is not very obvious to find. Users have to click on a link at the bottom of the ‘View Solution’ page to access a form where they can upload documents to get unblocked. This process often needs to be repeated multiple times, as WeChat pay support keep asking for documents related to each card added to the wallet, even if it has been removed.

Does WeChat pay for foreigners to monitor your personal chats and potentially report you to the authorities?

WeChat, a popular messaging app, does monitor personal chats and has the potential to report users to authorities.

The likelihood of being reported depends on several factors, though. Check our post is WeChat safe? for details about surveillance and data collection system of WeChat.

Criticizing minor events may result in a low probability of being reported, but the risk increases with the significance of the event. For instance, criticizing Xi Jinping personally carries the highest risk.

The user’s identity also plays a role. Foreigners are less likely to be reported than Chinese citizens. Regardless of these factors, WeChat retains all chat records. Even if users are not immediately reported or arrested, a record of their activities is maintained.

WeChat also employs word detection. If certain trigger words are used, the chat may be reported. Additionally, authorities can easily access full chat histories if a user is implicated in real-world activities. There have been instances where users were banned from WeChat for discussing politics, but not reported to the police or authorities.

WeChat’s monitoring extends beyond text to include image and emoticon detection. Sending politically sensitive images or emoticons can result in detection and potential banning. Sometimes, the app restricts certain words and images so that only the sender can see them, but not the receiver.

Therefore, while WeChat does monitor personal chats, the extent of its reporting varies based on several factors.

WeChat Pay for Foreigners Alternatives

An alternative to WeChat Pay for foreigners is Alipay, check our comprehensive guide of Alipay 2024 (which I tested in person and worked perfectly in 2024).

Alipay for foreigners
making payments using Alipay and Revolut virtual credit card for security reasons, especially when I travel in foreign countries, because it’s virtual and no more worry about being stolen and lost, I can also top up to my Revolut credit card via my local debit card instantly, register here if needed.

Some other alternatives of WeChat’s messaging platform are Apple’s iMessages and FaceTime. These platforms are not blocked, however, they are only functional on Apple devices. Another alternative is Microsoft Teams, which is accessible in China and has a client for almost every device. Skype is also a viable option as it is not blocked and is free to use.

However, there have been issues with the search function, but it is unclear whether this is device-specific or related to the firewall.

Email is a more traditional method for text-based communication. Before using it, it is also suggested that you set up a VPN on the phone. QQ is considered the only real alternative in China.

Skype is not completely banned in China and can be used for chatting, voice calls, and video calls. Tencent TIM (QQ without add-ons) is also an option, but it is censored.

As for VPN, NordVPN is not recommended as it no longer works in China, those VPNs are still working 2024 in China. Therefore, the main alternatives to WeChat are Apple’s iMessages and FaceTime, Microsoft Teams, Skype, Alipay, iMessage, and QQ.

Don't hesitate to reach out if you have any questions or need assistance.

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