随着全球化进程的不断推进，越来越多的海外游客和商务人士来到中国，他们对便捷支付的需求日益增长。为了更好地服务于这一群体，自2023年7月起，微信支付推出了新功能，允许海外用户将其持有的国际信用卡（如Visa卡）与微信账户关联。这一举措不仅极大地便利了境外用户在中国大陆的旅行体验，还让他们能够享受到与中国本地用户相同的多样化支付方式。
无论是用餐、交通出行、酒店住宿还是超市购物，绑定国际信用卡后的微信支付都能为用户提供无缝的支付体验。本文将详细介绍如何将你的国际信用卡与微信支付绑定9，让你在中国的每一天都能轻松自如地使用移动支付。
如何在微信上绑定国际信用卡？
How to Link an International Credit Card to WeChat?
自2023年7月起，海外的微信用户可以将包括Visa在内的国际信用卡与微信支付关联起来，这使得境外用户在中国大陆旅行时能够更加便捷地使用微信进行支付。
According to WeChat’s official statement, since July 2023, overseas WeChat users have been able to link their international credit cards, such as Visa, to WeChat Pay, making it more convenient for them to use WeChat for payments when traveling in China.
根据微信官方的信息，一旦绑定好境外银行卡后，这些用户便可以在国内众多行业的商户中（比如餐饮、交通、住宿、超市等）利用移动支付，并且可以享受扫码支付、被扫码支付、小程序支付、免密码扣除以及应用内支付等多样化的支付手段。
Once users have linked their foreign bank cards, they can use mobile payments at the majority of merchants in various sectors within China, such as dining, transportation, hotels, and supermarkets. Additionally, they can enjoy diverse payment methods including QR code scanning, being scanned, mini-program payments, password-free deductions, and in-app payments.
微信支持绑定的国际信用卡种类
Types of International Credit Cards Supported by WeChat
支持的国际卡品牌包括VISA、Diners Club、Discover、JCB、MasterCard。
The types of international credit cards supported by WeChat include VISA, Diners Club, Discover, JCB, and MasterCard.
微信绑定国际信用卡的操作流程
Procedure for Binding an International Credit Card to WeChat
所需文件：目前，境外人士可以通过以下六种证件来开通微信支付：护照、中国港澳居民往来内地通行证、中国台湾居民往来大陆通行证、中国港澳居民居住证、中国台湾居民居住证、外国人永久居留证。在绑定过程中，验证手机号码时，只要该号码能够接收短信验证码即可，不一定是来自中国大陆的号码。
1、在手机上下载或更新微信/WeChat应用到最新版本，并使用手机号码进行注册或登录。
On your mobile phone, Download or Update your WeChat app to the latest version. Register with your phone number or sign in.
微信/WeChat下载链接：
Download link for WeChat/WeChat:
https://www.wechat.com/
2、 寻找微信支付入口，点击「我」-「服务」-「钱包」
Find the WeChat Pay entry point, click “Me” – “Services” – “Wallet”
如果找不到上述选项，可以通过以下方法之一激活微信支付。
If you cannot find the options above, you can activate WeChat Pay in one of the following ways.
在微信内依次点击「我」-「设置」-「通用」-「辅助功能」-「启用微信支付」。
Within WeChat, tap “Me” – “Settings” – “General” – “Functions” – “Enable WeChat Pay”.
3、 完成身份信息填写和卡片绑定
在「钱包」界面点击「添加银行卡」，然后进入身份信息填写及国际卡绑定的流程。用户需要阅读《微信支付用户服务协议和隐私政策》并点击“同意”，接着按照屏幕上的指示填写或选择身份信息，继续点击“下一步”来添加您的银行卡，按照提示完成整个过程。
Complete the identity information form and card binding, in the “Wallet” interface click “Add Bank Card”, then proceed with entering identity information and binding the international card. Users need to read the “WeChat Pay User Service Agreement and Privacy Policy” and click “Agree”, then follow the prompts on the screen to fill in or select identity information, continue clicking “Next” to add your bank card, and follow the instructions to complete the entire process.
注：如果使用护照进行绑卡，则需在完成上述流程后根据提示上传护照的照片。
Note: If you use your passport to verify your identity, you’ll be asked to upload a copy of your passport.
绑定国际信用卡的重要注意事项
【手续费】
单次交易金额不超过200元的免收手续费；单次交易金额超过200元的按3%收取手续费。如果用户发起退款，手续费将按比例退还。
Important Notes on Binding International Credit Cards
【Transaction Fees】
For transactions of 200 RMB or less, no transaction fee is charged; for transactions over 200 RMB, a 3% transaction fee is applied. If a user initiates a refund, the transaction fee will be refunded proportionally.
【消费额度】
单次消费上限为6000元，每月累计消费上限为50000元，每年累计消费上限为60000元。
【Consumption Limits】
The single transaction limit is 6,000 RMB, the monthly cumulative limit is 50,000 RMB, and the annual cumulative limit is 60,000 RMB.
【适用场合】
绑定国际信用卡后，主要用于一般的扫码消费，如交通、团购、外卖、餐饮、便利店、超市和网上超市等，但不支持普通的转账和发送红包功能。
【Usage Scenarios】
After binding an international credit card, it is primarily used for general QR code scanning consumption, such as transportation, group buying, takeout, dining, convenience stores, supermarkets, and online supermarkets, but it does not support ordinary transfers and sending red envelopes.
然而，此功能具有一定的限制，主要支持用于消费的二维码扫描；诸如充值、转账和发送红包等功能通常不可用。
However, this function has certain limitations, mainly supporting QR code scanning for consumption;
functions such as top-up, transfers, and sending red envelopes are generally not available.
【汇率】
支付汇率依据所使用的卡组织及发卡银行的标准汇率来计算。
【Exchange Rates】
Payment exchange rates are calculated based on the standard rates of the card organization and issuing bank.
微信支付的其他常见问题解答
FAQs about WeChat Pay
微信支付是否真的可以使用国外的信用卡？
确实可以，自2019年以来，腾讯已经支持将境外发行的国际信用卡与微信支付关联。
Can WeChat Pay Really Be Used with Foreign Credit Cards?
Indeed, since 2019, Tencent has supported linking internationally issued credit cards with WeChat Pay.
绑定国际卡后，微信支付目前支持什么类型的交易？
目前，国际卡可以在中国大陆进行日常消费。然而，国际卡不支持红包、转账等功能，具体支持的功能请以支付页面显示为准。
However, international cards do not support functions such as red envelopes and transfers; please refer to the payment page for specific supported functions.
绑定国际信用卡是否需要中国大陆（+86）的电话号码？
不需要，你可以使用国际电话号码，只要能够接收短信验证码即可。
No, you can use an international phone number as long as you can receive SMS verification codes.
微信实名认证是否必须绑定银行卡？
为了遵守相关的法律和法规，微信支付要求所有用户完成实名认证。对于没有中国身份证的海外用户，微信会要求提供个人信息。有时，微信也会要求您绑定银行卡来进行进一步的身份验证。通常，为了进行在线或离线支付，需要绑定银行卡。但是，即便没有中国大陆的银行卡，你仍然可以选择绑定VISA/Mastercard/JCB信用卡。
Is binding a bank card necessary for real-name verification on WeChat?
To comply with relevant laws and regulations, WeChat Pay requires all users to complete real-name verification. For overseas users without a Chinese ID card, WeChat will request personal information. Sometimes, WeChat may also require you to bind a bank card for further verification. Generally, binding a bank card is necessary for conducting online or offline payments. However, even if you don’t have a Chinese bank card, you still have the option to bind a VISA/Mastercard/JCB credit card.
