移动支付指南③ | 直接绑境外卡 ATM取现也方便

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如果你是第一次来中国，并且想要体验移动支付业务，那么可以使用来自上海银行的华付通卡“Tour Card”服务。

If you are planning to visit China for the first time and would like to try mobile payments, a service called “Tour Card” offered by the Bank of Shanghai might worth a try.

这是面向境外人士推出的境内移动支付服务。在入境前，您可以先在本地绑定境外银行卡并提交申请。

It is designed to provide mobile payment services for overseas travelers across the Chinese mainland just with their overseas bank cards. Before arriving on the Chinese mainland, foreigners can submit an application in their home country for linking their overseas bank card to “TourCard”.

在下载并注册支付宝或微信后，可以通过小程序搜索获得华付通卡。随后，可根据页面信息完成个人信息验证和通过境外银行卡的账户充值。使用的汇率是充值时的实时汇率。

You’ll first need to download the Alipay or Wechat app in your home country and search for the TourCard mini-program. Then, you can follow the guide to verify your personal information and top up money from overseas bank cards. The exchange rate at the time of top-up will be based on the real-time exchange rate of your card group and card issuer.

华付通目前支持Visa、万事达卡、大莱卡、JCB卡的充值，并在将来支持美国运通卡。

Currently, “TourCard” supports four card schemes: VISA, MasterCard, Diners Club International and JCB. It will support American Express in the future.

此外，在上海市1万余台ATM机中，已有超过91%可受理境外银行卡兑取人民币现钞功能。外籍人士可用境外银行卡直接取现，随后使用现金消费。

And as a backup, cash is always an option. In Shanghai for example, more than 90 percent the city’s 10,000 ATMs accept overseas bank cards making RMB withdrawals. Foreigners can withdraw cash directly from their overseas bank cards and pay that way.

希望这些信息能够帮助您开启在华移动支付之旅。

Hopefully this information is helpful if you’re trying to prepare for a trip to China.

（看看新闻Knews 吴旭童 Timothy Pope）