# Using Alipay TourCard (Dead Method Update 2026)
If you read travel blogs written before 2023, you will see endless, confusing tutorials about a system called "TourPass" or "TourCard" within the Alipay app.
These blogs tell you to deposit money into a fake, temporary prepaid Bank of Shanghai virtual card to survive in China. If you try to do this today, you will waste hours of your time and likely get your account locked.
> **💡 Withyou Trip Expert Verdict:**
> "The 'TourCard/TourPass' system is **dead, obsolete, and highly glitchy**. You no longer need to top-up a prepaid virtual Chinese bank card. The Chinese central bank has completely overhauled the system. You can now **directly bind your foreign Visa, Mastercard, or Discover card to the main Alipay and WeChat Pay apps**. When you scan a QR code, it charges your Western credit card instantly."
## 1. The Mobile Payment Matrix (2026 Reality)
| Payment Method | Status | The Setup Process |
| :--- | :--- | :--- |
| **Alipay (Direct Bind)** | ⭐⭐⭐⭐⭐ (Active) | Scan passport, add Western Visa card, pay instantly. |
| **WeChat (Direct Bind)** | ⭐⭐⭐⭐ (Active) | Highly reliable, but strict security algorithms may lock new cards. |
| **TourCard / TourPass** | 🔴 Obsolete | Do not use. Funds get trapped in the virtual account. |
| **Apple Pay** | 🟡 Extremely Limited | Only works at Starbucks or 5-star international hotels. |
## 2. How to Setup the "Direct Bind" (The Right Way)
To ensure you can buy a coffee or pay a taxi the moment you land at Guangzhou Baiyun Airport, follow this exact sequence while still in your home country:
1. **Download Alipay:** Get the official international version from the iOS/Android App Store.
2. **Verify Identity:** Go to Account Settings -> Identity Verification. You MUST upload a high-quality photo of your physical passport. Wait 24-48 hours for approval.
3. **Bind the Card:** Go to "Bank Cards" and add your foreign Visa or Mastercard. (Note: AMEX works occasionally, but Visa/Mastercard have a 99% success rate).
4. **Call Your Bank:** Call your home bank and tell them to whitelist all internet transactions from "Alipay Singapore/China" so their fraud algorithm doesn't block the charges.
## 3. The 200 RMB Tax Bracket
While the system is brilliant, it is not entirely free.
* **The Rule:** For any single transaction under **200 RMB (approx. $28 USD)**, there are zero transaction fees charged by Alipay. (This covers 99% of your taxis, coffees, and fast food).
* **The Trap:** For any single transaction over 200 RMB (like a nice dinner or a hotel bill), Alipay will automatically add a **3% processing fee**.
* **The Pro Move:** If your dinner bill is 350 RMB, ask the waiter to split the bill into two separate QR code scans (e.g., 180 RMB and 170 RMB). Both transactions remain under the 200 RMB limit, and you avoid the 3% fee entirely.
## ❓ Frequently Asked Questions (FAQ)
**Q: Can I use the newly bound Alipay to send money to a factory?**
A: **Absolutely not.** The Direct Bind foreign credit card system is strictly limited to "Merchant QR Codes" (retail stores, taxis, restaurants). You cannot use it to transfer funds peer-to-peer (P2P) to an individual's wallet, and you cannot use it to pay massive commercial manufacturing invoices. You must use traditional bank wires (T/T) for business.