在穿越中国旅行了三周后，博扬·托米奇（Bojan Tomic）和他的妻子发现，这次旅行中最方便的体验之一就是几乎可以完全通过智能手机来支付日常开销。这对克罗地亚夫妇的行程涵盖了北京、西安、成都，最终抵达深圳。
After three weeks of travelling across China, Bojan Tomic and his wife found that one of the biggest conveniences of the trip was being able to pay for daily expenses almost entirely via smartphone. The Croatian couple’s journey spanned the cities of Beijing, Xian, Chengdu and finally Shenzhen.
作为首次访问中国的人，他们很快适应了该国主流的移动支付系统，主要使用支付宝（Alipay）和微信支付（WeChat Pay）来完成所有的消费。这两个支付平台都可以通过电子邮件地址进行注册，并与外国银行卡关联。
Visiting China for the first time, they quickly adapted to the country’s dominant mobile payment ecosystem, using Alipay and WeChat Pay, two of China’s largest payment platforms, for most of their spending. Both apps can be set up with an email address and linked to a foreign bank card.
“非常方便，”托米奇说，“一开始我不知道在应用程序里该按哪些按钮，但现在我已经习惯了。这样我就不需要随身携带钱包或现金了。”随着中国准备在11月于深圳举办亚太经合组织（APEC）经济领导人峰会，将中国的支付系统与海外支付网络连接起来，已成为让外国游客更便捷地使用中国支付服务的一部分。
“It’s super easy,” Tomic said. “At first, I didn’t know where to press [in the apps], but now I’ve got used to it. It’s so convenient because I don’t need to carry my wallet or any cash.” As China prepares to host the Apec Economic Leaders’ Meeting in Shenzhen in November, connecting China’s payment ecosystem with overseas networks has become part of broader efforts to make the country more accessible to overseas visitors.
多年来，外国人一直抱怨在中国这个以非现金交易为主的社会中进行日常支付非常困难。经济学家们也一直认为，扩大国内支付系统与海外支付系统之间的互联互通能够降低消费障碍，从而增加游客的消费支出。
For years, foreigners have complained about the difficulty of making simple, everyday payments in China’s largely cashless society. And economists have long argued that expanding links between domestic and overseas payment systems could boost visitor spending by reducing barriers to consumption.
“支付系统的互联互通不仅能够提升外国游客的购物体验，还有助于将中国的移动支付系统转变为一个全球用户都能轻松使用的消费网络，”中国社会科学院美国研究所副所长徐启元（Xu Qiyuan）等人周二在社交媒体上发布的文章中写道。
“Payment connectivity could not only improve the experience for overseas visitors, but also help transform China’s mobile-payment ecosystem into a consumer network that global users can access with fewer barriers,” according to an article posted to social media on Tuesday whose authors include Xu Qiyuan, deputy director of the Institute of American Studies at the Chinese Academy of Social Sciences.
中国支付清算协会（Payment and Clearing Association of China）8月份发布的调查数据显示，2025年有88.5%的受访者每天都会使用移动支付服务，这一比例比上一年增长了5.6个百分点。
Survey findings released by the Payment and Clearing Association of China in August showed that 88.5 per cent of respondents used mobile payments daily in 2025, up 5.6 percentage points from a year earlier.
徐的文章指出，加强国内支付系统与海外支付系统之间的互联互通，能够鼓励游客在满足基本生活需求之外进行更多日常消费，从而促进国内旅游市场的消费增长。
Better links between domestic and overseas payment systems could encourage visitors to make more everyday purchases beyond essential spending, helping unlock more inbound tourism consumption, Xu’s article said.
周四，银联在一份新闻稿中表示：在亚太经合组织（APEC）会议召开前夕，为提升外国游客的支付便利性，使用全球37个国家和地区中超过200种海外数字支付工具的游客现在可以直接扫描银联的二维码在中国完成支付。
On Thursday, UnionPay said in a press release that foreign travellers using more than 200 overseas digital wallets across 37 countries and regions could directly scan UnionPay QR codes for payments in China, as part of its efforts to improve payment convenience for foreign visitors ahead of the Asia-Pacific Economic Cooperation meeting.
该公司向《南华早报》透露，包括韩国的Kakao Pay和泰国的TrueMoney在内的50多种海外电子钱包的用户，都可以通过支付宝+（Alipay+）或蚂蚁国际（Ant International）提供的支付平台在中国进行消费。
Users of more than 50 overseas e-wallets, including South Korea’s Kakao Pay and Thailand’s TrueMoney, can use Alipay+, Ant International’s wallet gateway, to make payments in China, the company told the South China Morning Post.
蚂蚁国际是中国金融科技巨头蚂蚁集团（Ant Group）的海外子公司，而蚂蚁集团隶属于阿里巴巴集团（Alibaba Group Holding），后者是《南华早报》的母公司。
Ant International is the overseas affiliate of Chinese fintech giant Ant Group, an affiliate of Alibaba Group Holding, owner of the SCMP.
与此同时，腾讯控股（Tencent Holdings）也在周四推出了TenPayGo这款专为海外游客设计的移动支付应用，用户可以通过该应用使用自己所在国家的信用卡或数字钱包在中国进行支付。
Meanwhile, Tencent Holdings launched TenPayGo on Thursday, a mobile-payment app designed for overseas visitors that allows them to pay in China by linking credit cards or digital wallets from their home countries. Tencent’s move follows its partnership with PayPal earlier this year, which enabled US users to pay WeChat Pay merchants in China directly through the PayPal app.
此前，腾讯已与PayPal达成合作，使美国用户能够通过PayPal应用直接在中国支付微信支付的商家费用。
Over the first seven months of the year, spending by overseas visitors in China reached 263.6 billion yuan (US$39.3 billion), up 27.8 per cent, year on year, official data showed.
官方数据显示，今年前七个月，海外游客在中国的消费总额达到了2636亿元人民币（约合393亿美元），同比增长27.8%。
However, Xu said that partnerships between retail-payment apps alone cannot achieve broader payment connectivity. Moving beyond individual collaborations would require stronger underlying infrastructure, he wrote in the Tuesday article.
不过，徐在文章中指出，仅依靠零售支付应用之间的合作还无法实现真正的支付互联互通。要实现更广泛的支付网络，还需要建立更完善的基础设施。
However, Xu said that partnerships between retail-payment apps alone cannot achieve broader payment connectivity. Moving beyond individual collaborations would require stronger underlying infrastructure, he wrote in the Tuesday article.
“跨境银行支付系统（CIPS）等系统还需要不断改进，以提升跨境人民币结算的能力、稳定性和覆盖范围，从而支持更广泛的应用场景，包括贸易、服务消费以及跨境电子商务。”他说。
“There should be continued improvements to systems such as the Cross-border Interbank Payment System (CIPS) to enhance the capacity, stability and coverage of cross-border yuan settlements, supporting broader uses including trade, services consumption and cross-border e-commerce,” he said. By Alice Li