Cards work worldwide: you tap in another country and it clears at the live exchange rate.
In this Zhihu post, a sub-¥800 purchase in Hong Kong via Alipay was flagged as an “overseas order,” prompting a phone check—and even a freeze with instructions to contact the Anti-Fraud
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Cards work worldwide: you tap in another country and it clears at the live exchange rate.
In this Zhihu post, a sub-¥800 purchase in Hong Kong via Alipay was flagged as an “overseas order,” prompting a phone check—and even a freeze with instructions to contact the Anti-Fraud Center (反诈中心) and submit documents.
Those fraud-control gates may reduce scams, but the manual reviews and geo-walls add uncertainty and waiting—especially for cross-border buys—so the “pay anywhere” promise breaks.
That’s the gap users point to between a domestically optimized super-app and truly global card networks.
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