3月14日，中国人民银行官方微信公众号发布文章《Guide to Payment Services in China》（《外籍来华人员支付指南》）（下称“指南”），介绍了移动支付、银行卡、现金等各类支付服务的获取方式和流程，旨在提升外籍来华人员对境内支付服务的认知度。

　　国务院办公厅近日印发《关于进一步优化支付服务提升支付便利性的意见》（下称“意见”），对进一步优化支付服务、提升支付便利性作出制度性安排，旨在更好满足老年人、外籍来华人员等不同群体多样化的支付服务需求。此次指南的发布正是对意见精神的落实。

　　根据指南，如果外籍来华人士持有银联、Visa、Mastercard等银行卡，即可在有相应受理标识的商户进行刷卡支付；如没有标识，可向收银员咨询是否可使用所持银行卡进行刷卡支付。如持有银联卡，可在境内所有布放有银行卡支付受理终端的商户使用。

　　关于如何获取移动支付服务，指南也做出了详细的介绍。外籍来华人士可以自行选择支付宝、微信支付、云闪付等多种支付产品。针对许多外籍来华人士关注的实名认证问题，指南申明，一定金额以下的交易免于采集身份信息。访问www.pcac.org.cn即可观看操作视频了解更详细信息。

　　支付宝目前支持绑定Visa、Mastercard、JCB、Diners Club、Discover等银行卡；微信支付目前支持绑定Visa、Mastercard、American Express、JCB、Diners Club、Discover等银行卡；需要注意的是，目前云闪付绑卡只支持香港、澳门等特定地区发行的银联卡。另外，部分境外电子钱包用户，如BoC 、ICBC等，可直接使用现有钱包进行支付，无需另行下载其他App。

　　如需要使用人民币现金，外籍来华人士可通过持有的银行卡在有对应清算组织标识的ATM中提取人民币现金。也可以在标有货币兑换标识的银行网点、外币兑换机构和自助兑换机直接用外币现金兑换人民币现金。现场咨询工作人员就能知道可受理的币种。

　　另外，存取人民币和外币、结售汇、境内转账和跨境汇款、外币汇兑以及支付等，需要持护照等有效证件就近去银行网点开立本外币银行账户。工商银行、农业银行、中国银行、建设银行以及交通银行等商业银行均可提供账户开立服务。具体办理条件可在网点咨询或在银行官网查询。

　　数字人民币也是外籍来华人士可以选择的支付方式，下载安装“数字人民币(试点版)App后，可根据App内的提示使用。

On March 14, the official WeChat account of the People's Bank of China (PBOC) released an article titled "Guide to Payment Services in China" (hereinafter referred to as the "Guide"), which introduces the ways and processes to access various payment services such as mobile payment, bank cards, and cash, aiming to enhance the awareness of payment services for foreign visitors in China.

The General Office of the State Council recently issued the "Opinions on Further Optimizing Payment Services and Enhancing Payment Convenience" (hereinafter referred to as the "Opinions"), which makes institutional arrangements to further optimize payment services and improve payment convenience, aiming to better meet the diverse payment service needs of different groups such as the elderly and foreign visitors in China. The release of the Guide is a implementation of the spirit of the Opinions.

According to the Guide, if foreign visitors in China hold bank cards such as UnionPay, Visa, Mastercard, etc., they can perform card payments at merchants with corresponding acceptance signs; if there is no sign, they can consult the cashier to see if they can use their bank cards for card payments. If they hold a UnionPay card, they can use it at all merchants in China where bank card payment terminals are installed.

The Guide also provides a detailed introduction on how to obtain mobile payment services. Foreign visitors in China can choose from various payment products such as Alipay, WeChat Pay, and UnionPay Cloud Flash Pay. Regarding the real-name authentication issue that many foreign visitors are concerned about, the Guide states that transactions below a certain amount are exempt from the collection of identity information. Visitors can watch operation videos for more detailed information at www.pcac.org.cn.

Alipay currently supports the binding of Visa, Mastercard, JCB, Diners Club, Discover, and other bank cards; WeChat Pay currently supports the binding of Visa, Mastercard, American Express, JCB, Diners Club, Discover, and other bank cards; it is worth noting that currently, UnionPay Cloud Flash Pay only supports UnionPay cards issued in specific regions such as Hong Kong and Macau. Additionally, some overseas electronic wallet users, such as BOC and ICBC, can directly use their existing wallets for payment without downloading other apps.

If needed, foreign visitors in China can withdraw Renminbi cash using their bank cards at ATMs with corresponding clearing organization signs. They can also directly exchange foreign cash for Renminbi cash at bank branches labeled with currency exchange signs, foreign exchange institutions, and self-service exchange machines. On-site consultation with staff will reveal the acceptable currencies.

Moreover, services such as depositing and withdrawing Renminbi and foreign currency, foreign exchange sales and purchases, domestic transfers, cross-border remittances, foreign exchange conversion, and payment require the presentation of valid documents such as passports to open RMB and foreign currency accounts at nearby banks. Commercial banks such as ICBC, ABC, Bank of China, China Construction Bank, and Bank of Communications can all provide account opening services. Specific requirements for opening accounts can be consulted at the branches or checked on the bank's official website.

Digital Renminbi is also a payment method that foreign visitors in China can choose. After downloading and installing the "Digital Renminbi (Pilot Version) App", users can follow the prompts in the App to use it.