How to set up WeChat Pay? A Simple Guide

All about electronic payments, Q&A, how to, how to open an bank account & etc.
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How to set up WeChat Pay? A Simple Guide

Post by Admin » Fri Sep 28, 2018 11:52 am

What is WeChat Pay?

WeChat pay is a payment solution completely integrated inside the social and messaging application of Tencent: WeChat.
It appears in the “WeChat Wallet” section of the application.
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Through the wallet section and the integrated browser of WeChat, users can perform a variety of transactions using WeChat Pay,
including and not limited to:

- Transferring money to friends (especially as “red envelopes” shared during Chinese festivals)
- Performing transactions on e-commerce websites
- Topping up their mobile
- Investment in wealth management funds
- Paying for water and electricity bills
- Order and pay for a cab
- Purchase a train or flight ticket
- Book a night in a hotel
- Purchase movie tickets
- And much more…
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These transactions are meant to be a future money-maker for Tencent. It is good to keep in mind that Tencent is very different from its Western competitor Facebook: while Facebook makes 95% of its revenue from advertising, the figure is only 19% for Tencent.

Tencent actually makes most of its money through value-added services. And WeChat Pay will pay a central role in this service strategy.

How do foreigners create WeChat Pay account (for individual)?
Living in China without WeChat Pay or Alipay is like living without cash or credit card.
Survey shows only 10% of users prefer to pay via credit card or cash over WeChat Pay or Alipay.
How can foreigners open WeChat Pay account?


- WeChat account
- Passport
- A Chinese bank card
- Phone that linked with your bank card

Steps 1: find the WeChat Wallet card

Go to your WeChat and click on Me/Wallet/Cards. This will take you to a section to add a Chinese bank card.
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Note if you don’t see Wallet in your WeChat, it is because you download the international version of WeChat.
Here is a trick to see the WeChat Wallet on the international version of WeChat.

You can click on Setting/General/Language to change the WeChat langurage to Chinese.

This will activate your WeChat Wallet. You can then change your langurage back to English and WeChat Wallet in stays.
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Step 2: Add a bank card

Now you can add a credit or debt card to link with your WeChat Wallet.

You will need a Chinese bank card.

*Important: make sure you use the exact name you use that matches with the name linked with your bank card. The name field is also case sensitive.
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Step 3: done!

Now you have successfully linked your bank card with WeChat!
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Now enjoy shopping 🙂

How do I change the bank that’s linked with the WeChat Wallet (for individual)?
Some people might link a friend’s bank card with WeChat Wallet and later wants to change it,
you may bump into a lot of error messages if the two bank cards have different names.
Here is how you can change your bank card:

- You can got to Wallet/Card to delete the previous card
- In the add a card page, click on the green information sign to change your name
- Before you click on change names, make sure your WeChat Wallet have 0 balance
- Make sure your WeChat Pay account are not linked with a third party company for automatic payment (such as Uber, Didi).
- If you see an error message and is not sure what it means, it could possibly be the WeChat mess up the English translation. In the case, you should - - switch the langurage back to Chinese and see that it says.
- Then you can proceed to the adding a bank card section (see section above)
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