To enhance your payment experience in Liaoning, we have provided you with a payment service guide that covers various payment methods such as overseas bank card payments, cash payments in RMB, mobile payments, account services, and digital RMB payments. We aim to create a safe, convenient, inclusive, and diversified payment service environment for you. We wish you a pleasant journey!
如果您持有银联、Visa、MasterCard、JCB等标识的境外银行卡，可在有相应受理标识的商户刷卡支付。
Overseas bank cards are accepted where you can see logos of your card schemes such as UnionPay, Visa, MasterCard, JCB.
目前，辽宁省境外银行卡受理已初步覆盖机场、大型酒店、大型商业综合体、交通出行、特色旅游街区、会展中心等旅游生活场景的重点商户。如果没有标识，您可向收银人员咨询可否使用。
These logos are often seen in airports, hotels, shopping malls, restaurants, tourist attractions and exhibition centers in Liaoning. If you have any doubt, ask the cashier for more information.
如果您持有银联标识的境外银行卡，您可在辽宁所有配备POS机的商户进行刷卡支付。
UnionPay cards are accepted at all merchants with POS terminals in Liaoning.
小贴士 Tips
请确认您的银行卡是否能够在中国境内使用，部分银行卡需要提前向发卡银行申请开通跨境交易功能。
Please make sure that your bank card is accepted in China's mainland, some cards require prior approval from issuer.
您可通过以下四种渠道获得人民币现金，满足您在中国境内的所有消费支付需求。
There are four ways to withdraw or exchange for RMB cash.
1.银行网点 Bank branches
您可持个人有效身份证件，前往有“货币兑换”标识的银行网点办理外币兑换、人民币找零、汇率查询等业务。
Bank branches with "Currency Exchange" signs shown can provide you with currency exchange, money change, and exchange rate query services. A valid ID is often required.
2.ATM、CRS等自助设备 Self-Service Machines (E.g. ATM, CRS, etc.)
您可持境外银行卡在贴有对应银行卡组织标识的自动取款机（ATM）、存取款一体机（CRS）等自助设备直接支取人民币现金。
You can withdraw RMB cash at ATM, CRS and other self-service machine with logos of your card schemes.
单笔金额不超过3000元人民币（同时受个人银行卡限额限制）。
The upper limit of a single withdrawal is CNY3000 which is also subject to the limit of your bank cards.
3.外币兑换特许机构 Franchised Institutions for Foreign Currency Exchange
您可在悬挂有“货币兑换”标识的外币兑换特许机构直接使用外币现金兑换人民币现金。
You can exchange currencies at counters of franchised institutions for foreign currency exchange where the "Currency Exchange" signs are often shown.
每人每日兑换累计不超过等值5000美元，且境外个人年度可使用外币现金兑换人民币累计金额不超过等值5万美元。常见于机场、口岸等场所。
Daily limit is the equivalent of USD5000, and annual cumulative limit is the equivalent of USD50000. Such counters are usually located at airports and other ports of entry.
小贴士 Tips
大部分外币兑换特许机构的微信公众号或支付宝公众号支持查询附近的兑换点地址以及线上预约兑换现金数量。
You can find the locations of such exchange counters and make online reservation in the Wechat or Alipay official accounts.
4.外币代兑点 Foreign Currency Exchange Agencies
常见于涉外酒店等场所，支持外币现金兑换人民币现金的单向兑换。
You can exchange currencies at foreign currency exchange agencies commonly found at hotels.
每人每日兑换累计不超过等值1万元人民币，且每年不超过等值5万元人民币。
Daily limit is the equivalent of CNY10000, and annual cumulative limit is the equivalent of CNY50000.
您可以使用云闪付、支付宝、微信以及部分境外电子钱包进行便捷的移动支付。快来体验吧！
Mobile payment with UnionPay, Alipay, Weixin Pay and some of overseas e-wallets is more than welcomed.
1.下载安装云闪付APP Download and install UnionPay App
2.注册账户 Register
3.申请旅行通卡 Apply for a Tour Card
4.旅行通卡充值 Top up the Tour Card
5.支付 Ready for payment
1.下载安装支付宝 Download and install Alipay App
2.注册账户 Register
3.绑定银行卡 Add a bank card
4.支付 Ready for payment
1.下载安装微信 Download and install WeChat App
2.注册账户，找到微信支付入口 Register, and find Weixin Pay (Tap Me-Services-Wallet)
3.填写身份信息和绑卡 Fill in your identity information and add a bank card
4.支付 Ready for payment
如果觉得绑卡和身份认证过程太长，您可以体验更简单的注册流程。
We provide you with a simplified registration process which can skip the identity verification process.
仅需填写境外银行卡卡号、有效期和安全码，即可完成绑卡。
You can simply enter your card number, expiry date, and security code to add your overseas card.
您还可以通过多种入口快速绑卡，或者在支付过程中再绑卡。
Moreover, you can swiftly add your card through several access points, even during a transaction.
如果暂时没时间提交完整身份信息，想要马上使用移动支付，您可以使用免认证小额支付。
If you don't have enough time to provide full identity information, here is a simple and convenient way to use mobile payment.
在首次开通微信支付、仅绑定境外卡的情况下，在一定额度范围内快速使用微信支付。
First-time users can use WeixinPay within a certain amount without verification by adding an overseas card.
您也可以根据自身需求，选择继续提交认证信息，就能提高交易额度，体验完整的服务了。
Also, you can further submit verification details as needed, in order to increase your transaction limit and access the full service.
1.银联合作境外钱包 Pay with UnionPay-powered overseas e-wallet
如您为银联境外合作钱包用户，可直接使用本地熟悉的钱包在银联标准二维码商户进行扫码支付，无需另行下载境内APP。
If you already have a UnionPay-powered overseas e-wallet, you can directly scan and pay at UnionPay standard OR code merchants, local e-wallet app is not required.
目前韩国、日本、泰国等17个亚洲国家与地区的85个APP已开通银联支付。
Currently, 85 e-wallet apps in 17 Asian countries and regions including South Korea, Japan and Thailand are UnionPay powered.
2.Alipay+合作电子钱包 Pay with Alipay+ wallet
如您为：
AlipayHK, Kakao Pay, Touch'n Go e-Wallet, OCBC, True-Money, MPay, Changi Pay, NAVER Pay, Toss Pay, Hipay或其他Alipay+合作的电子钱包用户，见到Alipay+标识，您可使用该电子钱包进行支付。
小贴士 Tips
1.云闪付、支付宝、微信均支持绑定您在境外的手机号码，仅需确保您的手机已开通国际漫游即可。
UnionPay, Alipay and Weixin Pay all support bundling overseas mobile phone number. Just make sure that your mobile phone has activated international roaming.
2.目前，外籍来华人员在中国内地使用移动支付单笔限额为5000美元，年累计限额为5万美元。
The single payment limit for overseas personnel using mobile payment in China's mainland is USD5000, and the annual cumulative limit is USD50000.
3.您在使用过程中有任何问题请致电相应英语热线。
英语服务电话
云闪付：+86-95516
支付宝：+86-571 2688 6000
微信支付：+86-95017
Please call the following hotlines if you have any questions or need further information.
Service Hotlines in English:
UnionPay: +86-95516
Alipay: +86-571 2688 6000
Weixin Pay: +86-95017
如有需要，您可以持有效身份证件至境内银行网点开立银行卡。以下证件可作为办理银行卡所需的有效身份证件：有效期内的护照、港澳居民来往内地通行证、台湾居民来往大陆通行证、外国人永久居留身份证、港澳居民身份证以及法律、行政法规规定的其他身份证明文件。
You can open a bank card account at a local bank branch in Liaoning with a valid ID, such as passport, Main-land Travel Permit and Residence Permit for Hong Kong SAR and Macao SAR Residents, Mainland Travel Permit for Taiwan Foreign Permanent Resident ID Card, and other identity documents stipulated by laws and administrative regulations.
在境内办理银行卡需要按照国际通行惯例配合银行开展尽职调查，境内开户银行将根据尽职调查进行合理的分类分级管理。
When you apply for a bank card in China, banks are required to conduct due diligence in accordance with international accepted practices, and your coperation is required.
外籍来辽人员可根据境内银行的银行卡章程（协议），在以下场景使用境内银行卡：在境内所有配备POS机具的商户进行刷卡消费；提取人民币现金进行现金消费等。
You can use domestic bank cards in the following scenarios according to bank card agreements of domestic banks: make card payments at all domestic merchants equipped with POS machines and cash withdrawal.
数字人民币是中国人民银行发行的数字形式的法定货币，目前已在零售消费、交通出行、文化旅游等场景应用（大连为试点城市）。
E-CNY is the digital legal tender of China. Now widely used in retail, transportation, tourism, etc. （Dalian, as a pilot city）
您可使用您的境外手机号在数字人民币APP注册用户并开通数字人民币钱包功能，使用Visa、MasterCard等境外银行卡，充值后即可直接用于消费支付，钱包余额还可存回境外卡，操作便捷。
You can use your overseas mobile phone number to register and open an e-CNY wallet, and top up with your Visa or Mastercard. Any wallet balance can be easily transferred back to the overseas bank card.
来源：中国银联辽宁分公司
