Mainland Electronic Payment｜WeChat Pay HK/Alipay HK/Octopus Pro Comparison and One Article explains the 3 major e-wallet application methods + advantages and disadvantages
An electronic wallet is a must-have for spending in the north. Yahoo Travel has previously introduced three major electronic payment methods in the Mainland:WeChat Pay HK、Alipay HKandOctopus Pro, each of the three has its own merits, how to choose?This time I will compare the three.Application method, ease of use, advantages and disadvantagesyou can sum up the above points and choose the most suitable one according to your usage density and needs!
Mainland e-wallet 1. Documents required for application
I believe that the application method and required information are what everyone is most concerned about. You are most afraid that you need to use a mainland phone number and bank account, and you always have to work extra hard to unlock a mainland e-wallet. You can refer to the following table for an overview of the files used by WeChat Pay HK, Alipay HK, and Octopus Pro. Looking at the three types of e-wallets commonly used by Hong Kong people, the documents required for application do not require a mainland phone number or bank account, which can relieve everyone’s concerns.But one thing I want to remind everyone is that when WeChat Pay HK pays in the mainland, there is a chance that payment will fail, because some merchants only accept WeChat Pay’s mainland wallet, which is the RMB currency value. In disguise, WeChat Pay can be used smoothly in the Greater Bay Area. , you need to apply for WeChat Pay mainland wallet, and to apply for mainland wallet, you need to useMainland phone numberand bank account.
Comparison chart of documents required for WeChat Pay HK, Alipay HK, and Octopus Pro application
Mainland e-wallet 2. Four major value-added methods
As for the ways to add value to the wallet, there are four main methods: binding a Hong Kong credit card, a Hong Kong bank account, or going to convenience stores and bank transfers (FPS) to add value in cash. The value-adding methods of WeChat Pay HK and Alipay HK are the same, but Octopus Pro cannot be bound to Hong Kong credit cards. It always uses virtual UnionPay cards to support mainland electronic payments. Octopus Pro is also the only electronic wallet that can add value via bank transfer (FPS). It is safer for users who attach great importance to personal information and do not have to worry about personal information being leaked.
Comparison chart of WeChat Pay HK, Alipay HK, and Octopus Pro value-added wallet methods
Mainland e-wallet 3. Applicable occasions and its circulation
After understanding the application documents required for WeChat Pay HK, Alipay HK, and Octopus Pro, as well as the various value-added methods, and looking at the various applicable occasions, you can know which type of electronic payment is the most convenient. In fact, it can be seen that WeChat Pay HK is most applicable to WeChat Pay HK. WeChat has always been the most common communication software in Guangdong Province, so it is not surprising that it is the most popular electronic payment tool. The second is Alipay HK. Whether you can pay the taxi fare depends on luck. YouYuber shared that recently Alipay HK has relaxed payment to individual users, and online payment depends on whether the other party accepts Alipay HK. Octopus Pro has the lowest circulation. You don’t need to download the “Union QuickPass” app to assist, but it also depends on whether the payee accepts UnionPay cards.
Comparison chart of usage scenarios of WeChat Pay HK, Alipay HK and Octopus Pro in Mainland China
WeChat Pay HK is the most comprehensive, Alipay HK offers enough discounts
Taking a comprehensive look at the above three points, it is easy to figure out which method is more superior. If you are looking for comprehensiveness and wide coverage, it must be WeChat Pay HK! If you want to avoid payment failure because the merchant only accepts WeChat Pay from mainland wallets, you can consider applying for a mainland phone number and bank account to upgrade to WeChat Pay, which can even be said to be invincible.
But if you really don’t want to apply for a mainland wallet, you can take the next best option and choose Alipay HK, but be aware that there are restrictions on taking taxis and making online payments through mobile apps. If you don’t use mobile apps frequently, it’s actually smooth. Because taking a taxi can be replaced by “Didi Chuxing” in Alipay HK, online payment can be made in the Alipay HK app, which is much more convenient. In addition, Alipay HK has multiple coupons with a low threshold for use, so you are sure to save money when spending. As for those who don’t go north often for consumption and just meet a single need, and if you use the Octopus APP, Octopus Pro can handle it.
WeChat Pay HK has the largest coverage. (official image)
Alipay HK has many coupons with low threshold for use, so you will definitely save money when spending. (official image)
As for those who don’t go north often for consumption and just meet a single need, and if you use the Octopus APP, Octopus Pro can handle it. (official image)
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2024-03-04 23:30:40
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