Scene 1: The Merchant Scanner Rejects Your QR
You open Alipay, tap 'Pay', and show the QR code. The merchant scans, but the device shows 'Payment Failed' or 'Invalid Code'. This usually happens because:
Quick fix: Switch to the card you added. In Alipay, go to Pay → change payment method at the bottom. For WeChat Pay, tap the QR code → 'Change' below the amount. If that doesn't work, ask if the merchant accepts international cards – if not, move to fallback (cash or another app).
Scene 2: The Metro Gate Doesn't Open
You scan your Alipay transport QR at the Shanghai Metro turnstile. The gate beeps red and stays locked. This is a classic 'how to Shanghai' moment at rush hour. Metro QR failures typically mean:
Quick fix: Close the app, reopen, and ensure you have selected 'Shanghai Transport' card (not default). Top up at least 10 RMB via your linked international card. If still failing, buy a single-ride token at the ticket machine (cash required, or use Alipay scan-to-buy on some machines).
Scene 3: Payment Succeeds but Refund Fails
You bought a museum ticket via Alipay, but the venue is closed. You request a refund in the app, but the money never returns to your card. This is a boundary case many guides miss.
Refunds from foreign-card payments sometimes get stuck because the merchant's system can only refund to a Chinese bank account. The money may disappear into Alipay balance instead of reaching your card.
Quick fix: Check your Alipay Balance (inside Wallet). If the refund landed there, you can spend it at any merchant that accepts Alipay. Do not try to withdraw it to your foreign card – that will fail. Use the balance for your next coffee or metro top-up. If the refund didn't appear anywhere, contact Alipay's international support via the app's 'Help' chat.