What’s happening (in plain English)
“Individual” (personal) QR codes are not always treated the same as formal merchant payments. Even when your card is linked successfully, a payment can fail depending on the QR type, your funding source, your bank, and account verification status.
Fastest troubleshooting plan
- Test an individual QR and a business QR (results often differ).
- If individual fails, try a different card (debit as backup).
- Complete passport verification in-app if prompted.
- Call your bank to enable/whitelist overseas transactions.
- Set up a backup app: WeChat Pay.
Run a real test (recommended)
Searching “test alipay” is usually a sign you want certainty. The simplest certainty is a real small payment attempt and the result displayed inside the app.