在中國，怎麼付錢

說明實名認證沒完成或過期。進入錢包 / 銀行卡頁面，找到身份驗證入口，重新上傳護照資料頁並做人臉覈驗。護照有效期過期也會觸發限制。

Your verification is missing or expired. Go to Wallet / Cards, find identity verification, re-upload your passport page and redo the face scan. An expired passport triggers this too.

如果認證反覆失敗，檢查：姓名拼寫是否與護照完全一致（含空格與連字符）、護照照片是否清晰無反光、光線是否充足。

If it keeps failing, check: does the name spelling match your passport exactly (spaces and hyphens included)? Is the passport photo sharp with no glare? Is the lighting good?

境外卡在掃碼支付時通常有單筆與單日限額（常見爲單筆幾千元、單日一萬元上下，以 App 內提示爲準）。大額消費（如酒店、貴重商品）建議拆分支付，或改用實體卡刷卡。

Foreign cards carry per-transaction and daily caps (roughly a few thousand RMB per payment, around ¥10,000 per day — check the app). For large purchases like hotels, split the payment or use the physical card.

也可以提前聯繫髮卡行，提高境外交易的臨時額度。

You can also ask your bank to raise your overseas limit temporarily.

先分清方向：是你掃商家（用 App 裏的「掃一掃」），還是商家掃你（出示「付款碼」）。大部分便利店是後者。

First work out the direction: are you scanning them (use "Scan"), or are they scanning you (show your "Payment Code")? Convenience stores are usually the latter.

如果仍失敗，多半是商家設備或個人收款碼不支持外卡交易。換另一家、或改用現金即可，不用糾結。

If it still fails, their terminal or personal QR code likely doesn't accept foreign cards. Move on or pay cash — don't burn time on it.

短時間內大額、高頻或異地交易可能觸發風控。按 App 提示提交護照與行程憑證（訂單、車票）通常能在數小時內解除。

Large, frequent or unusual-location transactions can trigger risk controls. Submit your passport and trip proof (bookings, tickets) as prompted; it's usually lifted within hours.

預防方式：不要用同一個賬號給很多人代付、不要頻繁大額整數轉賬、保持網絡環境穩定。

To prevent it: don't pay on behalf of lots of people, avoid repeated large round-number transfers, and keep your connection stable.