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欢迎来到厦门！ Welcome to Xiamen！ 为提升您在厦支付体验，欧博官网我们为您提供了涵盖境外银行卡支付、移动支付、人民币现金支付、账户服务、数字人民币支付等不同方式的支付服务指南，为您打造安全便捷、包容多元的支付服务环境。祝您旅途愉快！ To enhance your payment experience in Xiamen, we provide you with a payment service guide covering different methods such as overseas bank card payments, mobile payments,RMB cash payments, account services, and e-CNY payments, creating a safe, convenient, and inclusive payment service environment for you. We wish you a pleasant journey！ 01 境外银行卡刷卡支付 Pay with Overseas Bank Cards 如果您持有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。如果没有标识，您可向收银人员咨询可否使用。 If you hold an overseas bank card with a Visa, MasterCard, JCB, or other identification, you can make payment by swiping the card at a merchant with the corresponding acceptance identification.If there is no identification, you can consult the cashier to see if it can be used. 如果您持有银联标识的境外银行卡，您可在厦门所有配备POS机的商户进行刷卡支付。 If you hold an overseas bank card with the UnionPay logo, you can make card payments at all merchants equipped with POS machines in Xiamen.
支付小贴士 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 confirm if your bank card can be used within China. Some bank cards need to apply to the issuing bank in advance to activate cross-border transaction functions. 02 移动支付 Mobile Payment 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！ You can use UnionPay, Alipay, WeChat and some overseas electronic wallets for convenient mobile payment. Come and experience it! 01 支付宝 Alipay 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 向上滑动查看 Swipe up to view more. 02 微信支付 Weixin Pay 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 向上滑动查看 Swipe up to view more. 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。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。 If you don't have time to submit complete identity information at the moment and want to use mobile payment immediately, you can use authentication free small payment. You can also choose to continue submitting authentication information according to your own needs to increase transaction limits and experience complete services. 向上滑动查看 Swipe up to view more.
03 云闪付 UnionPay 1.在手机应用市场或银联官网上下载云闪付App Download the UnionPay app in the app store or from its official website. 2.使用手机号码注册并开通支付功能 Register with your phone number and enable the payment function. 3.在 App 中绑定银行卡 Add bank cards as shown below. 4.扫码支付。分为主扫(方式1)和被扫(方式2)两种方式。 Pay by scanning QR code.You can pay by scanning a merchant's QR code (method 1) or by having a merchant scan yours (method 2). 向上滑动查看 Swipe up to view more.
04 境外电子钱包 Pay with overseas e-wallets 1.您可直接使用本地熟悉的钱包支付，欧博无需另行开户或下载境内APP。 You can directly pay with their home-grown wallets, without opening a separate account or downloading a Chinese app. 2.与境内使用银行卡消费费率一致，无额外手续费。 Same rate as that of China cards.No additional fee. 3.隐私保护更完善，您无需向第三方平台提供个人隐私等敏感信息。 Better privacy protection. You do not need to provide sensitive personal information to third-party platforms. 向上滑动查看 Swipe up to view more.
03 人民币现金支付 Pay with Cash 您可通过以下五种渠道获得人民币现钞，满足您在中国境内的所有消费支付需求。 You can obtain RMB cash through the following five channels to meet all your consumption and payment needs within China. 01 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。 You can bring your valid personal identification to a bank branch with a "currency exchange" label to handle foreign currency exchange, RMB change, exchange rate inquiry, and other transactions.
02 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钞。 You can withdraw RMB cash directly from self-service devices such as ATMs and CRSs with corresponding bank card organization identification.
03 个人本外币兑换特许机构 Individual Local and Foreign Currency Exchange Franchise Institution 您可在悬挂有“货币兑换”标识的个人本外币兑换特许机构直接使用外币现钞兑换人民币现钞。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钞兑换人民币累计金额不超过等值5万美元。目前，全厦门有10家个人本外币兑换特许机构。常见于机场、港口等口岸场所。 You can directly use foreign currency cash to exchange for RMB cash at a personal local and foreign currency exchange authorized agency with a "currency exchange" sign hanging on it. Each person can exchange a cumulative amount of no more than the equivalent of 5000 US dollars per day, and overseas individuals can use foreign currency cash to exchange RMB for a cumulative amount of no more than the equivalent of 50000 US dollars per year. Currently, there are 10 personal Local and Foreign Currency Exchange Franchise Institutions throughout Xiamen.They are usually located at airports, harbors and other ports of entry.
点击下方图片查看个人本外币兑换特许机构地址 Click the image below to view the Address of Personal Local and Foreign Currency Exchange Franchise Institution
04 代兑机构 Exchange agency 目前，全厦门有62家代兑机构。常见于涉外酒店等场所，支持外币现钞兑换人民币现钞的单向兑换。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。 Currently, there are 62 exchange agencies throughout Xiamen.Commonly found in foreign-related hotels and other places, it supports one-way exchange of foreign currency cash into RMB cash. Each person's daily exchange does not exceed the equivalent of 10000 RMB, and the annual exchange does not exceed the equivalent of 50000 RMB.
点击下方图片查看代兑机构地址 Click the image below to view the address of the exchange agency
05 自助兑换机 Self-Service exchange machine 目前，全厦门有2台自助兑换机。您可持个人有效身份证件通过自助兑换机将外币现钞兑换人民币现钞。每人每日兑换不得超过等值5000元人民币。 Currently, there are 2 self-service exchange machines throughout Xiamen.You can exchange foreign currency cash for RMB cash through the self-service exchange machine with your valid personal identification document. Each person is not allowed to exchange more than the equivalent of 5000 RMB per day.
点击下方图片查看自助兑换机地址 Click the image below to view the address of Self service exchange machine
04 账户服务 Account Service 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、港澳居民居住证和台湾居民居住证以及法律、行政法规规定的其他有效身份证明文件。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。 If necessary, you can open a bank card at a domestic bank branch with valid identification documents. The following documents can be used as valid identity documents for applying for bank cards: valid passport, Mainland Travel Permit for Hong Kong and Macao Residents, Mainland Travel Permit for Taiwan Residents, Permanent Residence Identity Card for Foreigners, Hong Kong and Macao Resident Permit，Taiwan Resident Permit, and other valid identity documents required by laws and administrative regulations. Applying for bank cards within the country requires cooperation with banks to conduct due diligence in accordance with international practices. Domestic banks will conduct reasonable classification and grading management based on due diligence. 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 the bank card regulations (agreements) of domestic banks: swiping cards at all merchants equipped with POS machines in China for consumption,withdrawing RMB cash for cash consumption, etc. 05 数字人民币 Pay with e-CNY 如果您对数字人民币有兴趣，您还可以使用数字人民币支付。 You can also make payments in e-CNY if you are interested in e-CNY. 手机用户可在应用市场下载安装“数字人民币（试点版）App”。安卓用户还可扫码下方二维码直接下载安装。然后，根据App内的提示使用。 Download the “e-CNY”app in the app store. Android users can also scan the QR code below to download. Then, pay by following the instructions in the app.
*注:数字人民币 App 可在如下试点地区注册使用:北京，天津，河北，大连，上海，江苏，浙江(杭州、宁波、温州、湖州、绍兴、金华)，福建(福州、厦门)，山东(济南、青岛)，长沙，广东，广西(南宁、防城港)，海南，重庆，四川，云南(昆明、西双版纳)，西安。 *TIPS: E-CNY app registration service is available to users in the following pilot areas: Beijing, Tianjin, Hebei, Dalian, Shanghai, Jiangsu,Zhejiang (Hangzhou, Ningbo, Wenzhou, Huzhou, Shaoxing and Jinhua), Fujian (Fuzhou and Xiamen), Shandong (Ji'nan and Qingdao),Changsha, Guangdong, Guangxi (Nanning and Fangchenggang), Hainan, Chongqing, Sichuan,Yunnan (Kunming and Xishuangbanna) and Xi'an. 24小时全国客户服务热线:+86-10-956196 The 24-hour e-CNY customer service hotline:+86-10-956196 原标题：《优化支付服务·使用指南篇 |【厦门】境外来厦人员支付服务指南》 (责任编辑：) |
