Yes, you can now use AlipayHK in mainland China. According to the latest information on the AlipayHK official website, you can simply link your Hong Kong credit card or bank account to AlipayHK, or complete identity verification to use the account balance. This will allow you to make purchases and payments in all cities in mainland China, nearly 90% of merchants in Macau, over a million offline stores in Japan, over 120,000 stores in South Korea, and some stores in Singapore, with transactions settled in Hong Kong dollars. The payment process is the same as when using AlipayHK locally in Hong Kong.
What is the difference between Alipay and AlipayHK?
In the realm of digital payments, two platforms have notably catered to the needs of consumers across different regions: Alipay and AlipayHK. Both are products of the Alibaba Group but they serve different markets and have distinct features.
Alipay and AlipayHK Primary Features and Functions
Alipay
Originally introduced in 2004, Alipay serves as the predominant online payment platform in mainland China. Here are some of its key features:
- Versatile Financial Services: Alipay offers a broad spectrum of financial services that include online payments, money transfers, bill payments, mobile top-ups, and even wealth management services.
- QR Code Payments: Users can make payments by scanning QR codes at physical stores.
- Integration with Other Alibaba Services: Alipay seamlessly integrates with other Alibaba Group platforms, like Taobao and Tmall.
- Mini Programs: Alipay hosts numerous mini programs, essentially apps within the app, covering a wide range of services like transportation, food delivery, and ticket booking.
AlipayHK
Launched in 2017, AlipayHK caters specifically to residents in Hong Kong. It offers similar functionalities as its mainland counterpart but also has distinctive features:
- HKD Transactions: All transactions are conducted in Hong Kong dollars, simplifying payments for local users.
- Cross-Border Payments: AlipayHK enables users to make payments in mainland China and other regions, with transactions settled in HKD.
- Local Services: AlipayHK includes localized services, such as payments for Hong Kong utilities and transportation.
- English Interface: AlipayHK supports an English language interface, making it accessible to non-Chinese speakers in Hong Kong.
Design and Service Orientation Differences
The distinction between Alipay and AlipayHK goes beyond functionalities; their design and service orientation also differ.
Service Orientation
Alipay is primarily targeted at mainland China users, encompassing virtually every aspect of financial transactions in their daily lives. It has developed a comprehensive ecosystem of services, making it more than just a payment platform.
Conversely, AlipayHK is designed specifically for Hong Kong residents. It emphasizes cross-border payment functionalities, facilitating transactions for Hong Kong residents traveling or shopping in mainland China and other regions.
User Interface Design
Alipay’s user interface is more complex, reflecting the platform’s extensive range of services. It’s tailored to mainland Chinese users who need to navigate a wide array of financial transactions daily.
On the other hand, AlipayHK’s interface is simplified and user-friendly. It’s designed for Hong Kong users, placing more focus on local services and cross-border payments.
Frequently Asked Questions
Can I use AlipayHK overseas?
Yes, AlipayHK users can make payments overseas in various regions. The service allows payments at nearly 90% of merchants in Macau, over one million offline stores in Japan, over 120,000 stores in South Korea, and some stores in Singapore, with transactions settled in Hong Kong dollars. Simply put, AlipayHK provides a seamless cross-border payment experience without the need to worry about currency exchange.
Can I use international Alipay in China?
Yes, International Alipay (also known as Alipay Global) can be used in China. However, the services and functionalities might be limited compared to the mainland China version of Alipay. Users can load their Alipay Global account with an international credit card and use it for various payments in China.
Can I use WeChat Pay HK in China?
Yes, users of WeChat Pay Hong Kong can enjoy instant payment services at supported merchants in Hong Kong, mainland China, and Macau through their mobile devices.
