Has anyone used a BofA credit card as the linked card on AliPay while visiting China?
I live in Canada but we live mostly on US dollars using our BofA travel rewards card. Unfortunately, it’s useless for buying anything online for anything based outside of North America such as advance tickets for European attractions, airlines based in Asia, etc.
Most merchants outside the use VisaSecure for online payments which should automatically send an OTP via SMS. B of A refuses to pay for the non American version so the payment is declined and you then need to sit on hold an hour or more, call them, have them see the decline and have them approve it manually while you renter it.
This is totally unacceptable but as a non resident that can’t show proof of residence, while it’s allowable to maintain the card, no bank will issue us another US based card. We have an alternate one that we use with RBC’s cross border US bank and works well but it’s always good to have a second card that works like it’s 2026.
Given this constraint, I’m wondering if I can even bother linking this card for payments in China or will it simply decline every payment since you don’t use the card directly but through AliPay or WeChat Pay.
By chance if anyone has any experience with this, I’d appreciate you sharing your experience. Thanks