Alipay & WeChat foreign-card fee calculator
Estimate the platform fee on a CNY payment, compare published transaction limits and optionally convert the total with your own USD exchange rate.
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What will this payment cost?
Small payments are generally free.
Below CNY 200: generally free.
Above CNY 200: may charge 3% of the full payment amount.
Exactly CNY 200: published wording differs; check in-app.
CNY 201 → estimated fee CNY 6.03 → estimated total CNY 207.03.
Published limits, side by side
| Source | Per transaction | Annual cumulative |
|---|---|---|
| Shanghai guidance A | Up to USD 1,000 | Up to USD 10,000 |
| Shanghai guidance B | Up to USD 5,000 | Up to USD 50,000 |
Before you confirm a payment
This estimate applies to foreign cards linked to Alipay or Weixin Pay (WeChat Pay). Check the actual payment screen: exemptions and promotions may change the charge. At exactly CNY 200, guidance A says “under 200” while guidance B says “200 or less”; the sources differ at this boundary. The calculator models a zero fee at CNY 200 only as an estimate. At CNY 300, a possible 3% fee is calculated on all CNY 300. Estimates use round half up to two decimal places (fen) as a calculator convention, not a verified app rounding rule; the app’s displayed charge controls.
If a merchant offers separate legitimate purchases, each transaction is assessed separately. Do not assume a merchant allows split payments or use splitting to bypass account limits. Keep a backup payment method.
Sources
- Shanghai guidance B: fee wording and up to USD 5,000 / 50,000 · checked 2026-10-29
- Shanghai guidance A: fee wording and up to USD 1,000 / 10,000 · checked 2026-10-29