A Comprehensive Guide to Registering and Verifying Your Alipay Without a Chinese Bank Account

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Written By Sharline

Sharline is an expert on Chinese export trade. With 10 years of experience in the field of sourcing in China, she is familiar with all relevant regulations and laws about China's exporting. She loves to share her experiences with people and has written many helpful articles.

Alipay, a leading digital payment platform in China, has transformed the way transactions are conducted in the country and beyond. However, for individuals outside of China, the process of registering and verifying an Alipay account can be challenging, particularly due to the requirement of a Chinese bank account. 

In this comprehensive guide, we will walk you through the steps to register and verify your Alipay account even if you don’t have a Chinese bank account. By following these instructions, you can gain access to the benefits of Alipay and enjoy convenient digital payments.

1. Understanding Alipay

Alipay, developed by Alibaba Group’s financial arm Ant Group, is a widely used mobile payment and lifestyle platform in China. It offers a range of financial services, including mobile payments, money transfers, and even investment options. While it’s primarily used in China, individuals outside of the country can leverage Alipay for certain transactions and services.

2. Preparing for Registration

Before embarking on the process of registering and verifying your Alipay account, ensure you have the following:

  • A valid passport or identification document
  • An active email address and mobile phone number
  • A VPN (Virtual Private Network) for accessing Alipay’s registration page from outside of China

3. Step-by-Step Guide

Step 1: Access Alipay’s Registration Page

Initiate the process by connecting to a Virtual Private Network (VPN) with a server located in China. This step is essential as it allows you to access Alipay’s official registration page as if you were physically present in China. By masking your IP address and virtually placing yourself within the country’s boundaries, you can smoothly navigate the registration process.

Step 2: Language Selection and Navigation

Upon accessing the registration page, you might notice that the content is predominantly in Chinese. To overcome the language barrier, you can leverage online translation tools or browser extensions that offer real-time translations. This way, you can understand the instructions and details presented during the registration process accurately.

Step 3: Initiating Account Registration

Locate the “Register” or “Sign Up” button, which signifies the commencement of your Alipay account creation journey. This step requires you to provide basic information such as your active mobile phone number and email address. As a security measure, opt for a strong and unique password that adheres to recommended guidelines for online security.

Step 4: Identity Verification

Alipay, committed to user security, mandates a verification process to ensure the authenticity of your identity. Prepare your valid passport or identification document, as these are typically accepted forms of identification. Enter the requested details with precision and accuracy to streamline the verification process.

Step 5: Mobile Phone Verification

As part of the verification protocol, Alipay sends a verification code to the mobile phone number you provided during registration. Retrieve the code and input it into the designated field on the registration page. This step not only confirms your mobile number but also adds an additional layer of security to your account.

Step 6: Email Verification

Similarly, you’ll receive a verification email in the email address you provided. Access your email inbox and locate the email from Alipay. Click on the verification link enclosed within the email to validate your email address. This step finalizes the association of your email with your Alipay account.

Step 7: Setting Up Enhanced Security

Alipay places a strong emphasis on security, and as such, it offers various security measures to safeguard your account. Set up a Personal Identification Number (PIN) code, fingerprint recognition, or facial recognition to enhance the security of your Alipay account. These features play a crucial role in protecting your financial transactions and personal information.

Step 8: Adding an International Payment Method

Traditionally, Alipay is linked to Chinese bank accounts for funding and transactions. However, as a non-Chinese user, you can still link an international bank card (such as Visa or Mastercard) to your Alipay account. While this may have certain transaction limits and availability restrictions, it grants you the capability to initiate payments and transactions.

Step 9: Exploring Alipay’s Multifaceted Features

With your Alipay account registered and verified, you gain access to a plethora of features that transcend mere financial transactions. From mobile payments and bill settlements to engaging in limited international money transfers, Alipay’s scope expands to encompass aspects of daily life beyond digital payments.

4. Tips for Successful Usage

Leveraging Alipay’s English Version

Once you’ve successfully logged into your Alipay account, explore the option to switch to the platform’s English version. This transition facilitates seamless navigation and interaction, ensuring that you can effectively utilize Alipay’s features without language barriers.

Mindful Navigation of Limitations

While your account empowers you to engage with Alipay’s offerings, it’s essential to acknowledge that certain features might be limited due to your non-Chinese status. For instance, the ability to add funds to your Alipay account or perform international money transfers may be subject to specific conditions and regulations.

Bolstering Account Security

Elevate your account’s security by adhering to best practices. Regularly update your account password, enable two-factor authentication whenever feasible, and diligently monitor your transaction history for any unusual activities that might warrant investigation.


Embarking on the journey to register and verify your Alipay account without a Chinese bank account is an achievable endeavor with the right approach. By employing a Virtual Private Network, embracing online translation tools, and following the step-by-step process outlined in this guide, you can successfully navigate the intricacies of Alipay’s registration process.