Alipay on the other hand remains consistent (pay by PIN), had utility (HK Electric) and telco (Three and China Telecom), which is always a pain point. which again slows down the purchase and is inconsistent with their mainland offering. The WeChat downside is that even after entering the payment PIN, it still triggers the credit card issuer's 2nd factor authentication page. Both apps have a variety of "stores" to choose from, where WeChat had a greater coverage of transport / travel / tourist attractions which suited someone like myself who is in constant need of airport express, cross boarder shuttle bus and the HK to mainland through train (I'm still not sure how they could offer the discounted price.). In app purchase: WeChat wins (Slightly). Alipay had loads of welcome gifts to choose from (like 50 HKD voucher for Park n shop, a major super market chain, plus another 30 HKD voucher if you are already an MoneyBack program member) and you qualify for a 5 HKD voucher after 3 purchases using Alipay (limited offer though), whilst WeChat Pay gave an 18 HKD red packet and comparatively weaker in this aspect. Without an authenticated ID, meant I couldn't transact at the merchant with WeChat for days (but still able to purchase from store within WeChat wallet), whilst I was able to use my Alipay straight away after linking my credit card (which I did whilst waiting at the supermarket check out) Alipay took 1 day to authenticate my ID, whilst WeChat took 5 days. ![]() ![]() Real name ID authentication: Alipay wins. The only small downside is that WeChat Pay treats the linkage as an "online purchase" (and it triggers the credit card issuer's 2nd factor authentication page, which prolongs the card linkage process), whilst the Alipay experience is identical to its mainland equivalent which is more efficient. ![]() Both apps successfully added Hong Kong and Mainland credit and debit card.
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