Alipay 外国人向け設定ガイド 2026: 日本のクレジットカードで支払う5ステップ

TL;DR

Alipayを日本のVisa/Mastercardで設定するのに5〜10分しかかかりません。パスポート認証、日本語インターフェース、200元以下無料 + 200元超過時3%手数料、年間50,000ドル制限。小規模店舗にはTourCardを推奨。

なぜAlipayか

中国のモバイル決済市場シェア:

• Alipay(支付宝): 54%
• WeChat Pay(微信支付): 40%
• UnionPay(銀聯): 3%
• その他: 3%

中国店舗の90%以上がどちらかを接受します。両方設定すれば99%決済可能。

日本人にとって特に重要な点

• 日本のVisa/Mastercard/JCB: ほとんど登録可能
• 日本のプリペイドカード: 楽天Pay、PayPay(チャージ残高)は一部対応
• 海外決済手数料 0 カード: Wise、Revolut、PayPay(海外対応プラン)
• 日本語インターフェース: 日本App Store/Google Playでダウンロード時自動的に日本語表示

Before you start: gather these items

You will need:

• A smartphone (iOS or Android). A 2-year-old phone is fine.
• Your Japanese passport, with at least 6 months of validity remaining.
• A Japanese credit or debit card from Visa, Mastercard, or JCB network. The card’s name MUST match your passport name exactly.
• A Japanese mobile number that can receive SMS.
• Stable home Wi-Fi — not the airport, not the hotel.

Setting up Alipay from the Narita/Haneda airport or your Shanghai hotel Wi-Fi is the most common reason foreigners fail the setup. Do it at home, on your own Wi-Fi, with VPN off. The whole process takes 5-10 minutes if you have your passport and card ready.

Step 1: Download Alipay outside China

In the App Store (iOS) or Google Play (Android), search for Alipay. The developer should be “Alipay (Hong Kong) Holding Limited” or similar. Download it.

Important: Download it BEFORE you fly to China. Once you’re on Chinese mobile networks, the App Store and Google Play both work normally, but downloading a fresh app requires SMS verification that’s easier on your home network.

Step 2: Register with your Japanese phone number

Open Alipay. Tap Register. The app auto-detects your location — in Japan, it’ll show the Japanese interface. The phone number field shows a country code dropdown; pick +81 for Japan. Enter your Japanese mobile number.

Alipay will SMS a 6-digit verification code to that number. Enter it within 60 seconds. Then set a password (6+ characters).