How to Sign Up and Create a Verified Alipay Account in 2025

How to Sign Up and Create a Verified Alipay Account in 2025

In 2025, the world of digital payments has become more advanced, more globalized, and more essential than ever.

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Whether you’re living in China, traveling for business, or simply looking for a reliable way to send and receive money internationally, Alipay stands out as one of the most trusted and powerful mobile wallet platforms available today.

Originally launched by Ant Group (an affiliate of Alibaba Group), Alipay has evolved from a simple e-payment service into a multifaceted financial ecosystem. It enables users to do everything from paying for meals, taxis, and utilities to investing in mutual funds and purchasing insurance—all from a single app. In 2025, its capabilities have been expanded even further, offering smoother onboarding and more accessibility for non-Chinese users than ever before.

So why does this matter to you?

Because a verified Alipay account isn’t just a convenience—it’s a digital necessity, especially if you interact with Chinese businesses, visit China, shop on platforms like Taobao or Tmall, or need a payment method accepted across Asia. And now, thanks to updates in user onboarding, ID verification, and international support, it’s easier than ever to create an account, even if you live outside of China.

In this comprehensive guide, you’ll learn:

✅ How to download and register for Alipay on iOS or Android

🧾 What documents and information you need to verify your account

🔐 How real-name authentication works in 2025 and why it’s crucial

💳 What payment methods work best for international users

🚫 How to avoid common sign-up issues that could delay approval

What Is Alipay and Why You Need an Account in 2025

💡 What Is Alipay?

Alipay is a mobile payment platform and super-app developed by Ant Group, a fintech affiliate of the Alibaba Group. Launched in 2004, it was initially created to facilitate secure transactions on Alibaba’s marketplaces like Taobao and Tmall. Over the years, Alipay has transformed into one of the world’s most comprehensive digital finance tools, offering everything from mobile payments to ride-hailing, insurance, investments, and more—all from a single, intuitive interface.

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As of 2025, Alipay boasts over 1.3 billion active users globally, with growing adoption among foreign residents, tourists, and online shoppers thanks to its expanded international services and multilingual support.

🔄 What’s New in Alipay in 2025?

Alipay in 2025 isn’t just about paying at stores—it’s about total financial mobility. Here are the key updates that make it a must-have this year:

🌍 Improved Support for International Users:

 Foreigners can now create and verify accounts with fewer restrictions, using passports and international phone numbers.

⚡ AI-Driven Real-Name Verification:

 Faster, more accurate ID checks using facial recognition and document scanning make account approval easier than ever.

💱 Multi-Currency Wallet Options:

 Users can now hold and convert between multiple currencies (USD, EUR, RMB, etc.) inside Alipay, making it ideal for international transactions and travel.

🔒 Enhanced Data Privacy & Compliance:

 Upgrades to encryption, GDPR compliance, and financial regulations make Alipay safer for global users.

💳 Why You Need a Verified Alipay Account

A verified Alipay account unlocks a full suite of features, including:

✅ Cashless Convenience

 Pay for food, taxis, hotels, shopping, and entertainment—whether in-person or online—without carrying cash or using credit cards.

✅ Access to Chinese E-commerce Platforms

 Shop on sites like Taobao, Tmall, JD.com, or book through Ctrip, which often require or prefer Alipay.

✅ Peer-to-Peer Transfers

 Instantly send or receive money between friends, freelancers, or clients across borders.

✅ Travel-Friendly Tools

 Use Alipay to book trains, access tourist attractions, rent bikes, or navigate metro systems across China.

✅ Exclusive Discounts and Coupons

 Many merchants offer promotions exclusively for Alipay users—especially during events like Singles’ Day (11.11).

📱 Alipay vs. WeChat Pay in 2025: Which One’s Better?

Feature

Alipay

WeChat Pay

International Access

Easier onboarding for foreigners

Requires Chinese ID or more steps

Verification Speed

Fast, AI-based approval

Slower manual process

Global Currency Support

Supports USD, EUR, etc.

Mostly RMB-focused

Use in China

Accepted everywhere

Also widely accepted

E-commerce Integration

Strong with Alibaba platforms

Strong with WeChat ecosystem

While both are powerful, Alipay is more foreigner-friendly in 2025, making it the better choice for most international users.

Requirements to Sign Up for an Alipay Account

Before diving into the registration process, it’s important to understand what Alipay expects from new users in 2025. With stricter regulations around digital finance and growing concerns about fraud and identity theft, Alipay has refined its verification system to ensure security without sacrificing usability — especially for non-resident and foreign users.

This section outlines the exact requirements you’ll need to meet to create a verified Alipay account, whether you’re in China or overseas.

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📄 Documents Needed to Register and Verify Your Account

Alipay uses a real-name authentication system, which means you’ll be asked to submit identity documents and personal information before gaining full access to all features. Here's what you’ll need:

✅ 1. Valid Passport or National ID

Foreign users must upload a clear, unedited scan or photo of a valid passport.

Chinese citizens must use a mainland China national ID card.

Hong Kong, Macau, and Taiwan users may be asked for residency cards or travel permits.

✅ 2. Mobile Phone Number (Local or International)

Alipay requires a phone number that can receive SMS verification codes.

International numbers are supported, but ensure your number is active and not restricted by region.

You’ll use this number to log in, reset passwords, and verify security changes.

✅ 3. Email Address (Optional but Recommended)

Some verification steps or password recovery options may involve your email.

Use a personal, secure email that you check regularly.

✅ 4. Recent Selfie or Live Photo (for Facial Recognition)

A live selfie may be required to verify that your ID matches your face.

This is part of Alipay’s AI-driven identity verification and helps prevent identity fraud.

Avoid blurry images, filters, or poor lighting.

🌍 Who Can Register for Alipay in 2025?

In 2025, Alipay supports different account types depending on your citizenship and location. Here’s a breakdown:

👤 Chinese Citizens

Can register with national ID.

Have full access to all banking and financial features by default.

🌐 Foreigners and Overseas Users

Can register using a passport and international mobile number.

Must go through manual or automated identity verification.

Some services (e.g., loans, certain investments) may remain restricted without a Chinese bank account.

🏢 Business Accounts

Available to both domestic and international entities.

Require business registration documents, a corporate bank account, and possibly legal rep ID.

Useful for e-commerce sellers, freelancers, and import/export operations.

Step-by-Step Guide to Create an Alipay Account in 2025

Creating an Alipay account in 2025 is easier and more user-friendly than ever before — especially for international users. Thanks to Alipay’s updated onboarding flow, English support, and global compatibility, the sign-up process can be completed in just a few minutes, provided you follow the right steps.

This section breaks down the entire process into five clear and detailed steps, from downloading the app to completing real-name verification.

📲 Step 1 – Download the Alipay App

You’ll need the official Alipay app to begin registration. Be cautious — there are third-party apps and lookalikes, especially outside of China. Always download from a trusted source:

iPhone (iOS):

 Visit the Apple App Store and search for “Alipay – 支付宝”. Make sure the developer is listed as Ant Group.

Android:

In regions where Google Play is supported, search for “Alipay” and confirm the official publisher.

If unavailable on Google Play (e.g., in some Asian or Middle Eastern regions), go directly to the official Alipay website (www.alipay.com) to download the APK safely.

📌 Pro Tip: You may need to switch your app store region to Mainland China or Hong Kong to find the app. Don’t worry—once installed, you can switch the interface to English.

🌐 Step 2 – Choose Language Settings

Alipay’s interface defaults to Chinese, but switching to English or your preferred language is simple:

Open the app.

Tap the "Me" icon in the lower right corner.

Go to Settings > General > Language.

Select English or another supported language.

This will make the registration and verification steps easier to navigate.

✍️ Step 3 – Register a New Account

Once your language is set, follow these steps to begin registration:

Tap “Sign Up” or “Register.”

Enter your mobile number (with the correct country code).

You’ll receive a one-time password (OTP) via SMS.

Enter the OTP to verify your number.

Set a secure login password — a mix of letters, numbers, and symbols is recommended.

Optionally, enter your email address for account recovery and communications.

You’ve now created a basic Alipay account — but it will remain limited until you verify your identity.

🔐 Step 4 – Complete Real-Name Verification

Real-name authentication is required to unlock full access to Alipay features, especially if you’re a foreigner. Here’s how to complete it:

Go to “Me” > “Bank Cards” or “My Account”.

Tap on “Real-name Verification”.

Select passport (for non-Chinese users) or ID card (for Chinese citizens).

Upload a photo of your document. Ensure:

No glare or blur

All corners are visible

No edits, crops, or watermarks

Take a live selfie when prompted.

Alipay will use facial recognition to match it with your document.

Submit and wait for approval.

⏱️ Verification usually takes 1 to 24 hours, depending on image clarity and server load.

💳 Step 5 – Add a Payment Method (Optional, but Recommended)

After identity verification, you can link a bank card or use alternative funding options:

1. Link a Bank Card

Tap “Cards” > “Add Bank Card.”

You can enter a Chinese bank card or certain international Visa/Mastercard cards (features vary by region).

Alipay may perform a small test transaction (e.g., $1 USD) for confirmation.

2. Top Up Without a Bank Account

Use third-party top-up services or platforms like Wise, Payoneer, Revolut to fund your wallet.

You can also receive money from friends or clients within Alipay.

Tips to Ensure Your Alipay Account Is Verified Quickly

Getting your Alipay account verified is the most crucial step for unlocking its full functionality — especially for foreign users in 2025. While Alipay’s verification system is now smarter and faster, mistakes during this process are still common and can result in unnecessary delays or outright rejection.

To help you get verified the first time, here are the most effective tips, based on how Alipay’s AI verification and human moderation systems operate today.

📸 1. Use High-Resolution, Unedited ID Photos

One of the most common causes of verification failure is poor image quality. Here’s what works best:

Take your passport or national ID photo using a good smartphone camera or scanner.

Ensure:

All four corners of the document are visible

Text and photo are clear and sharp

No glare, shadows, or reflections

Do not edit, crop, or apply filters to the image. Even small enhancements can flag the system.

💡 Pro Tip: Lay your passport on a dark, flat surface with indirect natural light for the best result.

🔄 2. Avoid VPNs or Proxy Networks During Signup

Alipay monitors IP addresses and network behavior during sign-up and verification. If you’re using a VPN, proxy server, or masking your location, your registration may be flagged as suspicious.

Use a stable internet connection tied to your actual region.

If you’re overseas, that’s okay — just make sure your network reflects your real country.

Avoid switching IP addresses mid-process (e.g., between mobile data and Wi-Fi).

✅ 3. Make Sure Your Name Matches Your ID Exactly

This sounds obvious, but many users fail this step due to formatting or character issues:

Enter your full legal name exactly as it appears on your passport or national ID.

Avoid using nicknames or abbreviations (e.g., using “Alex” instead of “Alexander”).

If your ID includes middle names, include them in the same order.

📝 Alipay is case-sensitive and detail-sensitive — even a missing hyphen or initial can result in rejection.

💡 4. Take Your Selfie in a Well-Lit, Neutral Environment

When prompted for a facial recognition scan or selfie, keep these guidelines in mind:

Use a plain background (white or light-colored walls are best)

Remove glasses, hats, or accessories

Ensure your face is centered and well-lit — avoid shadows or backlighting

Keep a neutral expression (don’t smile excessively)

If the scan fails, you’ll be asked to try again. Alipay may also request a short video clip or live verification in some rare cases.

🧘 5. Be Patient — and Don’t Resubmit Too Quickly

Once submitted, resist the urge to re-upload your documents too quickly if you're waiting. Verification typically takes between 1 and 24 hours. Submitting multiple times in a short window may reset your place in the queue or trigger a manual review.

🔐 Bonus Tip: Prepare for Secondary Verification

In some cases, Alipay may ask for a secondary form of ID, proof of residence, or a short recorded video. Don’t panic — this is part of their anti-fraud compliance system.

Keep a utility bill, bank statement, or secondary ID on hand just in case.

Respond promptly to in-app messages or requests for more documentation.

Common Errors and How to Fix Them

Even with the smoother registration system introduced in 2025, it’s still common for new users—especially foreigners—to run into verification issues, SMS problems, or confusing errors when creating their Alipay account.

The good news? Most of these issues are easily fixable if you know what’s causing them. Below is a breakdown of the most frequent problems users encounter, along with step-by-step solutions to get you back on track quickly.

❌ Verification Failed

This is the most common issue — and it usually comes down to one of three things:

🔍 1. Mismatched Name or Incomplete Info

Cause: Your name or ID number doesn’t match exactly with what’s on your official document.

Fix:

Double-check spelling, middle names, and punctuation.

Use the same format shown on your passport (e.g., FULL NAME IN CAPS).

Avoid using short forms or initials unless they appear on your ID.

🖼️ 2. Low-Quality or Altered Document Photos

Cause: The uploaded passport or ID photo is blurry, cropped, or edited.

Fix:

Take a fresh photo in a well-lit room.

Ensure no parts of the document are cut off.

Do not compress or filter the image.

🤳 3. Poor Selfie or Facial Scan

Cause: Your selfie didn’t pass the AI facial recognition check.

Fix:

Retake the selfie with a neutral expression.

Make sure the lighting is bright and even.

Keep your camera steady and your face centered.

📵 Can't Receive SMS Code

If you're stuck waiting for the verification code via text message, here’s what might be wrong:

🌍 1. Region or Carrier Restrictions

Cause: Some international phone numbers may not be supported by Alipay’s SMS system.

Fix:

Try using a different number from another provider.

Use a SIM card with international messaging support, such as Google Fi, T-Mobile, or local carriers in Southeast Asia and Europe.

Avoid VOIP numbers like Google Voice or TextNow — they often fail to receive Alipay codes.

🔒 2. Firewall or Spam Filtering

Cause: Your carrier or phone might block messages from unfamiliar shortcodes.

Fix:

Check your phone’s spam or blocked messages folder.

Disable any third-party spam-blocking apps temporarily.

🔁 3. Number Already Registered

Cause: If your number was previously used with an old or forgotten Alipay account, it might cause a conflict.

Fix:

Try recovering the previous account (use the “Forgot Password” option).

Or register with a different mobile number.

🧭 Other Troubleshooting Tips

App crashes or freezes:

Make sure you have the latest version of the Alipay app.

Clear cache or reinstall if the app behaves strangely.

“Service Not Available in Your Region”:

Alipay is technically available globally, but some features may be region-locked.

Avoid using VPNs, and make sure your phone’s region settings match your location.

Error after uploading documents:

Wait at least 1–2 hours before re-uploading.

Repeated rapid submissions can cause your account to be flagged for manual review.

Alipay for Foreigners – 2025 Update

For years, Alipay was primarily a domestic platform — great for users inside China, but frustratingly limited for those outside. But in 2025, Alipay has undergone a major shift: it now fully supports foreign users, even if they don’t have a Chinese ID or bank account.

Whether you’re a tourist, an overseas shopper, or a digital entrepreneur, Alipay now offers you a legitimate, secure way to pay, receive, and manage money globally — all through your phone.

🌍 What’s New for International Users in 2025?

Alipay has implemented a range of updates specifically for non-Chinese users. Here’s what’s new and why it matters:

🌐 1. International Account Support

Foreign users can sign up using their passport and international phone number.

Verification can now be completed entirely online, from anywhere in the world.

You no longer need a Chinese phone number, visa, or local address to get started.

💱 2. Multi-Currency Wallet Options

You can now hold and manage balances in currencies like USD, EUR, JPY, and more.

Currency exchange within the wallet is automated at competitive rates.

This is especially useful for:

Freelancers receiving global payments

Tourists converting funds

Online shoppers buying from Chinese platforms

📲 3. Expanded QR Payment Access

Alipay now lets foreigners use QR codes to pay in stores across China.

Simply top up your balance and scan — no Chinese card required.

Ideal for cafés, convenience stores, public transport, and tourist attractions.

🛡️ 4. Global Customer Support

New multilingual support teams in English, Spanish, Arabic, and more.

In-app live chat and email assistance now available 24/7 for foreign users.

Help articles and interface instructions have been fully translated and localized.

💸 How to Top Up Your Alipay Wallet from Abroad

A big challenge for non-Chinese users was always funding their account. In 2025, you have more top-up options than ever:

🏦 1. Link an International Bank Card

Some Visa and Mastercard credit/debit cards can be linked directly.

May require verification through 3D Secure or your banking app.

Great for recurring payments or e-commerce use.

🌐 2. Use Third-Party Funding Services

Trusted providers like Wise (formerly TransferWise), Revolut, and Payoneer can send funds to Alipay wallets.

Some services let you generate a virtual Chinese bank account for smoother integration.

🤝 3. Receive Transfers from Other Alipay Users

Once verified, you can accept payments or remittances from friends, clients, or business partners.

This makes Alipay a viable peer-to-peer wallet for international freelancing or e-commerce.

💡 Tip: If you’re not sure how to top up from your country, check Alipay’s international FAQs or consult their in-app support. Some countries have local partners who offer recharge services.

🧭 Who Should Use Alipay as a Foreigner?

If you fall into any of the categories below, Alipay could simplify your financial life in China and beyond:

✈️ Travelers visiting China: Pay without converting cash or opening a Chinese bank account.

🛍️ International shoppers: Buy from Chinese platforms like Taobao and Tmall with ease.

🌐 Remote freelancers or expats: Send and receive payments without currency headaches.

🧾 Digital entrepreneurs or sellers: Manage payments from Chinese clients or customers globally.

Frequently Asked Questions (FAQs)

Whether you’re just starting the sign-up process or you've already created an account and hit a snag, it’s normal to have questions. Below are the most frequently asked questions about using and verifying Alipay in 2025, with straightforward answers to help you move forward confidently.

❓ Q1: Can I use Alipay without a Chinese bank account?

Yes, absolutely.

 Alipay now supports international users without requiring a Chinese bank account. After completing real-name verification using your passport and international phone number, you can:

Top up your wallet using international cards or third-party services like Wise or Payoneer.

Receive payments from other users.

Make QR code payments while traveling in China.

Shop online at platforms that accept Alipay (like AliExpress, Taobao Global, etc.).

✅ This makes Alipay accessible even if you’ve never been to China.

❓ Q2: Is it safe to upload my passport and personal details?

Yes — Alipay uses advanced security protocols.

 Alipay is backed by Ant Group, which also operates some of the most trusted financial services in China. Here’s how they protect your data:

Bank-grade encryption protects all uploaded documents and information.

Your personal data is stored securely and never shared without your consent.

Facial recognition and AI verification reduce the risk of identity fraud.

Alipay complies with international data privacy laws such as GDPR.

🔐 Your ID is only used for account verification and legal compliance.

❓ Q3: How long does verification take in 2025?

Anywhere from 5 minutes to 24 hours, depending on a few factors:

Image quality of your uploaded documents

Server traffic and time of day

Whether the system flags your submission for manual review

If your documents are clear and correctly formatted, many users receive approval in under 30 minutes.

⏱️ Delays of more than 24 hours usually mean something went wrong — recheck your uploads or contact support.

❓ Q4: Can I use Alipay for online shopping internationally?

Yes.

 Alipay is accepted by an increasing number of global e-commerce platforms, including:

AliExpress

Banggood

DHGate

Some sellers on Amazon, eBay, and Etsy

In addition, some travel services (e.g., airlines, hotels, ride-hailing apps) also support Alipay payments from verified international accounts.

🌍 Check if the seller offers “Alipay” as a payment method during checkout.

❓ Q5: What happens if I lose access to my registered phone number?

Don’t panic — there’s a recovery process:

Open the Alipay app and go to “Forgot Password”.

Choose the option for phone number recovery.

You may be asked to:

Verify your identity again using your passport

Provide your email or answer security questions

Record a short video for live facial verification

You can also contact Alipay’s international support team for help with recovering your account.

📱 It’s strongly recommended to add an email address to your account for backup.

❓ Q6: Can I use Alipay in languages other than Chinese?

Yes.

 The app supports several languages, including:

English

Spanish

French

Arabic

Japanese

Korean

Language settings can be changed anytime under:

 Me → Settings → General → Language

🌐 This makes the platform much easier to use for global users in 2025.

❓ Q7: Is there a limit to how much I can spend or receive?

Yes — but it depends on your verification level.

Verification Level

Limits (Approx.)

Basic (unverified)

Very limited features

Real-name verified (passport)

~$2,000–$5,000 USD/month

Business account

Higher limits (varies by case)

If you need to raise your limit, you may be asked to provide additional documents or link a verified bank account.