Pay in China

Fix Payment Error: Transaction Declined by Your Bank

For a complete overview of all payment options in China, please read our Ultimate Guide to Paying in China.

Problem: Your payment on Alipay or WeChat Pay fails. You see an error like Transaction Declined by Issuer, C6, or Card doesn't support CNY transactions (-1011).

Why It Happens

This is the most common error. It means your own bank stopped the payment. It is not a problem with Alipay or WeChat.

  • Bank Security: Your bank's security system thinks the payment from China is a risk.
  • No 3D Secure: Your bank did not use the required "3D Secure" identity check.
  • Account Limits: Your bank account is not set up for online payments in a foreign country.

How to Fix It: A Step-by-Step Guide

  1. Step 1: Contact Your Bank (Most Important!)

    This is the fastest and most effective solution. Call the customer service number on the back of your credit card.

    What to say to your bank:

    "I am trying to make an online payment to a merchant in China through Alipay / WeChat Pay. My transaction was declined. Can you please check my account and authorize online transactions to merchants in China?"

    They can usually fix this in a few minutes.

  2. Step 2: Check Your Banking App

    Open your mobile banking app. Look for settings like:

    • Card Controls
    • Security Settings
    • Online Payments or E-commerce
    • Overseas or International Transactions

    Make sure these options are turned ON.

  3. Step 3: Try a Small Payment First

    After contacting your bank, first try to pay a small amount, like 10 RMB. If it works, your card is now active for larger payments.

Backup Plan

  • Use a different card: If you have another card from a different bank (e.g., a Visa instead of a Mastercard, or a Chase card instead of a Capital One card), try that one.
  • Prepare in advance: Before your trip to China, call your bank and tell them you will be traveling and making payments there.