中信银行支持消费者将Visa卡绑定Apple Pay 境外支付更便捷、更安全
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今日，中信银行宣布支持将本行Visa信用卡和借记卡绑定至Apple Pay。持卡人无论身处境外何地，只要商户支持Visa“一拍即付”，就可以通过Apple Pay进行线下或线上支付。
随着数字技术和实体经济日益深度融合，加快发展与数字经济相适应的数字金融，已成为推动经济社会高质量发展的必然要求。近年来，中信银行加快数字化转型，奋力做好数字金融大文章，提高金融服务便利性和竞争力。依托深厚的出国金融服务积淀，中信银行此次首批率先支持Visa信用卡和借记卡绑定 Apple Pay，既是推进数字金融创新的最新举措之一，也为出国金融产品体系注入跨境支付新动能，更好契合出境客户的金融需求。
据介绍，Apple Pay 是一种简单、安全又私密的支付方式。消费者可在境外的线下商户、移动 APP 或线上网站等多种场景使用Apple Pay进行支付。Apple Pay设置快捷，持卡人只需打开iPhone上的钱包APP，轻点加号，并按照提示步骤跳转至中信银行APP或动卡空间APP，选择添加中信银行Visa信用卡/借记卡；或直接通过银行APP，将中信银行Visa信用卡/借记卡添加到Apple钱包，即可完成设置。
在线上线下，持卡人均可使用Apple Pay轻松支付。在店内，持卡人只需连按两下侧边按钮，完成认证后将iPhone或Apple Watch靠近支持“一拍即付”的受理设备，即可免接触付款，支付过程中无需打开任何其他app；在线上APP内或网页，在iPhone和iPad上使用Apple Pay进行更快更便捷的支付，无需创建账户或反复输入联系信息、银行卡号、收货和账单信息。
安全和隐私是Apple Pay的核心所在。持卡人在添加中信银行Visa信用卡/借记卡时，实际的卡号既不存储在设备上，也不存储在Apple的服务器上。系统会分配一个由Visa支付标记化技术生成的唯一的设备账号 （Device Account Number），对该账号进行加密，并以安全的方式将其存储在设备的安全元件 （Secure Element） 中。这是一款行业标准认证芯片，专为在设备上安全存储支付信息而设计。
值得一提的是，持卡人可继续享受与实体卡相同的奖励和权益。Visa 还推出了首绑优惠、交通场景优惠等丰富专属权益，覆盖出境游和境外生活等丰富场景。持卡人可访问 Visa“V享臻选”微信小程序，了解更多权益信息。
当前中国居民出境游热力不减，各大主流旅游平台数据显示出境游商品预订量持续增长，中国游客探索世界的步伐正在向更广阔地区延伸。未来，中信银行将持续强化与全球合作伙伴的关系，不断拓展境外消费场景，持续创新数字金融，提升服务质效，助力用户获享更便捷、更安全、更有温度的支付体验。
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English translation for reference only
CITIC Visa Card Brings Support for Cross-Border Apple Pay Payments to its Chinese Cardholders
China CITIC Bank today brings Apple Pay to its cardholders in [REGION]。 Apple Pay is an easy， secure and private way to pay in-store or online。
As one of the first banks to support Apple Pay， the bank is also the first to offer “dual Visa card binding，” allowing both credit cards and debit cards to be linked to Apple Pay。 This initiative further enhances the overseas payment experience for cardholders， making transactions more convenient and secure。
With the deepening integration of digital technology and the real economy， accelerating the development of digital finance tailored to the digital economy has become essential for driving high-quality economic and social progress。 In recent years， China CITIC Bank has accelerated its digital transformation， striving to excel in digital finance and improve the convenience and competitiveness of its financial services。 Drawing on its extensive experience in overseas financial services， China CITIC Bank is among the first to support Apple Pay， which not only marks its latest step in digital financial innovation but also injects new momentum into its cross-border payment product lineup， better meeting the financial needs of customers traveling abroad。
To pay in-store， customers simply double-click the side button， authenticate and hold their iPhone or Apple Watch near a payment terminal to make a contactless payment。 Every Apple Pay purchase is secure because it is authenticated with Face ID， Touch ID or device passcode， as well as a one-time unique dynamic security code。
Customers can also use Apple Pay on iPhone and iPad to make faster and more convenient purchases in apps or on the web without having to create accounts or repeatedly type in contact information， card details， or shipping and billing information。
Security and privacy are at the core of Apple Pay。 When customers use a credit or debit card with Apple Pay， the actual card numbers are not stored on the device， nor on Apple servers。 Instead， a unique Device Account Number is assigned， encrypted and securely stored in the Secure Element， an industry-standard， certified chip designed to store the payment information safely on the device。
Apple Pay is easy to set up。 On iPhone， simply open the Wallet app， tap the ‘+’， and follow the steps to add CITIC Visa credit or debit cards。 Once a customer adds a card to iPhone， Apple Watch and iPad， they can start using Apple Pay on that device right away。
Customers will continue to receive all of the rewards and benefits offered by China CITIC Bank。 [Please add specific promotion details here if possible] Visa has launched exclusive offers such as first-time binding bonuses and transportation perks， covering travel abroad and overseas living scenarios。 Cardholders can visit the Visa “V Select” WeChat Mini Program for more information on benefits。
Chinese residents’ enthusiasm for outbound travel remains strong， with major travel platforms reporting a continued rise in bookings for overseas trips。 Chinese tourists are expanding their exploration to a broader range of destinations worldwide。 Looking ahead， China CITIC Bank will continue to strengthen partnerships with global players， expand overseas spending scenarios， and drive innovation in digital finance。 By enhancing service efficiency and quality， we aim to deliver a more convenient， secure， and personalized payment experience for our users。
For more information on Apple Pay， visit： www.apple.com/cn/apple-pay/
For more information on China CITIC Bank Credit Card， please visit the China CITIC Bank app or Dongka app
For more information on Visa， please visit： www.visa.cn
