实测Apple Pay绑Visa卡：这类卡可能受影响！

21世纪经济报道01-16

21世纪经济报道记者杨梦雪 1月15日Apple Pay开放绑定Visa卡之后，记者实测Apple Pay绑卡流程，发现此前已经绑定过的Visa、银联双标识卡失效，需重新进行绑定。重新绑定时，双标识卡可按需选择开通Visa、银联。全部开通后，在Apple Pay中显示为两张卡，分别对应银联和Visa。在实际使用时，用户可根据自己的需要选择使用银联或Visa。其中Visa仅可在境外有Visa...

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Pay绑卡流程，发现此前已经绑定过的Visa、银联双标识卡失效，需重新进行绑定。重新绑定时，双标识卡可按需选择开通Visa、银联。全部开通后，在Apple Pay中显示为两张卡，分别对应银联和Visa。\n\n\n在实际使用时，用户可根据自己的需要选择使用银联或Visa。其中Visa仅可在境外有Visa...</p>\n\n<a href=\"https://finance.sina.com.cn/roll/2026-01-16/doc-inhhpfkp2457886.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU2023250504.SGD","symbol_name":"Allianz Thematica Cl AMg DIS H2-SGD","start_time":0,"source_url":"https://finance.sina.com.cn/roll/2026-01-16/doc-inhhpfkp2457886.shtml","article_id":"2603799373","we_media_id":null,"thumbnails":[],"rights":{"source":"sina","url":"https://finance.sina.com.cn/roll/2026-01-16/doc-inhhpfkp2457886.shtml","rn_cache_url":null,"customStyle":"body{padding-top:10px;}.art_tit_h1{#titleStyle#}a{#lv2TextColor#}.art_time, .art_cite{#sourceStyle#;} .art_cite{margin-left: 3px;}","selectors":".module-article, article","filters":"header, .voice2, .tags, #norm_qrcode_link_auto, .unfold-box, 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Pay中显示为两张卡，分别对应银联和Visa。\n\n\n在实际使用时，用户可根据自己的需要选择使用银联或Visa。其中Visa仅可在境外有Visa标志的商户使用，银联在境内或境外有银联标志的商户均可使用。\n\n\n　　记者就此向Apple客服咨询，客服表示，这个功能主要是为了区别不同卡组织的卡片才推出的。如果此前绑定过一个双标的旧卡可能会出现此类问题，需要重新绑定。重新绑定后，用户在用卡体验上与此前没有区别。正常情况下，付款时会自动切换为当前可用的卡片，少数识别不出来的情况需要用户手动选择。\n　　双标识卡诞生于2002年前后，是一种由银联与境外卡组织联合发行的银行卡，最常见的组合是“银联+Visa”或“银联+MasterCard”。业内人士将这类卡片视为中国银行卡清算市场未开放时期的过渡产物，主要用于解决当时银联卡境外使用和境外卡境内清算的矛盾。\n　　资深信用卡专家董峥向记者介绍，双标卡实际上是两张卡的合二为一，在中国境内使用的是银联通道，在境外可以使用Visa通道也可以使用银联通道。但双标卡是特殊环境特殊场景下的历史产物，新卡陆续不再发行。随着卡组织开放的启动，境外卡组织可以在境内拿牌照，双标卡也不再有新的市场，但存量双标卡仍然可以存续和使用。\n　　Apple Pay开放绑定Visa卡的消息一出，众多有境外消费需求的用户第一时间“尝鲜”。董峥表示，Apple Pay的非接触用卡方式其实是更方便和安全的，这种“卡不离手”的方式能一定程度上避免卡片被盗刷的风险。与此同时，卡片绑定在手机里也更加方便，之后出境游也可以少带一些卡片，只需带一两张应付极少数不受理情况等即可。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：李琳琳","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; 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