在数字支付持续演进的浪潮中，一个值得思考的命题是：支付工具的价值，究竟应如何衡量？或许，答 案不仅在于技术的迭代速度，更在于其能否真正理解并服务于人的真实需求——跨越场景的阻隔，包容 多样的选择，并最终融入生活的脉络。 伴随着中国数字经济的澎湃步伐，在产业各方、合作伙伴与亿万用户的共同参与、塑造与检验下，银联 手机Pay的实践与演进，为我们理解当代支付工具如何从一项功能进化为一种服务生态，提供了一个真 切的观察窗口。 繁荣共生的合作伙伴生态：构建开放包容的技术底座 科技发展的终极目标是普惠。在移动支付领域，普惠意味着尊重市场上所有品牌与机型的用户，保障他 们平等享受前沿支付科技的权利。 2026年1月9日，银联国际与三星电子将基于"卡码合一"手机Pay方案推出联合支付服务。合作落地后， 境外居民在三星手机上绑定银联卡，即可灵活选择使用手机NFC支付或二维码支付。不止三星，银联手 机Pay始终坚持"生态中立"与"广泛兼容"的开放策略，与华为、vivo、OPPO、小米、魅族等国内外主流 安卓手机厂商均建立了深度合作关系。这意味着，中国市场上绝大多数安卓智能手机用户，在拿起手机 的那一刻，就已经拥有了使用银联手机P ...

Core Viewpoint - The launch of the "Cross-Border QR Code Unified Gateway" aims to enhance the efficiency of cross-border payments and improve the payment experience for foreign users in China [2][6]. Group 1: Institutional Responses - Multiple payment institutions, including Tencent and Ant Group, have quickly responded to the People's Bank of China's announcement by implementing measures to support the new gateway [1][3]. - Tencent plans to open its WeChat Pay service to more foreign wallets, allowing them to make payments in China using QR codes [3][9]. - Ant Group's Alipay supports seven major international card brands and 31 electronic wallets from 12 countries and regions for use in China [4][5]. Group 2: Technical and Operational Benefits - The unified gateway addresses the complexities of cross-border payment integration, allowing foreign wallets to connect with multiple domestic payment institutions through a single interface [6][7]. - It reduces costs and improves efficiency by standardizing the integration process, thus enhancing the overall user experience for foreign visitors [7][10]. - The system allows foreign users to use their existing wallet apps without needing to register or switch payment methods frequently [7][8]. Group 3: Future Developments and Ecosystem - The unified gateway is expected to expand its network of participating institutions and enhance cross-border payment interoperability [11][12]. - The People's Bank of China aims to create a more open and inclusive payment ecosystem, supporting the internationalization of the RMB and facilitating Chinese financial services abroad [12]. - Institutions are encouraged to embrace an open ecosystem, enhance compliance risk management, and invest in technological innovation to improve competitive advantages [12].