随着跨境数字消费场景的日益普及，更需强化安全意识。使用移动支付前，请确认所用APP（如支付 宝、微信支付及其港澳本地钱包版本）在当地的适用场景和权限。自2025年7月底起，由中国人民银行 指导建设的"跨境二维码统一网关"已投入运行，支持AlipayHK、微信香港钱包、MPay澳门钱包等境外 电子钱包在内地数百万商户直接扫码支付，汇率结算透明、体验更为顺畅。同时，要严防个人信息泄露 与诈骗。 省消委会表示，粤港澳三地均已建立成熟的优质商家认证体系，消费者可针对性选择提升消费保障。在 香港，可认准"Q唛"优质标志的产品或商家，获取权威认证的优质商品与服务。在澳门，可通过"澳门 诚信店"小程序查询诚信商户，选购合规优质商品并享受完善售后。 一旦发生消费纠纷，消费者务必保持冷静理性，可先与商家友好协商，若协商不成，可向政府相关职能 部门或消费者协会投诉。在广东，可拨打当地12345热线或通过粤省心平台向行政部门投诉，通过"广东 消委会"微信公众号或广东消费投诉咨询信息化综合平台(粤港澳大湾区消费投诉转办平台)向消费者组 织投诉；在香港，可以拨打香港消委会投诉电话（852）29292222，或通过香港消委会官网在线投诉 ...

Core Insights - Shenzhen is enhancing its international business environment by developing a comprehensive payment infrastructure that integrates various payment methods and services to boost its global competitiveness [1] Group 1: Payment Infrastructure Upgrades - Shenzhen has established five one-stop service centers for foreign visitors at key transportation hubs, providing 24-hour services that integrate payment, tourism, communication, transportation, and immigration [2] - The city has achieved a 100% acceptance rate for foreign cards at Shenzhen Airport, with nearly 90% acceptance for digital currencies, and has distributed over 100,000 multilingual payment guides [2][3] Group 2: Consumer Spending Trends - In the first half of 2025, foreign visitors to Shenzhen made 85.88 million transactions totaling 11.81 billion yuan, marking a year-on-year increase of 29% and 35% respectively [3] - Hong Kong residents accounted for 58.66 million transactions worth 7.04 billion yuan, with year-on-year growth of 22% and 25% [3] Group 3: Innovative Payment Solutions - Shenzhen has introduced a new "immediate refund" tax refund service at shopping locations, allowing consumers to receive tax refunds instantly at the point of sale, significantly improving efficiency [4] - The city has expanded payment options in public transport, integrating various payment methods including digital wallets and cross-border payment solutions [4] Group 4: Cross-Border Payment Innovations - The launch of the "Cross-Border Payment Pass" facilitates seamless cross-border transactions between Shenzhen and Hong Kong, allowing users to transfer funds easily via mobile banking [5] - The number of transactions and amounts processed through the cross-border payment system increased by 91.9% and 64.9% respectively in the first half of 2025 [5]