Expat Playbook 2026-08-15 The 2026 Foreign Executive China Fintech Protocol: Foreign Card Alipay Traps & Digital Border Realities Field-tested in Shenzhen & Shanghai: where the 3% foreign-card surcharge hits, where passport KYC stalls, and why eSIM roaming changes compliance. VERIFIED · Field Tested in Shenzhen & Shanghai (Feb 2026) #Alipay#WeChat Pay#Payments#eSIM#Compliance