My card's chip is glitchy so I cannot try its PBOC feature now. I will do it once I get a replacement mailed from CN.

Just some more info, as for the QuickPass I used to try the e-cash feature in a Chinese McDonald. Although I had enough e-cash in my card, the amount was still deducted from my CCB checking account. The bank later told me the POS will always try an online transaction first. I suppose the e-cash feature is more reserved for QuickPass-based public transit cards (such as China T-Union).

I don't know situations about UP but I used to have name issues with my China-issued Visa card. On that card, my name is the pinyin of LN-FN with spaces between Chinese characters, instead of FN-LN. On some American online shopping websites, I need to reverse FN and LN otherwise the transaction would be declined.