So, let me make sure I have this.

I have downloaded and installed AliPay. I can add a bankcard, or I can buy a travel pass from the bank of Shanghai.

I have successfully added my Capital One 360 Debit Card, (MasterCard - no foreign transaction fees).

So, I am good, I guess?

* Whats the advantage to the "travel pass" - do I need it, or can I just use my Debit Card ?
* Can I add a "real" credit card, I am worried about Cash Advance fees, not foreign transaction fees.
* Does it matter what card ? AMEX / Discover / Visa / MC ?

And, the way I use this? I just open the App, tpa Pay, they scan my QR code, and I am good to go ?
Seems legit to me .

(this may exist in another thread, but if not, we should start an "Alipay in China for Americans" WikiPost.