This is where Alipay charges your card direct for each purchase, isn't it? But what about loading money onto the Tourpass, or whatever it's called. That sounds more like a cash advance to me.
I've never used that, so I wouldn't know.
But looking at those Didi charges just highlights the yawning gap between how cheap Didi is and how expensive Uber costs in the US. For the same distance it would be 5X, plus tip...