I've received my first two MC rejections from wx pay during the past two days. The first one was from a service like Dianping (can't recall the exact name) at 天萃庭, where I paid 95*2 get a Y200 voucher (I normally don't play that game, but the waitress was kind of insistent); I was able to pay the balance of the bill with MC (via wx) without issue, though. The second one was an Eleme purchase at Casa Daily Shop. In both cases, there was an added verification step by a company called EMV 3DS Cloud. This certainly isn't the end of the world, but I wanted to give you guys a heads up.