Alipay in Hong Kong is very powerful. As long as the merchants in the mainland support Alipay, you can use Alipay HK to make US credit card purchases (except for some payment modes). Other types that cannot be swiped: street vendors (no merchant registration, this type can only use Huabei consumption) P2P (can only use debit cards or account balances). Of course, now mainland Alipay + international credit cards are also quite powerful. In comparison, Alipay in Hong Kong is a little looser in risk control, unlike Alipay in the mainland, which has some strange risk controls from time to time, resulting in unusable. So if you have the conditions, you can also open an Ailipay HK as a backup.