1. You cannot scan your friend’s payment code to pay with a China Merchants Credit Card. Because credit cards don’t have this feature.
2. Merchants Credit Card can be bundled with payment tools such as Alipay or WeChat, and then scan the QR code to make purchases (but the store must open a credit card for collection).
After passing real-name verification on WeChat and Alipay, you can bind your credit card.
3. Even if the China Merchants Credit Card is bundled with Alipay or WeChat, funds cannot be transferred. Because neither WeChat nor Alipay supports credit card transfer