Visa/MasterCard credit card, or bind your own PayPal account, you can directly add Alipay to the payment method list of the Microsoft account Hong Kong server.
You only need to have an Alipay account logged in with a mobile phone number or email address in mainland China, and you can pay for purchases at the Hong Kong Xbox and Windows 10 stores by directly debiting your RMB account.
This time Alipay is not only added to Xbox, but also systematically integrated into Microsoft Hong Kong’s store payment system. After the redstone "RedStone" update starting last year, the Xbox Store and Windows App Store were gradually merged into a unified Microsoft Store. Therefore, from now on, both Xbox and PC players can go to the Hong Kong Microsoft Online Store to purchase Xbox/PC games and software.