In China, the default channel is UnionPay. If it is overseas and both channels of merchant pos machines are supported, it depends on the cardholder's choice. Take the UnionPay channel, enter the account in RMB and repay directly. If you take the VISA or Master channel and enter it in US dollars, the repayment generally requires the cardholder to purchase foreign exchange for repayment. If it is Haitao, most of them still need to use VISA or Master channels.