为进一步提升城市轨道交通乘客的支付便利，优化境内外旅客的出行体验，上海地铁积极响应国务院《关于进一步优化支付服务，提升支付便利性的意见》的要求，持续提升为乘客服务的能力。6月28日，上海地铁全线网实现了包括中国银联芯片卡、国际信用卡（包括维萨Visa、万事达MasterCard、美国运通American express、日本信用局JCB）和数字人民币在内的各类银行卡闪付及数字人民币硬钱包的直接刷卡进出站功能。

    当前，上海城市轨道交通运营总里程已达896 km，涵盖21条线路、517座车站，工作日日均客运量约为1 200万人次，承担着全市77%以上的公共交通出行任务。此次新支付功能的全面落地，将显著提升入境旅客的出行便利性，使其能够“一卡畅行”直达大城市的文旅商体展目的地。这一举措不仅进一步完善了城市公共交通服务体系，更为优化本市营商环境、方便国际旅客、激发城市活力提供了有力支撑。

    本次支付系统升级在行业里有两大突破：一是实现全制式兼容，在地铁、市域铁路、磁浮交通等不同制式线路上同步部署，闸机同时支持银联、国际卡组织和数字人民币三大标准，交易速度控制在半秒之内，实现拍卡过闸，即拍即走；二是考虑到上海城市轨道交通潮汐集中客流的特点，采用了异步预授权的“宽进严出”模式，在确保金融支付安全性的同时，显著提高了刷卡进站的效率。这一成果凝聚着各方智慧，在短短3个月时间里，上海地铁联合银联、交通银行、四大国际卡组织及产业链伙伴，完成了3 000余项测试验证，覆盖全网500多座车站、13 000多台设备终端，攻克了兼容性、安全性等关键技术难题，创造了上海地铁票务系统升级的新纪录。

    此次银行卡闪付及数字人民币硬钱包过闸的推广应用，标志着上海地铁在推动智慧交通建设、优化国际化支付环境方面迈出了重要一步，不仅是交通基础设施服务能级的跃升，更是支付方式多元化、数字人民币场景深化、用户体验智能化在轨道交通领域的全新尝试。未来，上海地铁将进一步推进金融科技与支付便利相结合的技术路线，让境内外乘客享受美好的出行体验，助力上海加快建成具有世界影响力的社会主义现代化国际大都市。

    To further enhance the payment convenience for urban rail transit passengers and optimize the travel experience for both domestic and international travelers, Shanghai Metro has actively responded to the requirements put forward in the Opinions on Further Optimizing Payment Services and Improving Payment Convenience by State Council, continuously leveling up passenger service capabilities. On June 28, Shanghai Metro achieved full network implementation of contactless payment by various types of bank cards such as China UnionPay chip cards, international credit cards (including Visa, MasterCard, American Express, and Japan Credit Bureau—JCB) and digital RMB, as well as entry/exit with quick pass by digital RMB hard wallet.

    Currently, the total operating mileage of Shanghai urban rail transit system has reached 896 km, encompassing 21 lines and 517 stations, with an average weekday passenger volume of approximately 12 million, shouldering over 77% of the city′s total public transportation traffic. The rollout of this new payment function will significantly improve the travel convenience for inbound passengers, enabling them to reach major urban destinations for cultural, tourism, commercial, sporting, and exhibition activities with a single card. This initiative not only enhances the city′s public transportation service system but also strongly supports the optimization of the business environment, facilitates international visitors, and energizes urban vitality.

    This payment system upgrade marks two major breakthroughs in the industry: One is the full compatibility across all transit modes, meaning that the system is simultaneously deployed across different transit formats—including metro, city railway, and maglev lines—with gates supporting the three major standards of UnionPay, international card organizations, and digital RMB, and transaction speed is controlled within half a second, enabling seamless tap-and-go access; the other is an asynchronous pre-authorization ′loose entry, strict exit′ model for peak traffic conditions in response to the tide-like passenger flow concentration patterns in Shanghai urban rail transit, not only ensuring financial transaction security but also significantly improving the efficiency of card-based entry. This achievement reflects the collective efforts and expertise of all stakeholders. Within just three months, Shanghai Metro collaborated with UnionPay, Bank of Communications, four major international card organizations, and partners along industrial chains to complete over 3 000 tests across more than 500 stations and 13 000 terminal devices throughout the network. Key technical challenges related to compatibility and security were successfully overcome, setting a record for ticketing system upgrades in Shanghai Metro.

    The promotion and application of contactless bank card payments and digital RMB hard wallets for gate access mark a significant step forward in Shanghai Metro′s efforts to build smart transportation and optimize its international payment environment. This initiative represents not only an upgrade in the service capacity of transportation infrastructure but also a bold exploration in diversifying payment methods, deepening digital RMB integration with payment scenarios, and enhancing intelligent user experiences in the rail transit sector. Looking ahead, Shanghai Metro will continue the advancement along the technical route of integrating financial technology and payment convenience, allowing both domestic and international passengers to enjoy a superior travel experience, and contributing to Shanghai′s accelerated development towards becoming a globally influential and modern socialist international metropolis.