[dewey]

That article is from 2023, things changed a lot in the past years. I just clicked on "Top up balance" (while being located in China) and it says "Please add a debit card issued by a Chinese Mainland bank to use the top-up function".

[decimalenough]

If you have a foreign credit card, there's no need to maintain a balance at all, transactions are passed through directly.

And yes, of course there are limits on what you can do as a visitor, but for normal touristy stuff it's quite sufficient.