You can get top up for wechatpay from Yayaka website. Buy whatever amount you need. In order to activate China wallet, yayaka support will help you by sending 1 cent yuan to u via wechat. However it requires you to install Wechat for windows, on your PC, to accept the 1 cent. It's a workaround. Once your wallet is activated you can logout from PC and on your phone wechat app, you will see a new item to switch wallet region... then you can also add your Malaysia credit card. Then Yayaka support will send you the QR codes for u to transfer/topup yuan into your China wallet. Don't rely on credit card although linked already. Try to ensure you have Cash balance in case your credit card transaction doesn't work with certain transactions.