Complete Guide to Payment in China for Overseas Travelers

China is one of the most convenient places in the world when it comes to digital payments. With a little preparation, you can pay like a local - quickly and seamlessly. This guide explains all major payment methods and how travelers can use them.

Alipay

Overview: China's largest third-party payment platform, widely accepted everywhere.

Where You Can Use Alipay:

• Most shops, restaurants, supermarkets, and convenience stores

• Taxis and ride-hailing apps (Didi)

• Online shopping (Taobao, Tmall)

• Attraction tickets

• Metro/bus in some cities

How to Register Alipay (for foreign visitors):

1. Download the Alipay International Version app

2. Sign up with an overseas phone number or email

3. Link your Visa/MasterCard through the Tour Pass feature

4. Preload a small amount of money (no Chinese bank card needed)

5. Complete identity verification using your passport

Tip: Alipay is generally the easiest mobile payment method for travelers.

WeChat Pay

Overview: A payment function built into WeChat, China's most popular social app.

Where You Can Use WeChat Pay:

• Similar coverage as Alipay

• Very popular with small vendors and street stalls

• Peer-to-peer transfers and sending "red envelopes"

• Mini-program purchases (food delivery, tickets, etc.)

How to Register WeChat Pay:

1. Download WeChat and create an account

2. Go to Me > Services > Wallet

3. Add an international credit card

4. Since 2023, overseas cards can be used directly (some merchants may still have limits)

Cash

Current Status: Still accepted, but used less frequently as China becomes more cashless.

Best Uses:

• Traditional markets, small stalls

• Family-run guesthouses

• Temple donations

• Rural areas

• Backup for when QR payments fail

Tips:

• Carry small notes (1, 5, 10, 20 RMB)

• Some small shops may not have enough change for 100 RMB notes

• Exchange some RMB before departure

Bank Cards

International Credit Cards

Where the Bank Cards Work:

• High-end hotels

• Large malls

• International chain stores

Notes:

• Visa & MasterCard accepted most widely

• Amex acceptance is limited

• Inform your bank before traveling

• Expect 1–3% foreign transaction fees

• Use chip cards - magnetic stripe cards may not work

UnionPay (银联)

China's domestic card network with the widest acceptance.
If you already have a UnionPay card, it's the most reliable option besides cash.

Transportation Cards

Major city transit cards: Beijing Yikatong, Shanghai Public Transportation Card, Guangzhou Yangchengtong, etc.

Advantages of Transportion Cards:

• Fast and easy metro/bus access

• Some cities allow small purchases in convenience stores

Where to Buy:

• Metro station service counters

Safety Tips

• Set a strong password for mobile payments

• Disable or limit password-free small payments

• Avoid using public Wi-Fi for transactions

• Always carry a backup payment method

• Save emergency contact numbers for your bank and payment apps

Recommended Setup

Short-term visitors (1–2 weeks):

• Main: Alipay with international credit card

• Backup: Small amount of cash + your international credit card

Long stays (1 month+):

• Open a local Chinese bank account (passport, visa &  accommodation proof required)

• Link Alipay and WeChat to your Chinese bank card

• Keep an international card for emergencies

Common Issues & Solutions

• Merchant refuses cash: This is not allowed - cash must be accepted.

• Cannot scan QR codes: Switch networks; a Chinese SIM card helps.

• Card declined: Ask which card brands are accepted, or try another method.

• Need cash urgently: Use hotel exchange services or bank ATMs (UnionPay ATMs have lower fees).

Cultural Notes

• Payments in China are extremely fast - open your QR code in advance.

• "扫一扫 (sǎo yí sǎo)" means "scan the QR code."

• Red symbolizes luck - you'll see many red themes in payment apps.

• During Chinese New Year, digital "red envelopes" on WeChat become very popular - try sending one!

Final Advice

China is moving rapidly toward a cashless society. For travelers, the best strategy is a mix of Alipay, a credit card, and some cash. With a little preparation, you'll enjoy smooth, hassle-free payments throughout your trip.