China Payment Guide

China Payment Guide: How to Pay in China as a Foreign Tourist
China Payment Guide: How to Pay in China as a Foreign Tourist
Planning a trip to China? One of the first things you'll want to prepare is how to pay for your everyday expenses. From ordering a cup of coffee in Shanghai and shopping in Beijing's bustling commercial streets to taking a high-speed train across the country, payments in China are increasingly cashless and mobile-driven. Unlike many Western countries, where Visa and Mastercard are commonly used for everyday purchases, China relies heavily on QR-code payments through mobile applications. The good news is that China's payment system has become much more foreigner-friendly. International visitors can now link overseas bank cards to popular Chinese payment apps, use certain international e-wallets directly, and pay with cash or physical bank cards in many places. Whether you're visiting China for a week-long holiday, embarking on a multi-city adventure, or staying for an extended period, this guide explains everything you need to know about paying in China, including the best payment apps, how to set them up, where to exchange money, and practical tips for hassle-free transactions. 1. Understanding China's Payment System China has rapidly evolved into one of the world's most advanced cashless societies. Mobile payments are deeply integrated into everyday life, and QR codes can be found almost everywhere, from luxury shopping malls and international hotels to neighborhood restaurants, street-food stalls, taxis, and small convenience stores. For international visitors, there are four main ways to pay in mainland China: Payment Method Availability Best For Mobile payments (Alipay and WeChat Pay) Very widely available Restaurants, shopping, transportation, attractions and daily purchases International bank cards Increasingly accepted, depending on the merchant Hotels, shopping malls, major attractions and larger purchases Cash (Chinese Yuan/RMB) Accepted for ordinary in-person transactions Small shops, local markets, street vendors and backup payments International e-wallets Available at participating merchants Visitors whose home-country wallets are supported in China Among these options, mobile payment is generally the most convenient choice for everyday spending. Nevertheless, carrying a physical bank card and some Chinese Yuan in cash is strongly recommended. A useful tip: You don't need to open a Chinese bank account to enjoy most everyday payment services as a tourist. You can link an eligible international bank card to Alipay or WeChat Pay and use it to make QR-code payments. 2. Best Payment Apps for Foreigners in China Mobile payment is the easiest way to handle most daily transactions in China. The three major options for international visitors are Alipay, WeChat Pay and the UnionPay App. 2.1 Alipay – The Most Convenient Choice for International Tourists Alipay is one of China's leading mobile payment platforms and an excellent starting point for foreign visitors. Its international-user-friendly functions, English interface and support for overseas bank cards make it particularly convenient for tourists. You can use Alipay to pay at restaurants, supermarkets, shopping malls, convenience stores, hotels and many local shops. It also provides access to transportation services, taxi booking, food delivery, attraction tickets and other useful travel functions. How to Set Up Alipay: Download Alipay from the Apple App Store or Google Play Store. Open the app and register using your international mobile phone number. Complete SMS verification. Go to "Me" → "Bank Cards" → "Add Card." Enter your eligible international credit or debit card details. Follow the instructions to complete any required identity verification, which may involve submitting your passport information. Once your card is successfully linked, you can start making payments without having to deposit money into a Chinese bank account. How to Pay with Alipay: There are two common ways to make payments: Scan the merchant's QR code: Open Alipay, tap "Scan," and scan the merchant's payment QR code. Enter the amount if requested, then confirm the transaction. Show your payment QR code: Tap "Pay/Receive" on the homepage and display your payment code. The cashier scans it to complete the transaction. Alipay also offers a useful "Transport" function. After selecting the city and activating the relevant transportation service, you can obtain a dedicated QR code for taking buses or the metro in participating cities. 2.2 WeChat Pay – Convenient for Everyday Life in China WeChat is much more than a messaging application. It is one of China's most widely used all-in-one digital platforms, combining messaging, social networking, shopping, transportation, restaurant services and mobile payments. Its integrated payment service, WeChat Pay (also known as Weixin Pay), is widely accepted by merchants throughout mainland China. For international tourists, WeChat Pay offers the convenience of linking eligible overseas bank cards. Supported international card networks include Visa, Mastercard, American Express, JCB, Discover and Diners Club, subject to card issuer and account eligibility. How to Set Up WeChat Pay: Download or update WeChat from your app store. Register or log in using your international mobile phone number. Open "Me" → "Services" → "Wallet" → "Bank Cards." Select "Add a Bank Card." Enter your international bank card information. Complete the required identity verification and follow the on-screen instructions. After successful activation, you can use WeChat Pay to make payments at participating merchants. How to Pay with WeChat Pay: Just like Alipay, WeChat Pay supports two QR-code payment methods: Scan the merchant's QR code using the "Scan" function. Open "Pay and Services" or the payment-code function and let the cashier scan your payment code. One additional advantage of WeChat is its extensive mini-program ecosystem. Many restaurants, coffee shops, hotels and travel-service providers have their own mini-programs, allowing customers to browse menus, place orders, book services and pay without downloading separate applications. Alipay or WeChat Pay: Which Should You Choose? Both are excellent choices, and their acceptance overlaps considerably. Alipay is often a straightforward starting point for international tourists, while WeChat is especially useful for communicating with local businesses and accessing mini-program services. Our recommendation is to prepare both if possible, but make sure at least one is successfully activated before your trip. 2.3 UnionPay App – Another Useful Payment Option UnionPay is China's major bank-card payment network. Its mobile application, the UnionPay App, also provides QR-code payment services for international visitors. Depending on your country or region, you may be able to register with an overseas mobile number, add an eligible bank card, complete identity verification and activate mobile payments. The app also offers an electronic money card option, known as the E-Money Card, which can be topped up for everyday purchases where supported. For travelers who want an additional payment option beyond Alipay and WeChat Pay, UnionPay is worth considering. However, registration, card eligibility and available functions vary by market and issuing bank. 3. Can Foreign Bank Cards Be Used Directly in China? Yes! International bank cards are becoming increasingly convenient to use in China, particularly at major tourist attractions, international hotels, large shopping malls, airports and established retail businesses. Commonly supported international card networks include: Visa Mastercard American Express JCB Discover Diners Club International UnionPay However, acceptance depends on the individual merchant, its payment terminal and the card issuer. Smaller local restaurants, independent shops and street vendors may not have international card facilities. Where Can You Use International Bank Cards? Places Card Acceptance International hotels Generally good Major shopping malls Generally good at participating stores Airports Widely available at major facilities Major tourist attractions Increasingly available International restaurant chains Often available Local restaurants and small shops Varies considerably Street-food stalls and traditional markets Often limited If you plan to pay directly with your physical bank card, look for the corresponding Visa, Mastercard or other card-network logo at the checkout counter. It is always a good idea to ask the cashier before making a purchase. An Important Alternative: Link Your International Card to a Chinese Payment App Even if a shop does not accept your physical overseas bank card, it may accept Alipay or WeChat Pay. By linking your eligible international card to one of these applications, you can use your overseas card as the funding source for QR-code payments. For overseas visitors using international bank cards linked to Alipay or Weixin Pay, the regulatory maximum is US$5,000 per transaction and US$50,000 per year. Actual limits may be lower depending on the payment platform, card issuer and verification status. 4. Can You Pay with Cash in China? Absolutely! Although mobile payments dominate everyday transactions, cash remains an important payment option in China. The official currency is the Renminbi (RMB), commonly referred to as the Chinese Yuan (CNY). Its symbol is ¥, and commonly used banknotes include ¥1, ¥5, ¥10, ¥20, ¥50 and ¥100. Cash can be particularly useful when visiting traditional markets, small local shops, rural destinations or places where mobile payment services are temporarily unavailable. China has also been improving cash-payment services to ensure that businesses serving the public can accommodate customers who prefer to pay in cash. Ordinary in-person merchants are expected to accept legal-tender RMB cash. Where Can You Get Chinese Yuan? There are several convenient ways to obtain RMB: Before departure: Exchange some money at your local bank or an authorized currency exchange provider. At the airport: Currency exchange counters and self-service exchange machines are available at major international airports. At banks in China: Commercial banks, including Bank of China, ICBC and China Construction Bank, provide foreign currency exchange services at designated branches. At ATMs: Withdraw RMB directly using an international bank card at ATMs displaying the corresponding card-network logo. How Much Cash Should You Bring? You don't need to carry a large amount of cash if you have successfully activated a mobile payment app. For most tourists, keeping around ¥300–¥800 in cash as an emergency backup is a reasonable starting point. You can adjust this amount depending on your travel style, destinations and shopping plans. It is also useful to carry smaller banknotes, especially ¥10, ¥20 and ¥50 notes, for small purchases and situations where change is needed. 5. Other Payment Options: International E-Wallets and Digital Yuan Apart from China's major payment applications, international visitors can also explore several alternative payment services. 5.1 Use Your Home-Country E-Wallet in China Good news for travelers who already use mobile payment applications in their home countries: you may not need to download another payment app! Through Alipay+ and UnionPay-powered payment networks, a growing number of overseas e-wallets can be used directly at participating merchants in mainland China. Supported services include: Country/Region Supported E-Wallets Hong Kong SAR AlipayHK, WeChat Pay HK Macau SAR MPay Singapore Changi Pay, OCBC Malaysia Touch 'n Go eWallet Thailand TrueMoney South Korea Kakao Pay, Naver Pay, Toss Pay Philippines GCash Mongolia HiPay Kazakhstan Kaspi Pakistan NayaPay The supported list may expand, and availability depends on the specific payment network and merchant. How Does It Work? Check whether your existing e-wallet supports payments in mainland China. Open your wallet and look for its international or overseas payment function. Scan the merchant's QR code or display your payment code, depending on the supported payment method. Confirm the transaction in your home-country application. This is especially convenient for visitors who prefer to use a familiar payment application rather than register for a new account. 5.2 E-CNY – China's Digital Yuan E-CNY, also known as the digital yuan, is China's official central-bank digital currency issued by the People's Bank of China. Unlike Alipay and WeChat Pay, which are payment platforms, E-CNY represents a digital form of China's national currency. International visitors can access E-CNY services through the official e-CNY application, subject to regional availability and account requirements. The general process is: Download the official e-CNY application. Register using an eligible international mobile phone number. Open an available digital wallet. Link an eligible international bank card, such as Visa or Mastercard, where supported. Follow the instructions to top up your digital wallet and make QR-code payments. E-CNY is an interesting alternative for visitors who want to experience China's digital currency system. However, it is not necessary for an ordinary tourist trip, as Alipay and WeChat Pay are generally more practical for everyday spending. 6. How to Pay for Transportation, Hotels, Restaurants and Attractions One of the biggest advantages of China's digital payment system is its integration into everyday travel services. From airport transfers to sightseeing and shopping, mobile payments can make your journey much easier. 6.1 Taking the Metro and Buses Public transportation in major Chinese cities is generally convenient and affordable. In many cities, you can use Alipay's "Transport" function to obtain a QR code for metro and bus services. Select the city you are visiting, activate the relevant transportation service and follow the instructions to complete any required verification. At participating stations and buses, simply scan your transportation QR code when entering or boarding. Some systems also require scanning when exiting. Other payment options include purchasing single-journey tickets using cash or eligible bank cards, or buying a transportation card at designated service counters. Special Tip for Beijing: Beijing has introduced direct contactless fare payments using overseas-issued Visa and Mastercard cards on its urban rail network. This means eligible travelers can use their physical bank cards at supported fare gates without first purchasing a ticket or setting up a local transportation QR code. Always check the payment instructions displayed at the station, as transportation payment arrangements differ between cities. 6.2 Taking Taxis and Ride-Hailing Services Ride-hailing applications are widely used in China. Didi Greater China is one of the most popular choices, and international visitors can register using overseas mobile phone numbers and eligible international bank cards. You can also access taxi-booking services through Alipay and WeChat. The general process is simple: Open Didi or a supported ride-hailing service. Enter your pickup location and destination. Choose your preferred vehicle category. Confirm your booking. Pay through the supported payment method in the app. For travelers who prefer to arrange airport transfers in advance, international travel platforms such as Trip.com also offer airport shuttle and transfer booking services with international payment options. 6.3 Paying for Hotels Most established hotels in major Chinese cities offer several payment options, including Alipay, WeChat Pay, RMB cash and bank cards. International hotels and many four- and five-star properties generally have better international card acceptance. However, smaller boutique hotels, guesthouses and family-run accommodations may rely more heavily on mobile payments. If you intend to pay directly with Visa or Mastercard, confirm acceptance with the hotel before arrival. You can also book accommodation through international travel platforms such as Trip.com, which support international bank card payments and offer convenient booking services for overseas travelers. Remember to bring your passport or other valid identification documents for hotel registration. 6.4 Paying at Restaurants, Cafés and Street-Food Stalls Restaurants in China commonly use QR codes for ordering and payment. At many restaurants, you will find a QR code on the table. Scan it using Alipay or WeChat, browse the digital menu, place your order and pay directly through the app. Some restaurants still provide traditional printed menus and allow you to pay at the cashier. For small independent restaurants and street-food stalls, mobile payment is often the easiest option. Cash is a useful alternative if you encounter a merchant who cannot process your mobile payment. 6.5 Shopping and Visiting Tourist Attractions Shopping malls, department stores, international brands and major tourist attractions generally offer a wider selection of payment methods. Alipay and WeChat Pay are commonly accepted, while international bank cards are available at many larger establishments. For smaller souvenir shops, local markets and independent vendors, QR-code payments are often more convenient than physical bank cards. When purchasing entrance tickets to attractions, you can often book online through official websites, mini-programs or international travel platforms. If you prefer to purchase tickets at the entrance, check the available payment methods before joining the queue. 7. Payment Differences Between Mainland China and Hong Kong Although Hong Kong is part of China, it operates a separate currency and financial system. Payment habits and the availability of mobile wallets are also different. If your itinerary includes both mainland China and Hong Kong, it is important to prepare accordingly. Feature Mainland China Hong Kong Official currency Renminbi (RMB/CNY) Hong Kong Dollar (HKD) Most common payment methods Alipay, WeChat Pay, cash Octopus, cash, bank cards and mobile wallets International bank cards Accepted at participating merchants Widely accepted Public transportation City-specific QR codes, transport cards and bank cards Octopus, bank cards and other supported contactless methods Local mobile wallets Alipay, WeChat Pay, UnionPay AlipayHK, WeChat Pay HK and others Popular Payment Methods in Hong Kong: Octopus Card: One of the most convenient options for public transportation, convenience stores and many everyday purchases. Cash: Hong Kong dollars remain useful, particularly at traditional local restaurants and small shops. Visa and Mastercard: Widely accepted at shopping malls, hotels and established restaurants. AlipayHK and WeChat Pay HK: Popular local mobile payment options, with availability depending on the merchant and account. Please remember that RMB and HKD are different currencies. While some Hong Kong businesses may accept RMB, it is not the standard currency for everyday transactions. Similarly, HKD is not the standard payment currency in mainland China. If you are traveling from mainland China to Hong Kong, make sure you have access to Hong Kong dollars or a payment method accepted there. 8. Practical Tips for Hassle-Free Payments in China Preparing your payment arrangements before departure can save considerable time and prevent unnecessary inconvenience during your trip. Here are some useful tips for international visitors: 1. Set Up Your Payment Apps Before Arriving Download Alipay and WeChat in advance, register your accounts and try linking your international bank cards before departure. This gives you time to resolve any verification problems. 2. Make Sure Your Phone Can Receive SMS Messages You can generally register using an international mobile phone number, so a Chinese SIM card is not essential for payment-app registration. However, make sure your number can receive verification messages. International roaming or an appropriate mobile service plan can help. 3. Prepare Reliable Mobile Internet Access Mobile payment requires internet connectivity. Consider purchasing a China eSIM, arranging international roaming or obtaining a local SIM card. A stable internet connection is particularly important when generating payment codes, booking transportation and using travel applications. 4. Bring a Physical Bank Card and Some RMB Cash Even if you plan to rely mainly on Alipay or WeChat Pay, always have alternative payment methods. A physical international bank card and a modest amount of cash can be extremely helpful if your phone runs out of battery, your internet connection fails or a payment application encounters a problem. 5. Check International Transaction Fees When linking an overseas bank card to a Chinese payment application, check the applicable service fees, transaction limits and exchange rates. Some payment products apply additional processing fees to transactions above a specified amount. Your home bank may also charge foreign transaction or currency-conversion fees. The exact charges vary by payment platform, card type and issuer, so check the terms displayed in the app before making larger purchases. 6. Keep Your Payment Apps Updated Make sure your payment applications are updated to their latest versions. This helps reduce compatibility problems and gives you access to the latest international-user functions. 7. Protect Your Payment Information Use a secure phone lock, keep your payment password private and avoid scanning unfamiliar QR codes. Always verify the merchant's name and payment amount before confirming a transaction. 8. Save Your Hotel Address in Chinese Although this is not directly related to payment, saving your hotel's Chinese address on your phone is extremely useful when taking taxis or asking local people for directions. 9. Frequently Asked Questions About Paying in China Q1: Can foreigners use Alipay and WeChat Pay in China? Yes. Both Alipay and WeChat Pay support eligible international visitors. You can generally register using an overseas mobile phone number and link a supported international bank card. Additional identity verification may be required. Q2: Do I need a Chinese bank account to use Alipay or WeChat Pay? No. For ordinary purchases, international visitors can link eligible overseas bank cards directly to the payment applications. A Chinese bank account is not necessary for this basic payment function. Q3: Can I use Visa or Mastercard directly in China? Yes, at participating merchants. International cards are increasingly accepted at hotels, airports, shopping malls, major tourist attractions and larger businesses. However, smaller shops and local restaurants may not accept them directly. Q4: Is cash still accepted in China? Yes. RMB cash remains legal tender and an important payment option. Ordinary in-person businesses are expected to accommodate cash payments, although it is advisable to carry smaller banknotes. Q5: Is Alipay better than WeChat Pay for tourists? Both are useful. Alipay is a convenient starting point for international tourists, while WeChat offers extensive messaging and mini-program functions. Preparing both provides greater flexibility. Q6: Can I use my country's mobile payment app in China? Possibly. Several overseas e-wallets, including Singapore's Changi Pay, Malaysia's Touch 'n Go eWallet, Thailand's TrueMoney and South Korea's Kakao Pay, support payments at participating Chinese merchants. Check your wallet's overseas payment settings before departure. Q7: What is the maximum amount foreigners can spend using international bank cards linked to Alipay or WeChat Pay? The regulatory maximum is US$5,000 per transaction and US$50,000 per year. Individual payment providers and card issuers may impose lower limits or additional verification requirements. Q8: Can I use Apple Pay in China? Apple Pay supports compatible bank cards and participating payment terminals, but international card compatibility and merchant acceptance vary. Do not assume that every contactless terminal will accept your overseas Apple Pay card. Alipay and WeChat Pay are generally more practical for everyday purchases. Q9: Can I use my international bank card to withdraw RMB from ATMs? Yes. You can withdraw Chinese Yuan from ATMs displaying your card's payment-network logo. Check your bank's overseas withdrawal fees, daily limits and exchange rates before withdrawing. Q10: What is the easiest way to pay in China as a tourist? For most international visitors, the simplest arrangement is to link an eligible international bank card to Alipay, install WeChat as an additional payment option, carry a physical bank card and keep some RMB cash for emergencies. 10. Final Thoughts: Get Ready to Explore China Without Payment Worries China's payment environment has become increasingly accessible to international visitors. Although QR-code payments remain at the heart of everyday transactions, improvements to international bank-card acceptance, overseas e-wallet integration and cash-payment services mean that traveling around China is now much easier than before. With Alipay or WeChat Pay set up on your phone, a physical bank card in your wallet and some Chinese Yuan as backup, you can confidently enjoy everything from bustling city streets and traditional local markets to remote mountain villages and spectacular cultural attractions. So, prepare your payment apps before departure, keep your phone connected and get ready to discover China. Whether you're savoring Peking duck in Beijing, exploring the ancient streets of Lijiang, cruising along the Huangpu River in Shanghai or admiring the breathtaking landscapes of Guilin, paying for your travel experiences should be the least of your worries. Welcome to China, and enjoy your journey!
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China Payment Guide: How to Pay in China as a Foreign Tourist
China Payment Guide: How to Pay in China as a Foreign Tourist
Planning a trip to China? One of the first things you'll want to prepare is how to pay for your everyday expenses. From ordering a cup of coffee in Shanghai and shopping in Beijing's bustling commercial streets to taking a high-speed train across the country, payments in China are increasingly cashless and mobile-driven. Unlike many Western countries, where Visa and Mastercard are commonly used for everyday purchases, China relies heavily on QR-code payments through mobile applications. The good news is that China's payment system has become much more foreigner-friendly. International visitors can now link overseas bank cards to popular Chinese payment apps, use certain international e-wallets directly, and pay with cash or physical bank cards in many places. Whether you're visiting China for a week-long holiday, embarking on a multi-city adventure, or staying for an extended period, this guide explains everything you need to know about paying in China, including the best payment apps, how to set them up, where to exchange money, and practical tips for hassle-free transactions. 1. Understanding China's Payment System China has rapidly evolved into one of the world's most advanced cashless societies. Mobile payments are deeply integrated into everyday life, and QR codes can be found almost everywhere, from luxury shopping malls and international hotels to neighborhood restaurants, street-food stalls, taxis, and small convenience stores. For international visitors, there are four main ways to pay in mainland China: Payment Method Availability Best For Mobile payments (Alipay and WeChat Pay) Very widely available Restaurants, shopping, transportation, attractions and daily purchases International bank cards Increasingly accepted, depending on the merchant Hotels, shopping malls, major attractions and larger purchases Cash (Chinese Yuan/RMB) Accepted for ordinary in-person transactions Small shops, local markets, street vendors and backup payments International e-wallets Available at participating merchants Visitors whose home-country wallets are supported in China Among these options, mobile payment is generally the most convenient choice for everyday spending. Nevertheless, carrying a physical bank card and some Chinese Yuan in cash is strongly recommended. A useful tip: You don't need to open a Chinese bank account to enjoy most everyday payment services as a tourist. You can link an eligible international bank card to Alipay or WeChat Pay and use it to make QR-code payments. 2. Best Payment Apps for Foreigners in China Mobile payment is the easiest way to handle most daily transactions in China. The three major options for international visitors are Alipay, WeChat Pay and the UnionPay App. 2.1 Alipay – The Most Convenient Choice for International Tourists Alipay is one of China's leading mobile payment platforms and an excellent starting point for foreign visitors. Its international-user-friendly functions, English interface and support for overseas bank cards make it particularly convenient for tourists. You can use Alipay to pay at restaurants, supermarkets, shopping malls, convenience stores, hotels and many local shops. It also provides access to transportation services, taxi booking, food delivery, attraction tickets and other useful travel functions. How to Set Up Alipay: Download Alipay from the Apple App Store or Google Play Store. Open the app and register using your international mobile phone number. Complete SMS verification. Go to "Me" → "Bank Cards" → "Add Card." Enter your eligible international credit or debit card details. Follow the instructions to complete any required identity verification, which may involve submitting your passport information. Once your card is successfully linked, you can start making payments without having to deposit money into a Chinese bank account. How to Pay with Alipay: There are two common ways to make payments: Scan the merchant's QR code: Open Alipay, tap "Scan," and scan the merchant's payment QR code. Enter the amount if requested, then confirm the transaction. Show your payment QR code: Tap "Pay/Receive" on the homepage and display your payment code. The cashier scans it to complete the transaction. Alipay also offers a useful "Transport" function. After selecting the city and activating the relevant transportation service, you can obtain a dedicated QR code for taking buses or the metro in participating cities. 2.2 WeChat Pay – Convenient for Everyday Life in China WeChat is much more than a messaging application. It is one of China's most widely used all-in-one digital platforms, combining messaging, social networking, shopping, transportation, restaurant services and mobile payments. Its integrated payment service, WeChat Pay (also known as Weixin Pay), is widely accepted by merchants throughout mainland China. For international tourists, WeChat Pay offers the convenience of linking eligible overseas bank cards. Supported international card networks include Visa, Mastercard, American Express, JCB, Discover and Diners Club, subject to card issuer and account eligibility. How to Set Up WeChat Pay: Download or update WeChat from your app store. Register or log in using your international mobile phone number. Open "Me" → "Services" → "Wallet" → "Bank Cards." Select "Add a Bank Card." Enter your international bank card information. Complete the required identity verification and follow the on-screen instructions. After successful activation, you can use WeChat Pay to make payments at participating merchants. How to Pay with WeChat Pay: Just like Alipay, WeChat Pay supports two QR-code payment methods: Scan the merchant's QR code using the "Scan" function. Open "Pay and Services" or the payment-code function and let the cashier scan your payment code. One additional advantage of WeChat is its extensive mini-program ecosystem. Many restaurants, coffee shops, hotels and travel-service providers have their own mini-programs, allowing customers to browse menus, place orders, book services and pay without downloading separate applications. Alipay or WeChat Pay: Which Should You Choose? Both are excellent choices, and their acceptance overlaps considerably. Alipay is often a straightforward starting point for international tourists, while WeChat is especially useful for communicating with local businesses and accessing mini-program services. Our recommendation is to prepare both if possible, but make sure at least one is successfully activated before your trip. 2.3 UnionPay App – Another Useful Payment Option UnionPay is China's major bank-card payment network. Its mobile application, the UnionPay App, also provides QR-code payment services for international visitors. Depending on your country or region, you may be able to register with an overseas mobile number, add an eligible bank card, complete identity verification and activate mobile payments. The app also offers an electronic money card option, known as the E-Money Card, which can be topped up for everyday purchases where supported. For travelers who want an additional payment option beyond Alipay and WeChat Pay, UnionPay is worth considering. However, registration, card eligibility and available functions vary by market and issuing bank. 3. Can Foreign Bank Cards Be Used Directly in China? Yes! International bank cards are becoming increasingly convenient to use in China, particularly at major tourist attractions, international hotels, large shopping malls, airports and established retail businesses. Commonly supported international card networks include: Visa Mastercard American Express JCB Discover Diners Club International UnionPay However, acceptance depends on the individual merchant, its payment terminal and the card issuer. Smaller local restaurants, independent shops and street vendors may not have international card facilities. Where Can You Use International Bank Cards? Places Card Acceptance International hotels Generally good Major shopping malls Generally good at participating stores Airports Widely available at major facilities Major tourist attractions Increasingly available International restaurant chains Often available Local restaurants and small shops Varies considerably Street-food stalls and traditional markets Often limited If you plan to pay directly with your physical bank card, look for the corresponding Visa, Mastercard or other card-network logo at the checkout counter. It is always a good idea to ask the cashier before making a purchase. An Important Alternative: Link Your International Card to a Chinese Payment App Even if a shop does not accept your physical overseas bank card, it may accept Alipay or WeChat Pay. By linking your eligible international card to one of these applications, you can use your overseas card as the funding source for QR-code payments. For overseas visitors using international bank cards linked to Alipay or Weixin Pay, the regulatory maximum is US$5,000 per transaction and US$50,000 per year. Actual limits may be lower depending on the payment platform, card issuer and verification status. 4. Can You Pay with Cash in China? Absolutely! Although mobile payments dominate everyday transactions, cash remains an important payment option in China. The official currency is the Renminbi (RMB), commonly referred to as the Chinese Yuan (CNY). Its symbol is ¥, and commonly used banknotes include ¥1, ¥5, ¥10, ¥20, ¥50 and ¥100. Cash can be particularly useful when visiting traditional markets, small local shops, rural destinations or places where mobile payment services are temporarily unavailable. China has also been improving cash-payment services to ensure that businesses serving the public can accommodate customers who prefer to pay in cash. Ordinary in-person merchants are expected to accept legal-tender RMB cash. Where Can You Get Chinese Yuan? There are several convenient ways to obtain RMB: Before departure: Exchange some money at your local bank or an authorized currency exchange provider. At the airport: Currency exchange counters and self-service exchange machines are available at major international airports. At banks in China: Commercial banks, including Bank of China, ICBC and China Construction Bank, provide foreign currency exchange services at designated branches. At ATMs: Withdraw RMB directly using an international bank card at ATMs displaying the corresponding card-network logo. How Much Cash Should You Bring? You don't need to carry a large amount of cash if you have successfully activated a mobile payment app. For most tourists, keeping around ¥300–¥800 in cash as an emergency backup is a reasonable starting point. You can adjust this amount depending on your travel style, destinations and shopping plans. It is also useful to carry smaller banknotes, especially ¥10, ¥20 and ¥50 notes, for small purchases and situations where change is needed. 5. Other Payment Options: International E-Wallets and Digital Yuan Apart from China's major payment applications, international visitors can also explore several alternative payment services. 5.1 Use Your Home-Country E-Wallet in China Good news for travelers who already use mobile payment applications in their home countries: you may not need to download another payment app! Through Alipay+ and UnionPay-powered payment networks, a growing number of overseas e-wallets can be used directly at participating merchants in mainland China. Supported services include: Country/Region Supported E-Wallets Hong Kong SAR AlipayHK, WeChat Pay HK Macau SAR MPay Singapore Changi Pay, OCBC Malaysia Touch 'n Go eWallet Thailand TrueMoney South Korea Kakao Pay, Naver Pay, Toss Pay Philippines GCash Mongolia HiPay Kazakhstan Kaspi Pakistan NayaPay The supported list may expand, and availability depends on the specific payment network and merchant. How Does It Work? Check whether your existing e-wallet supports payments in mainland China. Open your wallet and look for its international or overseas payment function. Scan the merchant's QR code or display your payment code, depending on the supported payment method. Confirm the transaction in your home-country application. This is especially convenient for visitors who prefer to use a familiar payment application rather than register for a new account. 5.2 E-CNY – China's Digital Yuan E-CNY, also known as the digital yuan, is China's official central-bank digital currency issued by the People's Bank of China. Unlike Alipay and WeChat Pay, which are payment platforms, E-CNY represents a digital form of China's national currency. International visitors can access E-CNY services through the official e-CNY application, subject to regional availability and account requirements. The general process is: Download the official e-CNY application. Register using an eligible international mobile phone number. Open an available digital wallet. Link an eligible international bank card, such as Visa or Mastercard, where supported. Follow the instructions to top up your digital wallet and make QR-code payments. E-CNY is an interesting alternative for visitors who want to experience China's digital currency system. However, it is not necessary for an ordinary tourist trip, as Alipay and WeChat Pay are generally more practical for everyday spending. 6. How to Pay for Transportation, Hotels, Restaurants and Attractions One of the biggest advantages of China's digital payment system is its integration into everyday travel services. From airport transfers to sightseeing and shopping, mobile payments can make your journey much easier. 6.1 Taking the Metro and Buses Public transportation in major Chinese cities is generally convenient and affordable. In many cities, you can use Alipay's "Transport" function to obtain a QR code for metro and bus services. Select the city you are visiting, activate the relevant transportation service and follow the instructions to complete any required verification. At participating stations and buses, simply scan your transportation QR code when entering or boarding. Some systems also require scanning when exiting. Other payment options include purchasing single-journey tickets using cash or eligible bank cards, or buying a transportation card at designated service counters. Special Tip for Beijing: Beijing has introduced direct contactless fare payments using overseas-issued Visa and Mastercard cards on its urban rail network. This means eligible travelers can use their physical bank cards at supported fare gates without first purchasing a ticket or setting up a local transportation QR code. Always check the payment instructions displayed at the station, as transportation payment arrangements differ between cities. 6.2 Taking Taxis and Ride-Hailing Services Ride-hailing applications are widely used in China. Didi Greater China is one of the most popular choices, and international visitors can register using overseas mobile phone numbers and eligible international bank cards. You can also access taxi-booking services through Alipay and WeChat. The general process is simple: Open Didi or a supported ride-hailing service. Enter your pickup location and destination. Choose your preferred vehicle category. Confirm your booking. Pay through the supported payment method in the app. For travelers who prefer to arrange airport transfers in advance, international travel platforms such as Trip.com also offer airport shuttle and transfer booking services with international payment options. 6.3 Paying for Hotels Most established hotels in major Chinese cities offer several payment options, including Alipay, WeChat Pay, RMB cash and bank cards. International hotels and many four- and five-star properties generally have better international card acceptance. However, smaller boutique hotels, guesthouses and family-run accommodations may rely more heavily on mobile payments. If you intend to pay directly with Visa or Mastercard, confirm acceptance with the hotel before arrival. You can also book accommodation through international travel platforms such as Trip.com, which support international bank card payments and offer convenient booking services for overseas travelers. Remember to bring your passport or other valid identification documents for hotel registration. 6.4 Paying at Restaurants, Cafés and Street-Food Stalls Restaurants in China commonly use QR codes for ordering and payment. At many restaurants, you will find a QR code on the table. Scan it using Alipay or WeChat, browse the digital menu, place your order and pay directly through the app. Some restaurants still provide traditional printed menus and allow you to pay at the cashier. For small independent restaurants and street-food stalls, mobile payment is often the easiest option. Cash is a useful alternative if you encounter a merchant who cannot process your mobile payment. 6.5 Shopping and Visiting Tourist Attractions Shopping malls, department stores, international brands and major tourist attractions generally offer a wider selection of payment methods. Alipay and WeChat Pay are commonly accepted, while international bank cards are available at many larger establishments. For smaller souvenir shops, local markets and independent vendors, QR-code payments are often more convenient than physical bank cards. When purchasing entrance tickets to attractions, you can often book online through official websites, mini-programs or international travel platforms. If you prefer to purchase tickets at the entrance, check the available payment methods before joining the queue. 7. Payment Differences Between Mainland China and Hong Kong Although Hong Kong is part of China, it operates a separate currency and financial system. Payment habits and the availability of mobile wallets are also different. If your itinerary includes both mainland China and Hong Kong, it is important to prepare accordingly. Feature Mainland China Hong Kong Official currency Renminbi (RMB/CNY) Hong Kong Dollar (HKD) Most common payment methods Alipay, WeChat Pay, cash Octopus, cash, bank cards and mobile wallets International bank cards Accepted at participating merchants Widely accepted Public transportation City-specific QR codes, transport cards and bank cards Octopus, bank cards and other supported contactless methods Local mobile wallets Alipay, WeChat Pay, UnionPay AlipayHK, WeChat Pay HK and others Popular Payment Methods in Hong Kong: Octopus Card: One of the most convenient options for public transportation, convenience stores and many everyday purchases. Cash: Hong Kong dollars remain useful, particularly at traditional local restaurants and small shops. Visa and Mastercard: Widely accepted at shopping malls, hotels and established restaurants. AlipayHK and WeChat Pay HK: Popular local mobile payment options, with availability depending on the merchant and account. Please remember that RMB and HKD are different currencies. While some Hong Kong businesses may accept RMB, it is not the standard currency for everyday transactions. Similarly, HKD is not the standard payment currency in mainland China. If you are traveling from mainland China to Hong Kong, make sure you have access to Hong Kong dollars or a payment method accepted there. 8. Practical Tips for Hassle-Free Payments in China Preparing your payment arrangements before departure can save considerable time and prevent unnecessary inconvenience during your trip. Here are some useful tips for international visitors: 1. Set Up Your Payment Apps Before Arriving Download Alipay and WeChat in advance, register your accounts and try linking your international bank cards before departure. This gives you time to resolve any verification problems. 2. Make Sure Your Phone Can Receive SMS Messages You can generally register using an international mobile phone number, so a Chinese SIM card is not essential for payment-app registration. However, make sure your number can receive verification messages. International roaming or an appropriate mobile service plan can help. 3. Prepare Reliable Mobile Internet Access Mobile payment requires internet connectivity. Consider purchasing a China eSIM, arranging international roaming or obtaining a local SIM card. A stable internet connection is particularly important when generating payment codes, booking transportation and using travel applications. 4. Bring a Physical Bank Card and Some RMB Cash Even if you plan to rely mainly on Alipay or WeChat Pay, always have alternative payment methods. A physical international bank card and a modest amount of cash can be extremely helpful if your phone runs out of battery, your internet connection fails or a payment application encounters a problem. 5. Check International Transaction Fees When linking an overseas bank card to a Chinese payment application, check the applicable service fees, transaction limits and exchange rates. Some payment products apply additional processing fees to transactions above a specified amount. Your home bank may also charge foreign transaction or currency-conversion fees. The exact charges vary by payment platform, card type and issuer, so check the terms displayed in the app before making larger purchases. 6. Keep Your Payment Apps Updated Make sure your payment applications are updated to their latest versions. This helps reduce compatibility problems and gives you access to the latest international-user functions. 7. Protect Your Payment Information Use a secure phone lock, keep your payment password private and avoid scanning unfamiliar QR codes. Always verify the merchant's name and payment amount before confirming a transaction. 8. Save Your Hotel Address in Chinese Although this is not directly related to payment, saving your hotel's Chinese address on your phone is extremely useful when taking taxis or asking local people for directions. 9. Frequently Asked Questions About Paying in China Q1: Can foreigners use Alipay and WeChat Pay in China? Yes. Both Alipay and WeChat Pay support eligible international visitors. You can generally register using an overseas mobile phone number and link a supported international bank card. Additional identity verification may be required. Q2: Do I need a Chinese bank account to use Alipay or WeChat Pay? No. For ordinary purchases, international visitors can link eligible overseas bank cards directly to the payment applications. A Chinese bank account is not necessary for this basic payment function. Q3: Can I use Visa or Mastercard directly in China? Yes, at participating merchants. International cards are increasingly accepted at hotels, airports, shopping malls, major tourist attractions and larger businesses. However, smaller shops and local restaurants may not accept them directly. Q4: Is cash still accepted in China? Yes. RMB cash remains legal tender and an important payment option. Ordinary in-person businesses are expected to accommodate cash payments, although it is advisable to carry smaller banknotes. Q5: Is Alipay better than WeChat Pay for tourists? Both are useful. Alipay is a convenient starting point for international tourists, while WeChat offers extensive messaging and mini-program functions. Preparing both provides greater flexibility. Q6: Can I use my country's mobile payment app in China? Possibly. Several overseas e-wallets, including Singapore's Changi Pay, Malaysia's Touch 'n Go eWallet, Thailand's TrueMoney and South Korea's Kakao Pay, support payments at participating Chinese merchants. Check your wallet's overseas payment settings before departure. Q7: What is the maximum amount foreigners can spend using international bank cards linked to Alipay or WeChat Pay? The regulatory maximum is US$5,000 per transaction and US$50,000 per year. Individual payment providers and card issuers may impose lower limits or additional verification requirements. Q8: Can I use Apple Pay in China? Apple Pay supports compatible bank cards and participating payment terminals, but international card compatibility and merchant acceptance vary. Do not assume that every contactless terminal will accept your overseas Apple Pay card. Alipay and WeChat Pay are generally more practical for everyday purchases. Q9: Can I use my international bank card to withdraw RMB from ATMs? Yes. You can withdraw Chinese Yuan from ATMs displaying your card's payment-network logo. Check your bank's overseas withdrawal fees, daily limits and exchange rates before withdrawing. Q10: What is the easiest way to pay in China as a tourist? For most international visitors, the simplest arrangement is to link an eligible international bank card to Alipay, install WeChat as an additional payment option, carry a physical bank card and keep some RMB cash for emergencies. 10. Final Thoughts: Get Ready to Explore China Without Payment Worries China's payment environment has become increasingly accessible to international visitors. Although QR-code payments remain at the heart of everyday transactions, improvements to international bank-card acceptance, overseas e-wallet integration and cash-payment services mean that traveling around China is now much easier than before. With Alipay or WeChat Pay set up on your phone, a physical bank card in your wallet and some Chinese Yuan as backup, you can confidently enjoy everything from bustling city streets and traditional local markets to remote mountain villages and spectacular cultural attractions. So, prepare your payment apps before departure, keep your phone connected and get ready to discover China. Whether you're savoring Peking duck in Beijing, exploring the ancient streets of Lijiang, cruising along the Huangpu River in Shanghai or admiring the breathtaking landscapes of Guilin, paying for your travel experiences should be the least of your worries. Welcome to China, and enjoy your journey!