travel to china payment

• Pay like a local: Alipay and Mastercard offer international travelers another convenient way to make cashless payments in China

Linking any Mastercard card to the Alipay digital wallet makes e-payments in China even easier. Tens of millions of merchants across China stand to benefit from a bigger pool of international buyers.

With the resumption of travel and tourism to China in full swing, Mastercard and Alipay, China’s leading digital open platform under Ant Group, today announced the launch of a new payments option that provides international arrivals to China with another simple and secure way to go cashless when visiting the country.

Expanding on a partnership established in 2019 to offer enhanced digital payment solutions to both consumers and merchants, the new service by Alipay and Mastercard offers another safe and convenient way for international visitors to China to pay like a local when traveling around the Chinese Mainland, regardless of where in the world their Mastercard card was issued. Cardholders simply need to link their existing Mastercard credit or debit card to the Alipay digital wallet – and that’s it! There’s no need to set up or top up a prepaid account. (Download the wallet here .)

By having the choice to pay cashless, via mobile devices, at tens of millions of Alipay acceptance locations across the country where QR codes are the most popular form of payment, Mastercard cardholders from around the globe will have the option to transact with ease and convenience while in China, just like locals do.

According to the Mastercard Economics Institute’s fourth annual travel report, Travel Industry Trends 2023 , the global sector is rebounding, with leisure travel bookings up roughly 31 percent in March 2023 compared to the same period in 2019, driven by high-income consumers. It is believed that popular travel destinations, including the Chinese Mainland, will actively benefit from this trend.

“We strive to enable more consumers and SMEs to enjoy the benefits brought by inclusive digital payment services,” said Venetia Lee, general manager of Ant Group Greater China International Business. “The new service offered by Alipay and Mastercard will not only enable a better experience for international travelers when visiting China but will also unlock more business opportunities for merchants on the Alipay open platform as global travel is set for rapid growth.”

For merchants, especially small and medium-sized enterprises (SMEs), the Alipay-Mastercard tie up gives them more opportunities to transact with international visitors who will now have access to the most widely accepted payment method in China, allowing them to get around easily, without hassle.

Courtesy of Mastercard Payment Gateway Services (MPGS), overseas card transactions completed on the Alipay digital wallet are processed through Mastercard’s omnichannel payments platform that enables merchants – large and small – to easily accept a payment from anywhere in the world, helping businesses to grow, and consumers to transact safely and securely while at home or abroad.

“This next step in the partnership with Ant Group exemplifies Mastercard’s long term commitment to the China market, and the company’s continuous global effort to power economies and empower people,” said Dennis Chang, executive vice president and division president, Greater China, Mastercard. “As travel and tourism rebound, Mastercard is delighted to partner with Alipay to enable cardholders worldwide to enjoy the ultimate in payments security, convenience, and peace of mind as they work, play, rest, and roam during their journeys to China.”

In addition, travelers holding Mastercard cards issued in South Korea and China’s Hong Kong SAR, Macao SAR and Taiwan region can register at Mastercard Travel Rewards to enjoy additional privileges such as cashback for spend on popular travel activities such as shopping, dining, sightseeing, and transportation, effective immediately. *

*Please contact your bank or card issuer for availability and eligibility.

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About Alipay

In the digital era, Alipay has evolved from a trusted payment tool to an open platform that connects businesses, institutions, service providers, and other partners with consumers. Alipay enables partners from various industries to offer safe and convenient payment options. It also enables partners to communicate and deliver different digital services to their customers in China through Alipay mini programs, lifestyle accounts and other tools. The Alipay platform has connected over 80 million businesses with more than one billion consumers.

About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

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Payment Methods in China: Expert Guide (2024)

Mobile payment is the most common payment method in China today. WeChat Pay and Alipay are the two most mainstream payment methods in China. Mastering one of these two payment methods will greatly enhance your convenience while traveling within China.

In this article, we will guide you through the process of setting up and using mobile payment, as well as provide solutions to some common issues you may encounter.

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• Popular Payment Apps: WeChat and Alipay

Other Payment Apps You Might Use

Payment by internet banking, traditional payment methods, payment by popular apps: wechat and alipay.

WeChat and Alipay can both be used for most things in China: in-store and online shopping, Didi and taxis (with QR code), food delivery, train/plane tickets, and bike shares.

Based on the information gathered from our Facebook group of tourists who have visited China and successfully utilized mobile payments,  Alipay is the best option due to its superior success rate in both account linking and payment transactions.  Additionally, we recommend downloading WeChat as a backup option. Good idea to have some cash on hand as a backup as well.

Most retail outlets and taxi drivers display both WeChat and Alipay QR codes for payment, so if one isn't working for some reason, there is always the other.

If you're in Hong Kong, consider downloading the Alipay HK version. If you're in the Chinese Mainland, simply download Alipay.

Download and Set Up Alipay

WeChat  is China's most popular mobile payment, communications, social media, and even entertainment app, with mini-programs for everything. Over 90% of Chinese people use it and over 80% pay using it!

After downloading WeChat, if you discover that it's in the Chinese version, you'll need to adjust the language settings within the WeChat app.

Download and Set Up WeChat Payment

How to Set Up WeChat and Alipay Payment?

To register for Alipay/WeChat as an overseas user on your mobile phone, follow these steps:

• Download the Alipay/WeChat app from your device's app store.
• Tap on the "Sign Up" or "Register" button to start the registration process.
• Enter your mobile phone number ( registering with a foreign phone number is acceptable ) and tap on the verification button to receive a confirmation code via SMS.
• Enter the confirmation code you received to verify your mobile number and follow the prompts to complete the registration.

How to Link Your Bank Card with Alipay

Starting from July 2023, both WeChat and Alipay have introduced the option of binding foreign bank cards including VISA, Discover, Diners Club, etc.

• Step 1: Open Alipay, go to "Me" at the bottom-right corner.
• Step 2: Tap on "Bank Cards" and click "+" at the top-right corner.
• Step 3: Add your card by entering your card number or scan your card and follow the prompts to finish the binding.

How to Link Your Card with WeChat

• Step 1: Open WeChat on your phone, find the "Me" section on the bottom, and then tap "Services".
• Step 2: Tap "Wallet", then select "Cards".
• Step 3: Click "+ Add a Card" and follow the prompts to finish the binding.

Below are several common issues encountered by foreigners when using Alipay and WeChat Pay:

1. ID Verification Failure:

When verifying your ID, you must use your passport. Ensure the accuracy of your information, proceed through the setup process attentively, and carefully read each instruction.

If you encounter issues receiving a confirmation code during identity verification when adding your mobile number, consider the following solutions:

• Confirm that you've selected the correct area code for your country.
• Attempt using mobile data.
• Contact your mobile service provider and request whitelisting of WeChat numbers or texts originating from China. Afterward, restart your phone and try again.

2. Problems with Binding a Bank Card:

One possible scenario is that your bank doesn't support payments in China. It's crucial to inform your bank beforehand and ensure your card is authorized for international use.

If you successfully added a bank card before departing for China but encounter payment issues in China, try removing and re-adding your card, and enable two-step verification. This could resolve the problem.

Additionally, remember the payment password set during signup, as it will be required for future transactions.

3. Difficulty Finding the "Service" Option in WeChat:

If you're unable to locate the "service" option when linking your card with WeChat, consider the following workaround:

• Request someone to send you a small amount of money (e.g., a penny) to your WeChat account.
• Once you receive the money, follow the prompts to complete the verification, which may include tasks such as taking a selfie with your passport, taking a picture of the first image of your passport, or providing address details.
• After completing the verification process, expect to receive confirmation within two to three days that your verification has passed.

4. Transaction Fees:

Transaction fees are waived for single transactions under RMB 200. A 3% transaction fee will be applied for single transactions above RMB 200. You can make multiple payments of RMB 200 each to avoid the 3% service charge. (WeChat and Alipay have the same requirements for transaction fees.)

If you request a refund for a transaction, the transaction fee will be reimbursed in proportion to the refund amount.

If you plan to reside, work, or study in China for an extended period, it is advisable to obtain a Chinese phone card and bank card. This will enable you to fully utilize the payment features of Alipay or WeChat, including the ability to transfer money and receive red packets.

How to Pay by QR Code in China

To pay using WeChat or Alipay in China, there are two methods.

The first method is scanning the QR code displayed by the shops. Open the app and tap "+" on the top right corner, and select "Scan".  Then you can scan the QR code displayed by the shops and enter your payment amount and password to complete the transaction.

The second method is the merchant scanning your payment QR code. Simply present your payment QR code in front of the scanning device. The corresponding payment amount will be automatically deducted from your account.

To access the payment QR code on Alipay, you can find it under the search box on the homepage by tapping on "Pay/Collect". On the other hand, for WeChat, you need to tap on "Me" located in the bottom right corner, then select "Wallet", and finally tap "Money" to find the payment QR code.

If your network connection is weak and it is taking more than a few seconds, you could try walking your phone around or holding it up for a better signal. It will usually then go through. Some establishments will let you use their Wi-Fi if your data connection doesn't work.

The author has once or twice walked out of a shop before payment has gone through (totally unintentionally and due to a slow connection), necessitating the cashier to call him back! So do check completion before putting your phone away: it may fail putting you in the criminal position of being a non-paying customer!

How to Shop Online with Alipay or WeChat in China

Most online shopping in China is taking place on mobile devices now using the apps Alipay (for Taobao/Tmall ) and WeChat (for Jingdong ).

Alipay has the advantage that it is run by the same company (Alibaba) as the biggest online retail platforms — Taobao and Tmall — which don't accept WeChat. However, WeChat has brought out its own online shopping program — Jingdong , which has proved very popular, and which doesn't accept Alipay.

Making a purchase on a China online shopping platform by PC/laptop would also follow the same app payment authorization code etc. As you're probably already familiar with online shopping, and it's dead easy… Basically, once what you buy has been selected and added to your " cart", select empty the cart, fill in your delivery details, and pay via Alipay or WeChat Pay authorization, as described above. This works for everything from buying a bed to a burger delivered straight to your door.

How to Transfer Money by WeChat or Alipay in China?

Person-to-person transfers are far more commonly performed by WeChat users than by Alipay users. For Alipay , you'd need to tap 'transfer' at the bottom left of the home screen and enter in the Alipay account details of the payee.

For WeChat , you'd need to have the payee as a contact in your app. (Contacts can be added by searching account details, scanning the payee's "Me" page QR code, or via a WeChat group, etc.) Simply tap on the contact, select the transfer option from the bottom left "+" menu, enter the amount, and authorize as above.

Transfers are a great way to split bills and make more informal "payments". (Red Envelopes are very similar in function, but these are used for gifts rather than payments — a cultural distinction.) See more on the payment guides for Alipay and WeChat.

UnionPay , which is the umbrella organization for all China's card payment and ATM services, has skipped recent card developments (tap-to-pay) and offers tap-and-go payments with its phone app as well as the scan-and-pay options offered by WeChat/Alipay, but it hasn't caught on as much as the top two tech giants' apps, simply because it is a comparatively stand-alone, single-function app.

Other smartphone payment apps also suffer from having isolated functionality and lack of support in China. The likes of Apple Pay and Samsung Pay, which are popular in other countries have very few users in Chinese mainland, where there are relatively few iPhone users and Samsung has been squeezed out of the Android market. Chinese phone manufacturers have chosen, for obvious reasons, not to compete with the app payment giants.

In this age of digital currency and numerous online middle-man transaction services, there are numerous other ways of paying that are mainly for the more technically-literate. Though they may serve a niche purpose for you, they would go beyond the mainstream remit of this article.

So, to finish with, we will stick to the three main types of Internet banking payment used in China: China bank platforms, foreign bank platforms, and PayPal.

China Bank Accounts

If you have a China Internet banking account, this would be another payment method you could use in China. It is more awkward and time-consuming than app payment. You'll need to enter the payee's China bank account details and authorize the payment via a texted code from your bank. However, it is useful for formal repeat payments though, like paying rent or bills, etc., as you get a good legally sound record of transactions that can't be lost with your phone or app account, so it's safer. See Renting an Apartment in China: An Expat Guide.

Foreign Bank Accounts

You can probably transfer money to one of the larger China banks (Bank of China or Bank of Communications mainly) using your foreign account's Internet banking platform and SWIFT/IBAN code etc., but making direct payments to a business/individual with a bank account in China in this way won't work due to international banking restrictions.

Payments by PayPal

Some larger international companies in China (like China Highlights) accept payment by PayPal. This is one of the best ways to pay directly using your foreign bank funds.

Unfortunately, PayPal cannot be used on Taobao (as it would compete with Alipay). Of course, you can still use PayPal for your internationally shipped purchases from the likes of Amazon, but this is again straying from payment methods in China .

For most expats, gone are the days when you might visit an ATM in China every couple of weeks or so to withdraw a bunch of 100-yuan notes from your salary to replenish your wallet's supply. Even when using your Chinese bank card for larger purchases, cash would be needed regularly for taxis, visits to the market, and countless other small transactions.

Foreign cards , though useful for travel and excellent for Visa/Mastercard/et al. withdrawals, never have been an expat favorite in China because of inter-bank and overseas fees, not to mention unfavorable exchange rates compared with using local currency. In fact, the use of plastic, foreign or domestic, never did really catch on in Chinese mainland.

China bank cards can be swiped for payment. Both passcode entry and a signature on carbon copy receipt are usually required. Tap-to-pay or pay by phone call and security strip isn't usually offered for Chinese (or foreign) cards on Chinese mainland. This is typical of China's bureaucratic banking, where a trip to the bank often entails lengthy queues and processes. China's banks have not been as free as the tech sector to make life easier for the customer.

Around the mid-2010s, most made the transition from mostly cash to mostly smartphone payments, whether by WeChat or Alipay, or even banking app for more formal payments. Now [2024], offering cash or even a card is done almost apologetically, as even the humblest vegetable seller proudly displays his/her WeChat QR code.

Traditional payment methods now seem to be a mark of being a foreign tourist in China (a foreigner who pays by WeChat is seen as a local; one who pays by cash or foreign card comes across as transient), so for more on cash and cards (from a travelers' perspective), see our page on A Practical Guide to Chinese Money.

China Highlights Is Here to Help

We can cut all the hassle of paying for things in China with a one-stop payment for everything on your trip! (This may save you money as well as time and stress.) And we can often help you to use the payment methods mentioned above.

Are you having trouble with life in China or traveling around? You may want to seek help from a company who have been serving travelers/expats in China for over two decades. Contact us.

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• Cash or Credit Card? How to Pay for Things in China

Are foreign credit cards accepted in China? How much cash do I need? When and where can I exchange Chinese yuan? Can I use mobile payment? These are all common questions for travelers to China, and in this guide, we’ll provide all the information you need on how to make and manage payments during your trip to China.

Cash or Credit Card?

Cash is still more widely used in China than credit cards, especially in smaller cities and outside of more touristy areas. That said, many places in China, including hotels, upscale restaurants, and foreign brand-name stores accept credit cards, so it is worth bringing your credit card with you. Visa, MasterCard, and American Express are all widely accepted in big cities in China.

Depending on your bank, using a foreign credit card in China will usually incur a foreign currency exchange fee and a transaction fee from either your home or the local bank, which can add up fast. Because of this, we recommend only using a credit card for major transactions such as hotels, tours, flight tickets, and potentially costly purchases such as jewelry or art.

Meanwhile, make sure that you have enough cash on you to handle smaller payments whenever you're out and about, as foreign credit cards and debit cards may not be accepted everywhere.

Important Note: Please consult your bank or credit card company about whether you can use your card in China and if it will incur a fee. You should also let your bank back home know that you will be using your card in China; otherwise your transactions might be flagged as unusual activity and your card may get blocked.

Getting Cash in China

You can exchange your home currency for Chinese yuan before you leave or after you arrive in China. You can certainly exchange some money before arriving in China, but withdrawing RMB in China is usually cheaper than exchanging in your home country, so you can simply bring a debit card with you and withdraw cash as needed. You should also bring at least one credit card for any big payments.

It is easy and quick to get cash on arrival at any Chinese international airport . There are usually ATMs in the baggage claim area and after exiting customs on both the arrival and departure levels. There are also currency exchange counters in the airport, although they may charge steep fees.

While you are in China, you can use your debit card to withdraw money from a 24-hour ATM. Big cities and smaller towns all have 24-hour ATMs. However, many rural areas, such as parts of Tibet , don't have many ATMs. English interfaces are available for use on all ATMs.

Not every card works on every machine, so it is best to stick with major banks such as the Bank of China, ICBC, China Construction Bank, or HSBC. Be sure to check which cards are supported before you use the ATM (There are usually signs on the ATM indicating what types of card are supported).

Some hotels provide currency exchange services but they usually charge a hefty fee. We also don't recommend exchanging money at the bank counter in China, as you may be in for a lengthy wait and you could be asked to bring extra documents and fill out a complicated form.

How much cash do I need when traveling in China?

If you are traveling on one of our guided tours , you only need to pay for dinners and personal expenses while you are in China. As long as you don't plan on buying many souvenirs, we recommend that you bring 500 RMB per day per person.

If you are traveling on your own, the amount of cash you need will vary greatly depending on where you visit and how often you will use your credit card. To be on the safe side, 2,000 RMB per person should cover all of your expenses for a usual day trip in China (including entry fees, meals in decent restaurants, taxis), although you probably will not actually spend that much.

Note: Thanks to inflation and a strong RMB over the past ten years, traveling in China is not as cheap as it used to be.

Mobile Payment in China

Mobile payment in China is surprisingly advanced and widely used, even more so than cash in big cities. The two most common platforms are Alipay and WeChat. While traveling in China, you will see QR codes for mobile payment everywhere from taxis to street food stalls, making it a very convenient way to pay. Many younger people have essentially completely abandoned cash. (Find out how to buy a Forbidden City ticket by scanning a QR code here )

At the time of writing, you can link a foreign credit card (e.g. Visa, MasterCard, JCB) to your WeChat account and use it to make some online payments, and Alipay allows you to use foreign credit or debit cards to add money to its TourPass wallet which can then be used to make payments in China. However, while WeChat and Alipay keep evolving, at the time of writing neither WeChat nor Alipay allow you to transfer money to other people, which is actually the primary way to pay/receive money in China. Apple Pay is supported by only a limited number of international brands and is rarely used in China.

If you are on one of our tours and want to experience China’s mobile payment landscape for yourself, please let your travel agent know. We can help you set up a WeChat account then transfer a balance to you, which you can then use to pay for things while you are traveling around China. You can read more about how to use WeChat during your travels in China here .

In the event that you are unable to pay using your credit card and happen to not have enough cash to hand, you can also ask your guide to pay with WeChat or Alipay and then pay them back with your home currency.

How to avoid accepting fake Renminbi while traveling in China

While you are in China, there is a small possibility that you will receive some fake Renminbi notes. Rather than telling you how to recognize fake notes, since this is difficult for local Chinese let alone foreign travelers, we will instead give you a few tips on how to minimize the risk of fraud or fake notes.

Our number one advice is: always exchange or withdraw money from banks or ATMs attached to a bank. There have been reports of people withdrawing fake Renminbi notes from banks or ATMs, but it is still much safer than many other sources. (Exchange rates in China are highly regulated, so you will get a similar rate at all banks in China.)

Some unscrupulous taxi drivers or vendors may quickly switch your genuine banknote for a fake one and then return the fake banknote to you and tell you the money you gave them is fake. They usually do this with 100 yuan notes since they are most valuable, although it may happen with 50 yuan notes too. Because of this, we suggest travelers in China keep some 10 or 50 yuan banknotes for small payments and avoid using 100 yuan notes when taking taxis or making small transactions.

Otherwise, if you are able to pay by Wechat or Alipay, you can simply use these and avoid cash altogether!

The China Guide is a Beijing-based travel agency that customizes private tours, educational student tours, and incentive trips across China. We have more than ten years of experience crafting tours for tens of thousands of travelers from the United States, Canada, Australia, the United Kingdom, Germany, France, Spain, and beyond. We promise all our tours have no hidden fees, no shopping stops, no touristy restaurants, just memorable experiences! Learn more about us or contact us to start planning your perfect China trip .

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Explainer: Payment service guide for overseas visitors to China

Source: Xinhua

Editor: huaxia

2024-04-11 18:30:30

BEIJING, April 11 (Xinhua) -- In its latest efforts to facilitate ease of payments for overseas travellers, Chinese authorities earlier this week introduced measures to make payments more accessible for foreigners visiting the country's major tourist attractions.

A circular, jointly issued by several government organs including the People's Bank of China (PBOC), stipulates that domestic and overseas bank cards should be accepted in all three-star and above tourist hotels, 5A-level and 4A-level national tourist attractions, national and provincial tourist resorts, as well as national tourism and leisure districts.

Major cultural and tourism attractions should retain ticket booths and ticketing staff, and actively set up foreign currency exchange outlets in venues with a large number of foreign tourists, the circular said.

The move represents part of China's push to facilitate payments for foreigners. In early March, the country's State Council released a guideline aimed at continuing to optimize payment services of bank cards, promoting cash use and facilitating mobile payment.

Over the past month, Chinese authorities have taken intensive steps to smooth payments for foreign travellers. Major payment service providers, including Alipay and WeChat Pay, have also enhanced payment operations and introduced foreigner-friendly functions.

What are the payment options available for foreign visitors? How to make digital payments? The following are some policy highlights and payment tips.

TIPS FOR CONVENIENT PAYMENTS

-- Overseas visitors to China have several payment options, ranging from mobile payments to bank cards and cash.

-- Mobile payment services are available in Alipay, WeChat Pay and UnionPay. In Alipay and WeChat Pay, foreign users can link their international credit cards, including Visa and Mastercard, to these platforms.

In addition, Alipay has also allowed foreigners to use their familiar home e-wallets by scanning Alipay QR codes.

-- Some international e-wallets, including TrueMoney and Changi Pay, can also be accepted by merchants in China. Foreign visitors who have these e-wallets can pay without downloading other apps, according to the PBOC.

-- No ID information is required for transactions under a certain amount when foreigners use mobile payments such as Alipay and WeChat Pay, the PBOC said.

-- The single transaction limit for overseas visitors using mobile payments on payment platforms has now been raised from 1,000 U.S. dollars to 5,000 dollars. The annual cumulative transaction cap has been increased from 10,000 dollars to 50,000 dollars.

-- More user languages are available on payment apps. For instance, Alipay has expanded its service languages from two, Chinese and English, to a total of 16. The translation services can be applied to various services within the app, such as taxi hailing, hotel booking, purchasing tickets for scenic spots, public transportation, and checking exchange rates.

-- Bank cards can be accepted if logos of the payment organizations are displayed at the checkout counter. Unionpay cards can be accepted by all merchants point of sales (POS) terminals.

-- China has also been working to expand cash acceptance in transportation, shopping, dining, entertainment, and other businesses, while ensuring sufficient cash reserves for business owners.

Foreign visitors can directly conduct exchange at bank outlets with currency exchange signs, outlets of qualified financial institutions, or self-service kiosks. RMB cash can be withdrawn with bank cards at ATMs with logos of corresponding bank card organizations. ■

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Mobile Payment in China: Step-by-step Guide to Using Alipay and WeChat Pay without a Chinese Bank Account

In China, cash ain’t king. Mobile payment apps like WeChat Pay and Alipay are becoming essential. Here’s how to make life easier on your next trip to China.

First published: 11 March 2020

Making payments in China can be quite tricky for first-time visitors. Most merchants, especially smaller businesses, don’t accept international credit cards. Some retailers even stopped accepting cash entirely.

So, in order to get by in China, you kinda have to do what the locals use — mobile payment via QR codes.

Photo credit: Tencent

There are two main mobile payment apps in China, Alipay (支付宝) and WeChat Pay (微信支付). They’re generally safe and easy to use, and the good news is, they’ve also opened up the payment function beyond the Chinese market.

Previously, in order to activate the payment function on Alipay or WeChat’s mobile app, users would first need to have either a China bank account or a Chinese bank-issued credit card. And to have either of these, users need to be a Chinese citizen or a resident with a valid residential address in China.

Seen in China: A tableful of food with a table full of QR codes for easy payment. Diners can scan a QR code that leads to the order sheet, and then scan another QR code to settle the bill.

But now, tourists can now link their international credit cards to these mobile payment apps. Here’s a step-by-step guide to setting up Alipay and WeChat Pay without a China bank account or China bank-issued credit card.

Step-by-Step Guide to Setting Up Alipay and WeChat Pay without a China bank account or Credit Card

If you’re new to both Alipay and WeChat Pay apps, my suggestion is to get Alipay. You’ll find its installation and application processes simpler and more intuitive with instructions in English.

Alipay (支付宝)

Click to enlarge or download image.

Alipay (支付宝) rolled out its international version of the application that supports international credit cards in Nov 2019. The 2023 updated version removed the “TourPass” function that required foreign users to top up a native e-wallet before usage.

Step 1: Download Alipay on Play Store for Android or App Store for iOS.

Step 2: Enter your existing mobile number (you’ll get a verification code via SMS). Set it to the International Version.

Step 3: Set up your account. Tap on “Me” > “Bank Cards”.

Step 4: Tap on “+Add Card” to add your existing international credit cards.

To make a payment using the Alipay app, go back to Alipay’s main screen and tap on the “Pay/Collect” or “Scan” icon below the search bar. A QR code reader will appear, prompting you to scan the merchant’s QR code for payment.

Credit card schemes supported by Alipay include VISA, MASTERCARD, DINERS CLUB, DISCOVER, JCB, and UNION PAY.

*Note: AMERICAN EXPRESS (AMEX) cards are currently not accepted.

WeChat Pay (微信支付)

If you’re already a user of WeChat as a messaging platform, activating WeChat Pay (微信支付) is going to be a breeze for you. If you don’t already have WeChat installed on your phone, go through all the steps below. For existing WeChat users, follow steps 3 through 5 to set up the Pay function.

Step 1: Download WeChat on Play Store for Android or App Store for iOS. If you’re an existing user, update your app to the latest version.

Step 2: Open the app and “sign up” with your existing phone number. Be sure to choose the correct country/area code. You’ll get a verification code via SMS to set up your account.

It’s common to face errors when signing up for a new WeChat account. Check that your name is spelt with a space in between: <first name><space><last name>, or that your phone number has never been used to create a WeChat account.

You may also be prompted for a second verification — getting friends in your WeChat contact to verify your account by sending a code through.

Step 3: Tap on “Services” under “Me”.

Step 4: Tap on “Wallet” > “Cards”.

Step 5: Add and fill out the details of the personal credit cards you wish to link to. You will be prompted to verify your identity by uploading a photo of your passport.

To make a payment using the WeChat Pay app, go to the “Me” section and tap on the “Money” icon. A QR code reader will appear, prompting you to scan the merchant’s QR code for payment.

Card schemes supported by WeChat Pay include VISA, MASTERCARD, AMERICAN EXPRESS (AMEX), JCB, DINERS CLUB, and DISCOVER.

Read also: 10 Essential Apps You Must Have for Travelling in China

Comparing Alipay vs. WeChat Pay

1) Service Fees

Both WeChat Pay and Alipay charge a 3% transaction fee for single transactions above 200RMB (~S$37). Transaction fees for transactions less than 200RMB will be absorbed by both platforms.

2) Exchange Rates

Both Alipay and WeChat Pay do not have in-app currency exchange rates. Instead, the exchange rate is determined by the issuer of the linked credit cards.

3) Functionality

Although both Alipay and WeChat Pay support mobile payments, they are inherently different apps.

Alipay is an online payment platform, similar to PayPal . Besides the mobile payment option, Alipay also has a digital “Tour Card” in-app. “Tour Card” functions like an e-wallet, which users need to pre-load or top-up to make payments via one-time generated QR codes.

Currently, Alipay mobile users can top up a maximum of 10,000RMB (~S$1,860) in the “Tour Card”, with a 5% service charge for each top-up. Do note, however, that each “Tour Card” has a validity of 180 days. Payees without a China bank account can also receive funds in their Alipay account if the payer has a verified Chinese bank and Alipay account.

WeChat Pay is a payment gateway where users pay using credit cards linked to their mobile phones, similar to Apple Pay and Google Pay. But this also means that WeChat Pay users without a linked China bank account will not be able to receive funds into their WeChat Pay account.

4) Limitations

Even though Alipay and WeChat Pay have made it possible for users outside of China to link their international credit cards, do note that not all merchants in China accept payments using international cards.

A workaround is to activate the “Tour Card” function on the Alipay app and top it up with any linked international credit cards. As the “Tour Card” is a digital card supported by the Bank of Shanghai, it’s widely accepted in China.

5) More than just payment platforms

The WeChat app is a whole ecosystem in itself. What started as a copycat version of Whatsapp, Wechat is now China’s largest messaging app. Other than the chat function, the app is connected to a social networking system. Users can post pictures with captions shown as “Moments” on the app, and “Like” and “Comment” on posts of friends.

Other useful functions of WeChat include current affairs updates, mobile games, car-hailing, movie ticketing, booking train tickets, and even food delivery services.

Alipay has a number of third-party mini-programs as well, but most users see it as a payment tool for their online purchases on Alibaba (or Taobao ). Compared to WeChat, which is a messenger-based app, Alipay is a payment service app that focuses on e-commerce and financial services. 

Other useful functions of Alipay include an in-app translation tool, car-hailing via Didi, booking of train tickets via Railway 12306, and even rental of power banks.

Alternatives to Using International Credit Cards With Alipay or WeChat Pay

There are chances that you don’t own a credit card and are looking for alternatives to using mobile payments in China. So here are some workarounds:

1) Multi-currency credit/debit cards 

A multi-currency credit or debit card that supports Chinese renminbi like Revolut and YouTrip allows cardholders to do in-app currency exchanges when the rate is right. Having these cards is useful in China, where foreign currency exchange rates are notoriously high. The multi-currency card can double up as an ATM card for cash withdrawal too.

However, while using the multi-currency card YouTrip in China, we ran into verification problems after a couple of transactions. So we highly recommend getting a local or roaming mobile number so you can verify via SMS code. Also, note that the use of physical international credit cards such as VISA and MasterCard are not widely accepted in China.

*Pro-tip: Link your multi-currency cards to Alipay or WeChat Pay to save on lousy exchange rates you’d get from other local credit cards.

2) Pre-paying for activities online 

Another way to get by without being held back by monetary issues is to pre-purchase activities or attraction tickets online prior to getting into China. My personal go-to travel activity platform is Klook , and there are hundreds of activities such as day tours and attraction tickets to Shanghai Disneyland and The Forbidden City in Beijing.

Read also: How This App Became Essential For All My Trips in 2019

3) Back to basics with cash in hand

Money changers in Singapore typically only have renminbi in 100RMB notes, and it’s very common to find merchants in China who don’t have enough change for bigger notes. Try to break the notes into smaller denominations (5RMB, 10RMB, 20RMB) whenever you’re paying the bigger merchants in China (e.g. supermarkets).

More tips before travelling to China

1) Download important apps before you go

You won’t want to be stuck in a foreign land without any means of getting around or paying for things. So it’s really a no-brainer move to download all the mobile apps you need before you depart. Unless certain apps you want aren’t available in your local app store, i.e. Douyin (a.k.a China’s version of TikTok).

2) Download a trusty VPN

It’s not termed “The Great Firewall of China” for nothing. Most apps you’re familiar with using in Singapore are most likely NOT going to work in China. I’m talking about Facebook, Instagram, YouTube, TikTok, Google, and so on. So rather than downloading and familiarising yourself with a dozen or more Chinese apps as alternatives, an easier way around it is by getting a Virtual Private Network (VPN).

Not all VPNs are made the same, some are free to use while there are premium ones on a subscription basis. I’ve personally tried free-to-use ones but those either expire within 24 hours or are just really unstable. Pay-to-use ones like ExpressVPN and VPN Proxy Master work pretty well.

Alternatively, get a SIM card with both data and VPN before your trip so it’s like killing two birds with one stone! Also, ensure that you have a local or roaming number for any verification purposes.

3) Book travel essentials prior

As mentioned earlier, I like to pre-purchase activities or attraction tickets online. This ensures securing a ticket early if you’re travelling to attractions during peak periods, and might even save you some dollars with platform discounts or credits earned. Klook currently has hundreds of activities such as day tours and attraction tickets within China , with more coming up as China continues to open up tourism to foreign visitors!

China is definitely leading the way when it comes to mobile payments, and it won’t be long before other countries follow suit.

While it’s still too early to say for sure that the gap between locals and travellers has been bridged, the enablement of using international credit cards with Chinese mobile payment apps is a huge step towards a more foreigner-friendly China. For now, we look forward to more seamless transactions — and travels — ahead.

Did we miss any other information on WeChat Pay or Alipay? Let us know in the comments below.

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Worth mentioning, it seems WeChat Pay linked to a creditcard (only) will not allow for things like topping up your wallet or making transfers. I’ve yet to test it with actually paying for something by QR.

In 2022, it seems they have taken a step back from making this work for foreign tourists. Without a Chinese bank account, none of this works.

Alipay’s TourPass is no longer in use.

I’m glad to see that there is a step-by-step guide on how to use Alipay and WeChat Pay without a Chinese bank account. This is a great way to avoid having to carry around a lot of cash

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How can foreigners use mobile payments, Alipay, in China in 2024

• March 24, 2024

From Alipay Tour Pass to Alipay TourCard, and now Alipay’s access to international bank cards, we’ve seen China’s mobile payment system become more and more friendly to foreign tourists. We have updated the article to reflect the latest status of current Alipay for foreigners based on our practices. Here is everything that can help you visit China using just your phone in 2024.

In China, the proportion of mobile payments has exceeded 80%. People use mobile phones to complete nearly all daily consumption activities, such as shopping, dining , using public transportation, taking taxis, seeking medical treatment in hospitals and so on. Many merchants no longer even keep cash on hand for providing change, let alone offer POS machines that accept international bank cards. Consequently, for foreigners, using international credit cards or cash in China is neither safe nor convenient and could potentially lead to various complications.

Fortunately, China’s two main mobile payment platforms, Alipay and WeChat Pay, began accepting international credit cards at the end of July 2023. This post explains how to use Alipay. If you are interested in learning about WeChat Pay, please refer to the article ‘ WeChat Pay for Foreigners in China 2024 ‘.

#1  About Alipay registration

Download the ‘Alipay’ app and register with your mobile number. You can register using an overseas mobile phone number or a Chinese mobile phone number. (To find out how to buy a Chinese mobile phone SIM card and use cheap data packages in China, please read the article: Guide about access internet and must-use apps in China in 2024 ）

#2  About identity verification

Before using Alipay, you need to complete identity verification. You can complete identity verification through the following three methods:

• Use your passport to complete face verification.
• Use a Chinese mainland bank card to verify their identity.
• Use your passport NFC chip and face verification (if available with your passport and supported by device)

The steps for the verification are as follows:

Swipe right to view more pictures

#3  Adding and removing Bank Cards

For foreign tourists, there are two ways to pay with Alipay. The first method is by binding an international card, and the second way is by topping up Alipay through the mini-app called TourCard. We have personally tested the first method and found it to be both feasible and convenient. Therefore, we recommend binding an international card to Alipay. Alipay now supports cards issued by Visa, Mastercard, JCB, Discover, Diners Club and UnionPay cards.

Add your first bank card at the home page or by going to “Me” > “Bank Cards”.

To add more than one bank card, go to “Me” > “Bank Cards” -> “+”(up right corner)

To remove bank card, go to “Me” > “Bank Cards” > the bank card you want to remove –>“More services” – “Remove Card”.

#4  How does Alipay work?

. paying with alipay.

Activate the payment QR code, show the payment QR code to the cashier, and the cashier scans your Alipay payment QR code.

Scan the Alipay QR code provided by the merchant, enter the amount, and click to confirm the payment.

Important reminder : If you have more than one card bound in Alipay, you need to select the card you need to use when this payment is made before. At the same time, the three CVV2 digits on the back of the credit card should be filled in when scanning the QR code to pay.

. Taking public transport with Alipay

Choose the location firstly. Find all the service channels, such as Bus, Metro, Taxi, Train, Plane and Bike in the ‘Transport’ button. Note that ‘12306’ here refers to the train.

Before taking the subway or bus for the first time, you need to obtain Bus/Metro Card.

#5  Shopping online by Alipay

China is a famous manufacturing country with abundant and high quality goods. Alipay supports payment on all online platforms in China. What’s more, China’s delivery speed is amazing.

#6  Is there a transaction limit? How is the exchange rate calculated?

There is a limit of 6,000 RMB for single transactions, a cumulative monthly limit of 50,000 RMB, and a cumulative yearly limit of 60,000 RMB for transactions. The exchange rate will be calculated based on the exchange rate provided by the card organization and the issuing bank of your international card.

#7  Are there any transaction fees?

Yes, there are transaction fees. However, transaction fees are waived for single transactions under 200 RMB. A 3% transaction fee will be applied for single transactions above 200 RMB. If you request a refund for a transaction, the transaction fee will be reimbursed in proportion to the refunded amount.

#8  Is Alipay safe?

Alipay was founded in 2004 and has become an essential tool for more than 80% of Chinese people. For details of Alipay’s security, please visit their website at here .

#9 Alipay customer service

If you encounter problems with identity real-name authentication, adding a bank card or topping up your account, ask a Chinese-speaking friend to call the Alipay service hotline at 95188 . human customer service will help you with these problems.

Also, you can visit the official support page for help if you encounter technical problems while using Alipay.

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How to Pay in China As a Foreigner: Popular Payment Methods

Currently, Chinese people are aboard the “cashless payment train”, with most people preferring to pay with payment apps like WeChat Pay and Alipay in China. These options can make payment faster and easier, whether it’s for online or a simple street vendor purchase. As traditional payment options like cash and bank cards are becoming less common, knowing how to pay in China as a foreigner seems important for your hassle-free travel to China .

This article will introduce you to some of the most popular payment methods in China to ensure you can pay for things easily even as a tourist. We will show how to use these payment apps and platforms with details.

E lectronic Payment in China

In recent years, over 87% of the population uses mobile payment in China each year. Mobile payment methods, especially the Alipay and WeChat Pay have become ubiquitous in daily life. Alongside these key platforms, other platforms like UnionPay, JD Pay, Apple Pay, etc. together offer a diverse range of options for digital payment in China.

How to Pay with WeChat Pay in China?

WeChat Pay in China is widely accepted at offline stores, street stalls and vendors, restaurants, public transportation, Didi, taxis, etc. When purchase online, it is accepted on platforms like JD, Weidian, Pinduoduo, Meituan and most other major platforms except Taobao.

There are only a few steps to register and make payments via WeChat Pay. See the step by step guide below:

• Download the WeChat App and Register an Account
• Search for the latest version of the WeChat App from the app store and install it.
• Then, open the WeChat App and register an account with your phone number.

• Access WeChat Pay for Real-name Authentication

Click “Me” > “Services” > “Wallet” > “ID Info” to finish the real-name authentication. For foreigners, you can finish the authentication with your passport.

• Link a Bank Card

Click “Me” > “Services” > “Wallet” > “Cards” > “Add a Card” to add your bank card on the WeChat.

Currently, WeChat can support five international bank cards: VISA, Diner’s Club, Discover Card, JCB, MasterCard.

• Start Making Payments via WeChat Pay

After linking a bank card, you can start making payments via WeChat Pay. There are two easy and secure ways to pay by WeChat Pay, either by scanning the QR code of the merchants or by showing your payment code and be scanned.

• To pay by scanning: Click “Discover” > “Scan” to scan the “Receive money code” presented by the merchant.
• To be scanned: Click “Me” > “Services” > “Money” to show your “payment code” to the merchant.

How to Pay with Alipay in China?

Alipay can be used to pay for a wide range of goods and services, including online platforms, offline retail stores, street stalls and vendors, subway, bus, restaurants, taxis, didi, etc.

• Download the App

Download Alipay App from the app store or from the Alipay official website.

• Register an Account

Open the App, and register an account with your phone number or email address.

• Set a Password

Follow the prompts to set your login password and payment password.

• Real-name Authentication

Follow the prompts to finish the real-name authentication.

• Link your bank card to the app

Click “Me” > “Bank Cards” > “+” on the up right corner to add your bank card. You can add either a Chinese bank card or one of the five international bank cards: VISA, Diner’s Club, Discover Card, JCB, MasterCard to your Alipay account.

• Activate your account

An activation email will be sent to your mailbox, click the link to activate your account.

• Start Making Payments via Alipay

After finishing the above process, you can start making payments via Alipay. The same with WeChat Pay, there are two ways to pay by Alipay, either by scanning the QR code of the merchants or by showing your payment code and be scanned.

• To pay by scanning: Click “Scan” to scan the “Receive money code” presented by the merchant.
• To be scanned: Click “Pay/Collect” to show your “payment code” to the merchant.

How to Pay with UnionPay QuickPass in China?

Though not as popular as Alipay and Wechat Pay, UnionPay Quickpass is still versatile and can be used in many scenarios, including but limited to:

• Online Payments: to pay for online shopping on e-commerce platforms like Taobao, Tmall, etc.
• Offline Payments: UnionPay Quickpass is accepted at numerous famous supermarkets, chain restaurants, retail stores, etc.
• Transportation and Travel: UnionPay QuickPass can be used at several airlines and travel platforms, such as China Eastern Airlines, Tuniu, etc.

To get started with UnionPay QuickPass, follow these simple steps:

• Download the app and install

Search for UnionPay in the app store and download it.

• Register an Account and Login

Open the app, create an account with your phone number, set up a password and verification information.

• Link Your Bank Card

Click “Me” > “Cards”, then enter your bank card information to link it.

Note:  Currently, only UnionPay cards issued in specific regions such as Hong Kong and Macau are supported on UnionPay QuickPass.

• Start Making Payments

On the home screen, click “Pay/Collect” to present your QR code to the merchant.

Alternatively, click “Scan” to scan the merchant’s QR code to make a payment.

How to Use Apple Pay in China?

Common scenarios where Apple Pay can be used:

• Retail Locations: Apple Pay is supported at various offline shops, supermarkets, and large malls.
• Public Transit: Public transportation system like subways and buses.
• Apple’s Own Services: Can make payments on Apple’s platforms.
• Third-party Apps: including Railway 12306, JD.com, banking service apps, etc.

Below are the simple steps to use Apple Pay:

• Open “Settings” on your iPhone, then scroll down and click “Wallet & Apple Pay”;
• Tap on “Add Card” to add a UnionPay card to your wallet;
• After adding your card, you can pay by ApplePay at merchants or locations that support NFC. You just need to get your iPhone close to the POS terminal, authenticate by using Face ID or Touch ID, and finish the payment.

F ace Recognition Payment in China

Face Recognition Payment is a faster and more convenient alternative to QR code scanning. This payment method allows users to make payments swiftly on devices that are equipped with specialized 3D security cameras.

Currently, face recognition payments are supported at many places like convenience stores, supermarket self-checkouts, subway stations, etc. where you just need to enter their payment account and look at the camera to complete the transaction, no need to take out your phone. To make the face recognition payment, users need to enable the face recognition payment feature on their WeChat Pay or Alipay accounts.

Steps to enable the face recognition payment feature on Alipay:

• Open your Alipay and tap on “Me”;
• Tap on the gear icon in the top right coner to enter Alipay settings;
• Tap on “Payment Settings” > “Biological ID Pay” > “Smile to Pay”;
• Complete the face verification.

Steps to enable the face recognition payment feature on WeChat Pay:

• Open your WeChat app and tap on “Me”;
• Tap on “Services” > “Wallet” > “Payment Settings”> “Face Payment”

Payments by PayPal in China

PayPal can work in China. Its services are mainly aimed at international transactions. For instance, when booking a  tour to China  through an international travel agency, it can be conveniently done by using PayPal.

You Can Pay in Cash in China

Though cashless payment is ubiquitous, cash transactions are still accepted in any setting. Preparing some cash can also prevent unforeseen circumstances, such as out of battery or poor signal in some areas.

To pay for things with cash, you can withdraw Renminbi from ATMs with logos of your bank card’s organizations. Or, you can exchange foreign currency for RMB at certain bank branches, currency exchange institutions, and self-service exchange machines with currency exchange signs.

Use a Bank Card in China

People holding cards with UnionPay, Visa, or Mastercard logos can make swipe payments if the merchants’ checkout counter shows the corresponding acceptance marks. If your card is from other payment organizations or there are no such logos of your card, you may need to ask the cashier to make sure whether your card can be used for payment.

Open a Bank Account in China

Foreign tourists can open a local or foreign currency bank account at your nearby bank outlets with their passports or other valid IDs. Most commercial banks offer account opening services. You can visit the bank’s official website or consult the bank staff for detailed information and required documents. After opening a bank account, you can conveniently deposit and withdraw RMB, link your card to any online payment platform, use the card for payment services, and a wide range of other services.

Our Helpful Team is Here to Help

By familiarizing yourself with the popular methods of how to pay for things, you can smoothly handle your transactions while exploring the attractions and wonders in China . Our team is always ready to assist you in utilizing the payment options effortlessly. To cut your hassle of paying for things in China, we can also offer you all-inclusive customized China tours with all your travel expenses covered.

More China Travel Guide Articles for Your Hassle-free Journey

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How to Pay in China Like a Local: 2024 Guide for Foreigners and Tourists

It’s no secret that China is light-years ahead when it comes to digital payments. Gone are the days of paying with cash or with credit cards. In the land of super apps, your smartphone is your wallet, and QR codes are the gateway to most transactions.

Trust us, you don’t want to be the one holding up the line at a restaurant paying with cash while everyone is breezing through with a quick scan on their phone.

Don’t stress, we’ve got you covered. From setting up your e-wallets to linking your bank account for overseas payment, we’ll walk you through everything you need to experience China like a local.

In the news: Mastercard expands collaboration with Alipay

Mastercard recently announced Alipay will be joining its fold of integrated e-wallets for cross-border transactions, months after WeChat pay’s integration announcement last year. This comes hot on the heels of China’s latest push for WeChat and Alipay to be foreigner-friendly to revive its tourism industry, after being one of the last countries to open up post-pandemic.

For those unfamiliar; WeChat and Alipay aren’t just an e-wallet, it’s the super app that has permeated every facet of Chinese daily life.

In short, you can’t live without it.

With over a billion users, WeChat and Alipay are now used for everything – from simple chats to booking flights, from shopping to banking. Its prominence also meant that cash was becoming obsolete.

WeChat’s QR-code payments are accepted everywhere, from your local beggars and roadside stalls to luxurious retail boutiques.

For businessmen and tourists, navigating WeChat and Alipay is pivotal for a seamless spending experience .

Here’s what you can expect:

What payment methods are accepted in China?

When looking for the major players in China’s digital payment scene, Tencent’s WeChat and Alibaba’s Alipay are the powerhouses dominating the world’s 2nd largest population and biggest eCommerce market. China boasts the highest mobile payment usage of any market worldwide, with an impressive 92% of consumers using QR-code-driven digital wallets as their primary payment method.

1. WeChat: Also known locally as Weixin, occupies 55% of the phone payment market. Its popularity heightened with its dual function as a social media, communication, and entertainment platform. It’s used by over 90% of the Chinese populace, and more than 80% use it for peer-to-peer and retail transactions.

2. Alipay: A.k.a. Zhifubao accounts for 40% of mobile payments . Integrated within Alipay are various other apps like Didi for rides and Taobao for shopping. More than 70% of China’s population makes payments via Alipay. While many establishments display QR codes for both payment systems, do note that some smaller entities might only offer WeChat payment.

Setting up WeChat and Alipay payment

Both platforms allowed foreign credit cards to be linked. Once you’ve done this, these apps will be your main payment gateway while in China. It’s much more convenient.

Here are some easy-to-follow steps for setting up.

• Download The App: Simply download the app at your Apple or Google Play store.
• Register An Account: Click “Sign Up” or “Register” and provide your mobile number (even a foreign one)
• Verify Your Identity: Follow through with the verification process.
• Linking Your Foreign Credit Card:
• Alipay: Open the app, click on “Me”, then “Bank Cards”, and finally “+” to add your card.
• WeChat: Go to “Me”, then “Services”, “Wallet”, “Cards”, and “+ Add a Card”.

Thankfully, both apps do not charge transaction fees for amounts below 200 RMB. For transactions over 200 RMB, a 3% fee is applied. Refunds are processed proportionately to transaction fees.

For those intending to stay in China for an extended period, you should consider getting a local phone and bank card to access the full range of Alipay Singapore or WeChat payment services.

Paying by QR code

Payments using WeChat or Alipay can be done in 2 ways:

• Scan the merchant’s QR code using your app, input the payment amount, and your password.
• Let the merchant scan your payment QR code.

Finding your payment QR code is simple. On Alipay, it’s under the homepage’s search box. On WeChat, it’s under “Me”, then “Wallet”, and “Money”.

If faced with a slow network connection, adjust your phone’s positioning or connect to the establishment’s Wi-Fi.

What other payment apps and methods are available in China?

While the limelight often goes to Alipay and WeChat due to their vast user base and extensive features, there are other key players which bring their own unique merits:

1. UnionPay

Founded in 2002, UnionPay has quickly expanded its services beyond China. It is now recognized in 183+ countries and regions, surpassing Visa and MasterCard in the number of cards issued. The platform uniquely blends domestic dominance with international reach, offering a seamless payment experience in China while ensuring convenience abroad.

• Integrated digital solutions: UnionPay offers QR code payment, online payment, and contactless payment features, making it versatile in both brick-and-mortar and online settings.
• International acceptance: Over 25 million merchants outside mainland China accepted UnionPay, making it invaluable for travellers.
• Competitive exchange rates: UnionPay provides competitive currency conversion rates, especially when used in countries along the Belt and Road Initiative routes.

UnionPay supports two modes of payment: Push Mode and Pull Mode .

How to pay through the Push Mode:

• Download the UnionPay app and bind a UnionPay card.
• Activate the “Scan QR Code” function within the app.
• Scan the merchant’s QR code to initiate the payment.
• Confirm the transaction details, and the payment is complete.

How to pay through the Pull Mode:

• Download the UnionPay app and link it to a UnionPay card.
• Open the app and navigate to the QR code generation feature.
• Present the generated QR code to the merchant for scanning.
• The merchant scans the QR code, and the payment is processed.

2. International mobile payment systems

Apple Pay and Samsung Pay have ventured into China. While their adoption in China might be modest, their high-security standards and user-friendly interfaces make them reliable for the international community.

• Familiarity: For international tourists or expatriates, using these services offers a semblance of familiarity.
• Enhanced security: With tokenization, these systems replace card details with a unique code for each transaction, minimising risks associated with data breaches.
• Loyalty integration: Users can integrate various loyalty and membership cards, making it more than just a payment solution.

For expats and tourists, Apple Pay offers a sense of familiarity and its trademark user-friendly convenience. Foreigners can use the e-wallet for in-store shopping and in-app purchases in China on Apple compatible devices ofcourse.

To set up Apple Pay in China:

• Change your Apple ID country/region to China in the “Settings” app.
• Add a new payment method for China (Alipay, WeChat Pay, or UnionPay bank card).
• Follow the prompts to complete the payment authorization setup.

By using tokenization, Apple Pay replaces card details with unique codes for each transaction, minimising risks associated with data breaches. Users can also integrate various loyalty and membership cards.

Note: Before updating your location to China, ensure you’ve spent any store credit or balance on your Apple ID, cancelled subscriptions, and completed memberships, preorders, rentals, or Season Passes to avoid any technical complications.

Samsung Pay

This android powerhouse offers another convenient option for its users in China. To make a payment with Samsung Pay, simply:

• Swipe up from the bottom of the home screen, regardless of whether the phone is locked or the screen is off.
• Scan your fingerprint to authenticate the payment.
• Place your phone near the card reader.
• Check to make sure payment is processed.

3. Changi Pay

In September 2023, Changi Pay in collaboration with Liquid Group joined the Alipay+ ecosystem , allowing Singaporeans to transact with millions of Chinese merchants via the app . To use Changi Pay, you’ll need the Changi App, which has amassed over 1 million downloads on iOS and Android devices.

Key features include:

• Seamless QR code payments at Alipay+ enabled merchants across China
• Competitive exchange rates without additional platform fees.
• Up to S$25 e-vouchers when you use Changi Pay in China
• Travel Insurance from just S$1.78 per day, including comprehensive coverage, instant issuance, COVID-19 and Monkeypox protection, and 24-hour helpline support.
• Earn rewards with Changi Pay and exclusive weekly promotions worth S$60 on shopping and dining.

To use Changi Pay to pay locally in China:

Scan dynamic merchant QR

• Log onto Changi Pay
• Tap on “Pay” in the Changi App OR Tap on “Pay” in Changi Pay
• Scan the Alipay QR Code presented by the cashier
• Payment amount in Singapore Dollars will appear and tap ‘Continue’
• Tap ‘Pay’ to make payment (Do verify the payment amount before doing so)
• Payment completed

Scan static merchant QR

• Enter payment amount in CNY and tap ‘Confirm’
• Tap “Pay” to make payment (Do verify the payment amount before doing so)

The largest local bank is making headway by integrating its debit/credit cards and PayLah! App for transactions on WeChat and Alipay. Furthermore, PayLah! can tap on UnionPay’s QR code to purchase products and services. Conversely, Chinese merchants can scan the customer’s QR code as well, bringing added convenience to all Singaporeans travelling.

With the DBS PayLah! app, users can now:

• Scan UnionPay QR codes to make payments at a wide range of Chinese merchants (retail and eCommerce)
• Enjoy automatic currency conversion from SGD to RMB for hassle-free transactions
• Experience a straightforward and secure way to pay like a local in China

To use Scan UnionPay QR with DBS PayLah!:

1. Scan to Pay

• Launch PayLah! app and tap Scan
• Scan the UnionPay QR Code and enter payment amount (if required)
• Review and confirm your transaction details

2. Generate a QR Code for the merchant to scan

• Launch PayLah! app and tap My QR
• Tap on UnionPay and select either Mainland China or SG & Others
• Present your QR Code to the merchant to scan
• Tap Begin Payment

YouTrip is a popular payment app among Singaporean travellers, with one in five Singaporeans now using their service . It allows users to add their YouTrip Mastercard to Alipay and WeChat Pay without the need for a Chinese bank account. This makes it incredibly convenient for tourists to make cashless payments in China.

To link your YouTrip card to Alipay:

• Download the Alipay app, set up your account, and ensure it’s verified
• Click on ‘Me’, tap ‘Bank cards’, and select ‘+ Add Card’
• Set up your 6-digit payment password
• Enter your YouTrip Mastercard details
• To pay, tap on ‘Pay/Collect’ or the ‘Scan’ icon and scan the merchant’s QR code

To link your YouTrip card to WeChat Pay:

• Download WeChat and verify your account with your passport or ID number
• Click on ‘Services’ under ‘Me’, then go to ‘Wallet’
• Tap ‘Cards’ and click on ‘Add a card’
• Enter your WeChat PIN to verify your identity, then add your YouTrip Mastercard details
• To pay, go to ‘Me’, tap on the money icon, and scan the merchant’s QR code

6. Online transaction facilitators

Tailored to the requirements of both local and international transactions, these facilitators are indispensable for those engaged in global eCommerce or those needing to transfer money frequently. One such example is XOOM, a PayPal service that allows you to send money to China easily.

• Ease of International Transfers: With a vast network across countries, platforms like XOOM simplify cross-border transactions.
• Buyer and Seller Protection: XOOM offer protection against fraudulent transactions, ensuring peace of mind for both parties.
• Currency Flexibility: This facilitator supports multiple currencies, providing competitive conversion rates and reducing the need for multiple accounts.

How to start sending money to China with XOOM:

• Log in with your PayPal credentials or create a Xoom account.
• Enter the amount of money to send, the recipient’s details, and where they’ll receive the money in China.
• Choose a payment method: PayPal, bank account, credit card, or debit card.
• Confirm and send the money.

How to send money to mobile wallets in China with XOOM:

• Enter the amount you wish to send.
• Select “Mobile Wallet” as the receiving option.
• Provide your recipient’s mobile wallet account information.
• Choose a payment method: PayPal account, bank account, credit card, or debit card.

Frequently asked questions on digital payment methods in China

1. can you use revolut in china.

Based on recent travellers’ experiences , some users have been able to connect their Wise card directly to Alipay without using the TourCard. It appears Revolut can be linked via Alipay’s main interface. However, network errors can occur, especially when using a VPN to ensure a stable connection.

If you’re exploring local payment alternatives, consider WeBank by Tencent for its streamlined digital banking. On the other hand, Alibaba’s MYbank emphasises a user-first approach, prioritising user needs and offering 24/7 service.

2. How about paying with regular credit cards in China?

For Singaporeans keen on maximising financial benefits from their credit cards, the Bank of China offers significant advantages. Notably, Bank of China credit cards provide more transparent and f avourable exchange rates , giving cardholders an edge with the Yuan currency exchange. Furthermore, these cards often come with lower transaction fees when compared to popular services such as Wise, OFX or Paypal.

Alternatively, we recommend bringing these international bank credit cards along for better perks in China:

• DBS UnionPay Debit Card: Offers widespread acceptance and exclusive discounts at Chinese retailers.
• Citi PremierMiles Visa Card: Affiliated with Chinese banks, providing air mile accruals and more.
• HSBC Premier Mastercard: Grants access to HSBC’s vast network and exclusive privileges at various Chinese outlets.
• BOC Travel Card: This Bank of China card waives annual fees for two years and doubles international spending rewards with access to UnionPay’s vast network of over 24 million merchants and 210,000+ ATMs.

3. Is it true that you’re going to get an attitude from Chinese store owners if you use cash?

In developed cities, all transactions are synonymous with WeChat Pay and Alipay. Offering to pay cash can instantly expose your identity as a foreigner. This might be disadvantageous especially if you’re hoping to get the local rates when haggling for products you have your eye on.

However, in rural provinces, cash is still welcomed. Here, using banknotes may even resonate with a touch of nostalgia. Our ultimate advice? Carry both cash and a local e-payment option. You never know when they will come in handy.

4. Are there ATMs in China?

While the use of ATMs in China has significantly reduced due to the widespread adoption of mobile payments, teller machines can still be found in most populous places—particularly outside banks, shopping malls, transportation hubs, and convenience stores.

However, not all ATMs are foreigner-friendly. It’s essential to know which ones to use or risk getting your card eaten by the machine! It’s best to find ATMs from reputable banks that are known for being foreign cards friendly with added security:

• Bank of China (BOC)
• China Construction Bank (CCB)
• Industrial and Commercial Bank of China (ICBC)

Most Chinese ATMs accept Visa (Plus), Cirrus, Mastercard, and Maestro. They support both chip-and-pin cards and cards with only a magnetic stripe on the back. To check whether an ATM accepts your card, look for your card’s logo on the machine. Alternatively, you can find the nearest compatible ATM using Visa’s online locator or MasterCard’s online locator .

Keep in mind that Chinese ATMs charge fees, usually between RMB 20 to RMB 30 per transaction. Additionally, your domestic bank may charge additional withdrawal and foreign transaction fees.

Love-hate relationship with international payment platforms and China

The evolving relationship between global financial giants and China’s payment landscape is a captivating saga. For years, Visa, Mastercard, and American Express have navigated a maze of regulatory barriers , with the omnipresent UnionPay often overshadowing their efforts.

This integration is not just about marking a presence but ensuring that the services work harmoniously with China’s ecosystems, offering a user-friendly experience for consumers. The tie-up with Mastercard and Alipay not only shows China’s increasing openness to international financial collaborations , it hints at a future where global and local payment platforms may complement each other.

China’s gearing up for a global spotlight, hosting the 2024 Badminton World Tour and the 2025 World Games . These events aren’t just a showcase of athletic prowess. They’re an invitation to experience the nation’s advanced digital payment infrastructure.

Heading to China soon?

As China opens its doors to the world, it won’t be the Great Wall or the Terracotta Warriors that await you. You experience firsthand their cashless culture and advanced payment systems. Beyond convenience, it’s about immersing yourself in the very pulse and lifestyle of the nation. All these are made possible through a simple scan of a QR code.

Know a friend heading to China soon? Share this article to help them navigate the country’s payment ecosystem with ease.

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• Travel Destinations

How To Pay In China As A Tourist

Published: November 8, 2023

Modified: December 28, 2023

by Gwennie Garza

• Hotel Reviews
• Plan Your Trip
• Travel Tips

Introduction

China is a vibrant and diverse country, attracting millions of tourists each year with its rich history, stunning landscapes, and bustling cities. When visiting China as a tourist, it’s essential to understand the different payment methods available to ensure a smooth and convenient experience. In recent years, China has become increasingly cashless, with mobile payment systems dominating the market. However, cash is still widely accepted, especially in smaller establishments and rural areas.

In this article, we will explore the various payment methods in China, including cash, mobile payments like WeChat Pay and Alipay, UnionPay, credit cards, and currency exchange. We will also provide helpful tips for safe and convenient payments while traveling in China.

Understanding the payment landscape in China is crucial for tourists to navigate daily expenses, such as accommodation, transportation, dining, and shopping. Whether you’re exploring the historic wonders of Beijing, marveling at the modern skyscrapers in Shanghai, or immersing yourself in the picturesque landscapes of Guilin, having the right payment options at your disposal will greatly enhance your travel experience.

It’s important to note that while some payment methods are widely accepted nationwide, others may be more prevalent in specific regions or establishments. It’s always a good idea to have multiple payment options available to ensure you’re prepared for any situation.

So, let’s dive into the fascinating world of payment methods in China and discover how you can conveniently pay during your visit to this incredible country.

Overview of Payment Methods in China

China has rapidly evolved into a cashless society, with mobile payment systems leading the way. While cash is still accepted in many places, mobile payments have become the preferred method for both locals and tourists. The two most popular mobile payment platforms in China are WeChat Pay and Alipay, which are used for a wide range of transactions, from small street vendors to large shopping centers.

In addition to mobile payments, UnionPay is another widely accepted payment method in China. It is the country’s national bank card association and operates both debit and credit card services. UnionPay cards are accepted at most establishments, making it a convenient option for travelers.

Furthermore, credit cards, particularly those issued by major international companies like Visa and Mastercard, are also accepted at many hotels, department stores, and high-end restaurants in major cities. However, it’s important to note that credit card acceptance may be more limited in smaller towns or rural areas.

Lastly, cash is still widely accepted and necessary for certain transactions, especially in local markets, small eateries, and transportation options like taxis and buses. It’s always recommended to carry some cash on hand for these situations.

Now that we have a general overview of the payment methods in China, let’s delve deeper into each option, starting with cash payments.

Cash Payment

While China is gradually becoming a cashless society, cash still plays a significant role in everyday transactions, particularly in smaller establishments, local markets, and rural areas. Carrying some cash is essential for situations where mobile payment or card options may not be available.

Chinese currency is called the Renminbi (RMB), and the basic unit is the Yuan (CNY). The most commonly used banknotes are 100 yuan, 50 yuan, 20 yuan, 10 yuan, and 1 yuan. In addition, there are smaller denominations of coins, such as 1 yuan, 0.5 yuan, 0.1 yuan, and 0.01 yuan.

When using cash for payments, it’s important to have small denominations on hand, as many smaller establishments may not be able to provide change for larger bills. It’s also a good idea to carry a mix of cash denominations to cover various expenses throughout the day.

One convenient way to obtain cash in China is through Automated Teller Machines (ATMs). ATMs are widely available in all major cities and most tourist areas. Major international cards such as Visa, Mastercard, and UnionPay are accepted at ATMs, allowing you to withdraw cash in Chinese currency.

It’s worth noting that while cash is accepted in many places, some larger establishments, such as upscale hotels, restaurants, and shopping malls, may prefer or require alternative payment methods like mobile payments or credit cards. Therefore, it’s always a good idea to have multiple payment options available when traveling in China.

Now that we have covered cash payments, let’s explore the world of mobile payments in China, starting with WeChat Pay.

Mobile Payment

Mobile payment has revolutionized the way transactions are made in China, with cashless methods quickly gaining popularity across the country. WeChat Pay and Alipay, two leading mobile payment platforms, have become ubiquitous in daily life, making it incredibly convenient for locals and travelers alike.

WeChat Pay: Developed by Tencent, WeChat Pay is integrated into the immensely popular messaging app WeChat, which boasts over a billion active users. To use WeChat Pay, you’ll need to link your bank account or credit card to your WeChat account. Once set up, you can make payments by scanning QR codes displayed at participating stores, restaurants, and even street vendors. WeChat Pay also supports peer-to-peer transfers, allowing you to easily send money to friends and family. It’s important to note that you need a Chinese bank account to fully utilize WeChat Pay’s features as a tourist.

Alipay: Created by Ant Group, Alipay is another prominent mobile payment platform widely used in China. Similar to WeChat Pay, Alipay enables users to link their bank accounts or credit cards and make payments by scanning QR codes. Alipay also offers features such as utility bill payments, ride-hailing services, and the ability to invest in wealth management products. As a tourist, you can create an Alipay account using your foreign mobile number, but certain features may be limited without a Chinese bank account.

Both WeChat Pay and Alipay are widely accepted throughout China, from major chain stores to small local businesses. The ease and convenience of mobile payments mean you can leave your wallet at home and rely solely on your smartphone for financial transactions.

It’s important to note that while WeChat Pay and Alipay dominate the mobile payment landscape, some establishments may only accept one of these platforms. However, this is becoming less common as more businesses now accept both. To ensure you’re ready for any situation, it’s advisable to have both WeChat Pay and Alipay set up on your smartphone.

Next, let’s explore another popular payment method in China: UnionPay.

WeChat Pay is a mobile payment platform developed by Tencent, integrated into the immensely popular messaging app WeChat. With over a billion active users, WeChat Pay has become a dominant force in the cashless payment landscape of China.

To utilize WeChat Pay, you need to link your bank account or credit card to your WeChat account. Once set up, you can make payments by simply scanning QR codes displayed at participating stores, restaurants, and even street vendors. The convenience and ease of this payment method have made it extremely popular among both locals and tourists in China.

One of the key features of WeChat Pay is its seamless integration into the WeChat app. Apart from making payments, you can also use WeChat Pay to transfer money to friends and family, pay utility bills, top up mobile phone credit, make online purchases, and even book train and flight tickets – all within the WeChat ecosystem.

As a tourist, it’s important to note that to fully utilize WeChat Pay’s features, you would typically need a Chinese bank account. However, there are still ways for tourists to use WeChat Pay without a Chinese bank account. You can opt to link a foreign credit card to your WeChat account, which allows you to make payments at most establishments accepting WeChat Pay. Keep in mind that some features may be limited or unavailable without a Chinese bank account.

WeChat Pay has gained widespread acceptance across China, and it is now commonly used in various settings, including shopping malls, restaurants, supermarkets, and even public transportation. You can also use it to split bills with friends, as WeChat Pay allows for easy peer-to-peer transfers between users.

To start using WeChat Pay as a tourist, all you need to do is download the WeChat app on your smartphone, create an account, and follow the prompts to set up WeChat Pay. It’s a convenient and secure payment method that eliminates the need to carry cash or credit cards during your travels in China.

Now that we have explored WeChat Pay, let’s move on to another widely-used mobile payment option: Alipay.

Alipay, developed by Ant Group, is another popular mobile payment platform in China that has gained significant traction in recent years. It offers seamless and convenient payment options for both locals and travelers alike.

Similar to WeChat Pay, Alipay allows users to link their bank accounts or credit cards to their Alipay account. Once set up, you can make payments by scanning QR codes at participating stores, restaurants, and other businesses. Alipay also offers a wide range of additional services, including bill payments, wealth management, food delivery, ride-hailing, and even booking flights and hotels.

One advantage of Alipay is that as a tourist, you can create an account using your foreign mobile number. This allows you to access certain features and make payments at establishments that accept Alipay. However, it’s important to note that without a Chinese bank account, certain functionalities may be limited.

Alipay has a vast network of partner merchants, ranging from large international retail chains to local vendors. The platform is widely accepted in many establishments across China, including shopping centers, convenience stores, restaurants, and tourist attractions. Moreover, Alipay’s international partner network expands its usability beyond China, allowing you to make payments in select overseas locations as well.

Like WeChat Pay, Alipay offers a secure and efficient payment experience. Transactions are protected by advanced encryption and authentication technologies, providing peace of mind for users. Additionally, Alipay’s user-friendly interface and seamless integration with other services make it a convenient tool for managing financial transactions while traveling in China.

To start using Alipay, you need to download the Alipay app on your smartphone and follow the prompts to create an account. Once set up, you can easily link your bank account or credit card to start making payments. It’s recommended to have Alipay installed alongside WeChat Pay, as some establishments may only accept one of these mobile payment platforms.

Now that we have explored the world of mobile payments, let’s move on to another widely-used payment option in China: UnionPay.

UnionPay is China’s national bank card association, offering both debit and credit card services. It has gained prominence as a widely accepted payment method in China, making it convenient for both locals and tourists.

With UnionPay, you can use your debit or credit card to make payments at various establishments, including hotels, restaurants, shopping centers, and tourist attractions. UnionPay cards are accepted by most merchants in China, especially in urban areas and popular tourist destinations.

To use UnionPay, you simply need to swipe or insert your card into the point-of-sale (POS) terminal and enter your PIN for verification. It’s important to note that while UnionPay is widely accepted, some smaller establishments may only accept cash or mobile payments, so it’s always a good idea to have alternative payment methods available.

UnionPay cards are issued by many major banks in China as well as international institutions. If you already have a UnionPay card from your home country, it’s likely to be accepted at most POS terminals in China. However, it’s advisable to inform your bank about your travel plans to ensure that your card will work seamlessly during your stay.

In addition to being accepted domestically, UnionPay cards can also be used for international transactions. This makes it convenient for tourists who want to withdraw cash at ATMs or make card payments while traveling in China.

When using UnionPay, it’s important to keep an eye out for any transaction fees or foreign exchange charges that may apply. Some banks may charge a fee for international transactions, so it’s wise to inquire about these fees in advance.

Overall, UnionPay provides a reliable and widely accepted payment method in China. It offers the convenience and security of card payments, making it a convenient option for travelers who prefer not to rely solely on cash or mobile payment platforms like WeChat Pay and Alipay.

Now that we have covered UnionPay, let’s move on to another popular payment option for tourists in China: credit cards.

Credit Cards

Credit cards are widely accepted in major cities and tourist areas in China, making them a convenient payment option for travelers. International credit card networks such as Visa, Mastercard, American Express, and JCB are commonly accepted by many businesses, including hotels, restaurants, department stores, and upscale shopping centers.

Using a credit card in China works similarly to other countries. You can present your card at the point of sale (POS) terminal, and in most cases, you will be prompted to enter your PIN or provide a signature for verification. Some establishments may also support contactless payment technology, allowing you to make quick and easy transactions by tapping your card on the terminal.

It’s important to note that while credit cards are widely accepted, there may be instances where smaller establishments or businesses in rural areas may prefer or only accept cash or mobile payments. Therefore, it’s advisable to have alternative payment methods on hand, such as cash or mobile payment apps like WeChat Pay or Alipay.

When using credit cards in China, it’s essential to keep a few things in mind. Firstly, it’s recommended to inform your credit card issuer about your travel plans to ensure uninterrupted service during your stay. Secondly, be cautious when using your credit card for online purchases or at unfamiliar establishments to protect against potential fraud. Lastly, be aware of any foreign transaction fees or currency conversion charges that may apply when using your credit card in China.

While credit cards are a convenient payment option, it’s advisable to carry some cash or have a backup payment method available, as there may still be instances where credit card acceptance is limited. Having a mix of payment options will ensure you’re prepared for any situation and can enjoy a hassle-free payment experience during your travels in China.

Now that we’ve covered the various payment methods in China, let’s move on to discussing currency exchange and tips for safe and convenient payments.

Currency Exchange

When traveling to China, it’s important to consider currency exchange to ensure you have the local currency, Renminbi (RMB), for your transactions. Here are some essential things to know about currency exchange in China.

1. Exchange Currency Before Arrival: It’s advisable to exchange a small amount of Chinese currency before arriving in China. This will give you some local cash for immediate expenses like transportation or small purchases upon arrival.

2. ATMs: Automated Teller Machines (ATMs) are widely available in China, especially in major cities and tourist areas. ATMs allow you to withdraw cash in Chinese currency using your debit or credit card. Make sure to check with your bank about any international transaction fees or ATM withdrawal limits that may apply.

3. Bank Currency Exchange: Banks in China offer currency exchange services. It’s recommended to exchange currency at banks authorized for this service, as they generally offer competitive rates and a reliable exchange process. Avoid exchanging money with street vendors or unauthorized businesses to ensure the validity of the currency.

4. Hotels and Airports: Many hotels and airports in China have currency exchange counters where you can change your money. However, be aware that rates may not be as favorable as those offered by banks.

5. Currency Restrictions: Chinese regulations limit the amount of foreign currency that can be exchanged. It’s important to familiarize yourself with these restrictions to avoid any inconvenience.

6. Keep Receipts: It’s essential to keep the official currency exchange receipts. This will help you convert any unused Chinese currency back to your home currency upon departure.

7. Alternative Payment Methods: While it’s essential to have some Chinese currency on hand, it’s worth noting that mobile payment platforms like WeChat Pay and Alipay are widely accepted. These platforms allow you to link your bank account or credit card and make convenient electronic payments.

By considering these currency exchange options, you can ensure that you have the necessary local currency for your expenses while traveling in China. Having a mix of cash and digital payment options will provide you with flexibility and convenience during your stay.

Next, let’s move on to some tips for safe and convenient payments in China.

Tips for Safe and Convenient Payments in China

When it comes to making payments in China, it’s important to keep a few tips in mind to ensure a safe and convenient experience. Here are some helpful suggestions:

1. Carry a Mix of Payment Methods: To be prepared for any situation, it’s advisable to have a variety of payment options available. Carry some cash for smaller establishments that may not accept cards or mobile payments, and have mobile payment apps like WeChat Pay and Alipay installed on your smartphone for convenient and widespread acceptance.

2. Protect Personal Information: Be cautious when providing personal information while making payments. Ensure you are using secure networks and avoid sharing sensitive information with unknown sources or over unsecured Wi-Fi connections.

3. Monitor Exchange Rates: If you’re exchanging currency, keep an eye on the exchange rates to ensure you get a fair deal. Compare rates offered by banks, hotels, and exchange counters to find the most favorable rate.

4. Stay Alert for Scams: Unfortunately, scams exist in any destination, and China is no exception. Be cautious when approached by strangers offering deals or discounts that seem too good to be true. Stick to reputable establishments and use official channels for payments.

5. Notify Your Bank: Before traveling to China, inform your bank about your travel plans. This will ensure your debit or credit card is not flagged for suspicious activity and prevent any disruptions in card usage.

6. Keep an Eye on Your Belongings: Pickpocketing can happen in crowded areas, so be mindful of your belongings. Keep your wallet, phone, and other valuable items secure and close to you when making payments.

7. Learn Basic Chinese Phrases: While many establishments in major cities have English signage and staff who speak English, it can still be helpful to learn a few basic Chinese phrases or carry a translation app. This can aid communication during payment transactions and make the process smoother.

By following these tips, you can ensure safe and convenient payments while traveling in China. Whether you’re enjoying the vibrant streets of Beijing, exploring the ancient wonders of Xi’an, or immersing yourself in the bustling markets of Shanghai, having a reliable payment strategy will enhance your overall travel experience.

Now let’s discuss some concluding remarks.

China offers a wide range of payment methods to cater to the needs of both locals and tourists. From traditional cash payments to the convenience of mobile payment platforms like WeChat Pay and Alipay, as well as the widespread acceptance of UnionPay and credit cards, travelers have various options to make their payments in China.

With the increasing popularity of mobile payments, carrying a mix of cash and having mobile payment apps installed on your smartphone is recommended. This ensures that you are prepared for any situation, whether you’re exploring bustling cities or venturing into remote areas.

It’s important to note that while mobile payments dominate the market, cash is often still necessary for certain transactions, especially in smaller establishments and rural areas. Having smaller denominations and a mix of cash denominations will ensure you’re prepared for these situations.

When it comes to currency exchange, it’s advisable to exchange a small amount of Chinese currency before arrival and use ATMs or authorized exchange counters to obtain more as needed. Keeping track of exchange rates and understanding any restrictions or fees associated with currency exchange will help you make informed decisions throughout your trip.

To ensure safe and convenient payments in China, it’s crucial to protect your personal information, stay alert for scams, and notify your bank of your travel plans. Being vigilant about your belongings and learning some basic Chinese phrases can also enhance your payment experience and communication with vendors.

By familiarizing yourself with the available payment methods, understanding the nuances of each option, and following the tips provided, you can navigate the payment landscape in China with ease and confidence.

So whether you’re marveling at the Great Wall, exploring the breathtaking landscapes of Zhangjiajie, or indulging in delectable local cuisine, you can focus on creating lasting memories while having a convenient and secure payment experience in China.

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[2023 Update] How to Set up and Use WeChat Pay When Traveling in China

China Travel Experts

Hey fam! Just a heads up, some of the links I share may be affiliate links. If you decide to make a purchase through those links, I might earn a small commission. ☕️ Don't worry though, it won't cost you anything extra! Thanks for being a rockstar and helping me keep the content flowing! 😊

Due to China's advanced digital infrastructure and cashless habit, WeChat Pay(Weixin Pay) and Alipay wallets are a must for every visitor.

I recommend WeChat Pay the most, as WeChat (also known as Weixin) is the social app every Chinese has.

It covers any payment scenario, from supermarkets, restaurants, street vendors to taxis.

I've helped many foreign friends set up WeChat Pay.

Here is my latest guide to share.

Latest Update

Tencent (WeChat's parent company) has announced partnerships with Visa, Discover, JCB, Mastercard and other international card networks.

This means as a foreign visitor, you don't need a Chinese bank account. You can directly link your international card to WeChat for payments.

Many people report being unable to receive WeChat verification codes with their home number.

A mainland China SIM card can be your savior.

China SIM Card

Easily register for various services in China

Receiving SMS Free

One-time payment

If you make a purchase, we may earn a commission at no extra cost to you.

Note: I recommend you be sure to keep your Chinese phone number if you expect to travel to China many times.

Requirements for Setting up WeChat Pay

1. identity document.

• Passport — For most tourists, this option works.
• Foreign Permanent Resident ID Card
• Mainland Travel Permit for Hong Kong and Macao Residents
• Mainland Travel Permit for Taiwan Residents
• Residence Permit for Hong Kong and Macao Residents
• Residence Permit for Taiwan Residents

2. Card Requirement(Credit or debit cards are fine)

• Diners Club
• And other international cards

3. Phone Number

Officially it says you don't need a mainland(+86) China number. Any overseas number that can receive SMS verification codes works.

But I recommend using a mainland China SIM card , it avoids many headaches with not receiving verification codes.

How to Set up Wechat Pay for Foreigners?

This is very easy to do. Here is a step-by-step guide.

Step 1: Download and register WeChat

Step 2: Tap Me -> Services -> Wallet

Notes: Enable Weixin Pay this way, if you can't find the entrance

Step 3: Fill in your identity info and add your card

Pro-tips for Set up Wechat Pay

1. you need to enter your name exactly right..

Your passport name, bank card name, and WeChat verified name should match exactly, including: same name order, spaces, and capitalization .

For example, don't put Anne Smith as ANNESMITH or it may fail verification.

2. You don't need (and can't) top up your WeChat Wallet.

This is just a payment feature for foreign tourists, not a full wallet like mainland Weixin. Given China's strict foreign exchange and anti-money laundering controls, the limitations don't surprise me.

How to Use Wechat to Pay?

1. pay at brick-and-mortar stores.

At malls, restaurants, hotels, chain convenience stores etc., you can scan their QR code or have them scan yours to pay. These places generally accept both ways of paying.

But for street stalls or small shops in small cities, you'll usually need to scan their QR code to pay.

2. Book and buy attraction tickets

You generally need to book tickets in advance for top attractions in Chinese cities. Luckily you don't need to physically line up – just use WeChat and you're all set.

Here's an example of me booking the Great Wall (Badaling Great Wall) tickets:

1. Search and follow Badaling Great Wall's official WeChat account.

2. Go to ticket booking page and select your ticket type.

3. Select the time slot and pay online.

Select your passport and fill in the details. If booking multiple tickets, each person will need to provide their ID information.

How to Cancel Wechat Pay?

1. log into WeChat > Me > Services > Wallet

2. Then click Payment settings > Cancel Wechat Pay

In general, as a foreigner without a Chinese bank account linked, you can't have a WeChat Pay balance. But if you do, you'll need to fully spend or withdraw it before closing WeChat Pay.

Important Notes When Using WeChat Pay

1. If you haven't linked a Chinese bank account, you can only use WeChat Pay to make payments, not top up, transfer money or receive red packets(hongbao).

2. A 3% fee is charged for transactions over 200 RMB(28 USD).

3. Payment limits: 6,000 RMB(835 USD) per transaction, 50,000 RMB(6,957 USD) monthly, and 60,000 RMB(8,348 USD) annually.

4. Don't turn on VPN when making payments or they may fail.

5. Sometimes when you scan a street vendor's QR code it may fail – because they use personal codes unable to process card payments. In such cases, you can only use cash.

Did you know?

I also have the latest tutorial on how to set up and use Alipay .

What is WeChat Pay?

WeChat Pay (Chinese: 微信支付; Aka Weixin Pay) is a mobile payment and digital wallet service by WeChat based in China that allows users to make mobile payments and online transactions.

It is one of the most popular mobile payment platforms in the world, with over 1 billion active users.

WeChat Pay works by linking users' bank accounts or credit cards to their WeChat account. Once a user has linked their payment method, they can scan a QR code or enter a merchant's WeChat ID to pay for goods or services.

WeChat Pay is accepted by merchants all over China, and it is also available in a number of other countries, including Hong Kong, Macau, Singapore, and the United States.

Can Foreigners Use Wechat Pay?

Yes, foreigners can use WeChat Pay in China.

In fact, WeChat Pay is one of the most popular payment methods for foreigners in China.

Can I Use Wechat Pay Without a Chinese Bank Account?

Yes you can!

WeChat now allows directly linking international bank cards for payments, including Visa, Mastercard etc.

Can Foreigners Use Wechat Pay Outside China?

The answer is No.

Outside mainland China, you can't use WeChat Pay without a Chinese ID.

Is Wechat Pay Safe?

Yes, WeChat Pay is very safe. I've never heard of stolen payment cases, and they never leak your card details.

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Travelers to China can finally experience its cashless economy like a local

For foreigners visiting China, paying for things in the country’s increasingly cashless society has been a major frustration. Now, visitors will be able to shop like locals: with an app on their phone.

Short-term visitors to mainland China can download a version of the Alipay app to pay for things using QR codes, according to a statement today from parent company Ant Financial. Travelers are able to use Alipay’s “Tour Pass” program, which allows them to use a prepaid card service from the Bank of Shanghai. Visitors can top up the card in Chinese yuan via with their usual credit or debit card.

Digital payments in China are dominated by the Alipay and WeChat Pay mobile wallets. Until now, visitors were unable to use these systems, which typically require a local phone number and Chinese bank account. Alipay handled some $3.8 trillion of transactions in the fourth quarter of 2018, according to China Internet Watch, compared with $2.7 trillion for Tencent’s WeChat Pay (Quartz member exclusive).

Tencent is also working with card networks like Visa and Mastercard to connect them to WeChat Pay, enabling tourists in China better access to the country’s cashless systems. “This partnership means that we’ll be working towards an environment where Visa cardholders will be able to use their Visa card in China at the millions of places where WeChat Pay is accepted, instead of having to rely on cash,” Visa said in a statement.

More than 30 million international visitors went to China in 2018, a 4.7% increase from the year before, according to a statement from Ant Financial, citing government data. Tourists spent $73.1 billion in the country last year.

Ant Financial is an affiliate of Alibaba. The companies recently restructured their relationship, with Alibaba taking a 33% stake in Ant, according to the Financial Times (paywall). The move may clear the way for an Ant Financial IPO.

“The launch of this new service will improve the experience of foreign visitors to China, as the app could be used in so many scenarios,” said Shen Meng, director at Chanson & Co., a Beijing-based boutique investment bank.

The Alipay mobile app for international users comes with some restrictions. The minimum top-up for each pre-paid card is 100 yuan ($14), with a maximum of 2,000 yuan ($285). The card is valid for 90 days, after which any remaining funds are refunded.

Foreign access to Alipay and WeChat Pay, however limited, could shake up the competitive dynamic with Visa and Mastercard, the US card-network giants that have long been shunned by the Chinese government. If tourists and business travelers can access the ubiquitous Alipay terminals as if they were locals, it reduces the rationale for Visa and Mastercard to push for more widespread acceptance of international payment cards on behalf of their customers.

Nov. 6: This story was updated in the fourth paragraph to show that Tencent is also working with card networks to give visitors access to WeChat Pay.

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Payment Methods in China: Tourist Guide

The Rise of Mobile Payment in China

Popular mobile payment apps: alipay and wechat, how to pay with qr codes (scan or be scanned), tour card in alipay, online shopping with alipay and wechat, transferring money with alipay and wechat, other payment apps, internet banking, traditional payment methods.

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China, with the world's largest population and rapidly expanding economy, leads the way in mobile payment adoption. As most consumers utilize QR-code-driven digital wallets, understanding the financial environment in China can be daunting for visitors.

However, fear not! This guide will equip you with everything you need to know about using digital and traditional payment methods in China.

Over the past decade, mobile payments have become an integral part of Chinese society. The majority of transactions are now conducted via apps and online, particularly with the younger, tech-savvy demographic. This shift has been fueled by the rise of "super-apps" like Alipay and WeChat that not only facilitate payments but also offer a plethora of other services like food delivery, ride-hailing, and social networking.

In fact, these digital wallets have become so popular that traditional payment methods like cash and credit cards have waned in popularity. They are now primarily used by the older generation and in rural areas where digital infrastructure is less developed.

The dominant forces in China's mobile payment landscape are WeChat, developed by Tencent, and Alipay, a product of Alibaba. Together, these two giants dominate the market, becoming integral to the Chinese economy.

Alipay, locally referred to as Zhifubao, is integrated with other widely used applications like Didi for ride-hailing and Taobao, China's leading online retail platform. Many Chinese residents rely on Alipay for their daily financial activities.

Conversely, WeChat, known as Weixin locally, is not only a digital wallet but also serves as a social media platform, communication tool, and entertainment center with mini programs ranging from branded services to travel health codes. It's a staple in the daily lives of the Chinese population, with many using it for both communication and payments. In 2023, WeChat Pay is made accessible to tourists in China, allowing them to make payments across a vast range of services and merchants. By linking their international Visa cards to their WeChat account, visitors can seamlessly transact in the country's predominantly cashless society.

Setting up Alipay and WeChat

Setting up these payment services is a relatively simple process. Both Alipay and WeChat have introduced the option of binding foreign bank cards, making it easier for tourists to use these services during their visit. However, make sure to download and set up these apps before your trip to China.

To re gister for Alipay or WeChat, follow these steps:

• Download the Alipay/WeChat app from your device's app store.
• Tap on the "Sign Up" or "Register" button.
• Enter your mobile phone number and tap on the verification button to receive a confirmation code via SMS.
• Enter the confirmation code, verify your mobile number, and complete the registration (passport may be needed) process.
• Once you've completed the registration, you can then link your Visa or Master bank card to the app.

One of the unique aspects of mobile payments in China is the use of QR codes. There are two primary ways to pay using QR codes in China:

Left: Receive Payment, Right: Make Payment

Scanning the merchant's QR code: Open the app, tap on "Scan", and scan the merchant's QR code. Then, enter your payment amount and password to complete the transaction.

Present your payment QR code: Open the app, go to your payment section, and present your payment QR code to the merchant. The corresponding payment amount will be automatically deducted from your account.

If you use Alipay, instead of paying directly from your bank card, you can choose to open a temporary debit account with Bank of Shanghai through their Tour Card mini app. Just search for Tour Card and activate it. The account will last for 3 months after which it will be cancelled, and all the funds will be refunded. During the activated period of 3 months, you can only load up to a maximum amount of 10,000 CNY.

Online shopping is another area where mobile payments have become ubiquitous. Platforms like Taobao/Tmall and Jingdong have integrated Alipay and WeChat respectively into their payment systems, making it easy for users to make purchases.

If you need to split bills or make more informal payments, person-to-person transfers are a fantastic option. Both Alipay and WeChat offer this feature, with WeChat being the more popular choice due to its larger user base.

While Alipay and WeChat dominate the mobile payment landscape, there are other options available. UnionPay, the umbrella organization for all of China's card payment and ATM services, offers a mobile payment app. However, it has not gained as much popularity due to its single-function nature.

If you prefer a more traditional approach, you can also use internet banking. You can transfer money to larger Chinese banks like Bank of China or Bank of Communications using your foreign account's internet banking platform. However, do note that making direct payments to a business or individual with a bank account in China may not be possible due to international banking restrictions.

While digital payments are the norm in China, traditional methods like cash and cards are still accepted. However, cash is quickly becoming a thing of the past, and foreign cards often come with high inter-bank and overseas fees.

Navigating the world of Chinese mobile payments can be daunting, but with this guide, you should be well-equipped to handle any financial situation you encounter in China. Remember, while digital payments are preferred, traditional payment methods are still widely accepted. So whether you're shopping in bustling city markets or dining in a local restaurant, you'll be able to enjoy a seamless, cashless payment experience.

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Travel Advisory June 30, 2023

See summaries - mainland china, hong kong & macau.

Reissued with updates to wrongful detention language and information for the Hong Kong and Macau Special Administrative Regions (SARs).

Summary: Reconsider travel to Mainland China due to the arbitrary enforcement of local laws, including in relation to exit bans, and the risk of wrongful detentions .

Exercise increased caution when traveling to the Hong Kong SAR due to the arbitrary enforcement of local laws .

Reconsider travel to the Macau SAR due to a limited ability to provide emergency consular services . Exercise increased caution when traveling to the Macau SAR due to the arbitrary enforcement of local laws .

See specific risks and conditions in each jurisdiction. 

Embassy Messages

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Recommend consult with travel clinic

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Embassies and Consulates

U.S. Embassy Beijing No. 55 An Jia Lou Road Chaoyang District, Beijing 100600 Telephone: +86 10-8531-4000 Emergency After-Hours Telephone: +86 10-8531-4000 Fax: +86 10-8531-3300 Email: [email protected] This consular district includes Beijing, Tianjin, Gansu, Hebei, Inner Mongolia, Ningxia, Qinghai, Shaanxi, Shandong, Shanxi, Xinjiang, Chongqing, Guizhou, Sichuan, Yunnan, and Tibet.

U.S. Consulate General Hong Kong & Macau 26 Garden Road Central, Hong Kong Telephone:  +852 2841-2211, +852 2841-2225, +852 2841-2323   Emergency After-Hours Telephone:  +852 2523-9011   Fax:  +852 2845-4845 Email:   [email protected]   This consular district includes the Hong Kong and Macau Special Administrative Regions (SARs).

U.S. Consulate General Guangzhou No. 43 Hua Jiu Road Zhujiang New Town Tianhe District, Guangzhou 510623 Telephone: +86 20-3814-5775 Emergency After-Hours Telephone: +86 10-8531-4000 Fax: +86 20-3814-5572 Email:   [email protected]  This consular district includes Fujian, Guangdong, Guangxi, and Hainan.

U.S. Consulate General Shanghai No. 1469 Huai Hai Zhong Road Xuhui District, Shanghai 200041 Telephone: +86 21-8011-2400  Emergency After-Hours Telephone: +86 10-8531-4000  Fax: +86 21-6148-8266  Email:   [email protected]  This consular district includes Shanghai, Anhui, Jiangsu, and Zhejiang.

U.S. Consulate General Shenyang No. 52 14th Wei Road Heping District, Shenyang 110003 Telephone: +86 24-2322-1198  Emergency After-Hours Telephone: +86 10-8531-4000 Fax: +86 24-8610-6904  Email:  [email protected]  This consular district includes Heilongjiang, Jilin, and Liaoning.

U.S. Consulate General Wuhan No. 396 Xin Hua Road Wuhan Minsheng Bank Building Jianghan District, Wuhan 430015 Telephone: +86 27-8563 2800  Emergency After-Hours Telephone: +86 10-8531-4000  Fax:  +86 27-5949 6496 Email:  [email protected] This consular district includes Henan, Hubei, Hunan, and Jiangxi.

Destination Description

See the U.S. Department of State’s Fact Sheet on the People's Republic of China for information on U.S.-China relations. 

Entry, Exit and Visa Requirements

Entry & Exit:

• Obtain a visa prior to arrival in the People’s Republic of China (PRC) and have a passport with at least six months' validity remaining. The lack of either will result in a fine and immediate deportation upon arrival.
• Apply for a ten-year multiple entry visa, useful for repeated travel, or trips to the Hong Kong or Macau Special Administrative Regions (SARs) with returns to mainland China.
• If you plan to work in the PRC, be sure to obtain the correct visa. Working in the PRC is not permissible on a student or tourist visa, and may result in detention, criminal charges, imprisonment, and deportation.
• You must have a valid visa to exit the PRC and you must leave the PRC before the expiration of the listed duration of stay.
• Do not travel to the PRC if you have a warrant for your arrest in the United States.

Lack of a visa, having an expired visa, or overstaying your visa will result in detention and/or fines.

• Apply for a visa extension from the local  Entry-Exit Bureau  before attempting to leave the PRC. Do not expect your request to be expedited, so apply ahead of time.
• Staying in the PRC on an expired visa may lead to a fine, imprisonment, and deportation.
• Visit the website of the  Embassy of the People’s Republic of China in the United States of America  for current visa information as well as information on the PRC’s immigration and nationality laws.

The Tibet Autonomous Region (TAR): The TAR requires special permits for tourist travel, most often obtained through a travel agent in the PRC. If you do enter a restricted area without the requisite permit, you could be fined, taken into custody, and deported for illegal entry. To learn more about specific entry requirements for the TAR or other restricted areas, check with the  Embassy of the People’s Republic of China in the United States of America . The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to or foreign residents of the PRC. Transiting the PRC:

• When transiting certain international airports, you may stay in mainland China without a PRC visa. However, this “visa-free travel” permit is only valid for the city of arrival and does not allow you to visit other cities in the PRC.
• The duration of allowed stay and how broadly you may travel varies by region.
• Transiting without a visa requires a valid passport with at least six months of remaining validity, a visa for your onward destination (if necessary), and an onward ticket from the same location.
• You must inform your airline upon check-in and get an endorsement stamp at the immigration desk before leaving the airport.
• Consult the  Embassy of the People’s Republic of China in the United States of America  for a current list of eligible airports and more detailed guidance.
• PRC border officials have the authority to deny foreign travelers’ entry to the PRC without warning or explanation. The U.S. Embassy and Consulates General cannot intervene on your behalf if denied entry to the PRC.

During Your Stay: 

• Failure to register your stay within 24 hours of arrival in the PRC could result in fines and deportation. You can register with hotel staff or the local police station. 
• Local regulations require foreigners to carry valid passports and PRC visas or residence permits at all times.
• Entry and exit requirements are strictly enforced, as are restrictions on activities allowed by any particular visa class.
• Police, school administrators, transportation officials, and hotel staff may check your visa to make sure you have not overstayed. If you overstay your visa’s duration of stay, you may be denied service by hotels, airports, and train stations, as well as face fines and detention.
• If you encounter problems in the Tibet Autonomous Region, the U.S. government has limited ability to provide assistance because the PRC government does not usually authorize U.S. government personnel to travel there, even to provide consular assistance to U.S. citizens.

Dual Nationality: The PRC government does not recognize dual nationality.  If you are a dual national of the United States and the PRC, or otherwise have ethnic or historical ties to the PRC, it is possible that PRC authorities will assert that you are a PRC citizen, limit your ability to access certain consular services, and, if you are detained, deny your access to U.S. consular officials. Because the PRC government does not recognize dual citizenship, dual U.S.-PRC citizens may face a number of hurdles when seeking public benefits in the PRC. U.S. citizens who are also citizens of the PRC may experience difficulty in accessing benefits in the PRC, such as enrollment in public schools, treatment at public hospitals and clinics, or obtaining PRC identity and citizenship documents, such as passports. U.S.-PRC dual citizens must navigate conflicting aspects of PRC nationality, which the PRC government may inconsistently apply.

If you are a naturalized U.S. citizen or have a possible claim to PRC citizenship, and you are traveling to the PRC, inform yourself about PRC nationality law and practices relating to determination and loss of PRC citizenship. PRC authorities generally consider a child born in the PRC to at least one PRC-national parent to be a PRC citizen, even if the child was issued a U.S. passport at the time of birth. If you have or had a claim to PRC citizenship and your child is born in the PRC, prior to departing the PRC with your child, you may wish to contact the local Public Security Bureau and/or Entry-Exit Bureau for information on obtaining a travel document. If you have or had a claim to PRC citizenship and your child is born in the United States, please contact the Embassy of the People’s Republic of China in the United States of America for specific information on the documentation requirements to bring your child to the PRC.

Find information on  dual nationality ,  prevention of international child abduction , and  customs regulations  on our websites.

Safety and Security

For most visitors, the PRC remains a very safe country. Traffic accidents are the most common safety concern for U.S. citizens. Training, capability, and responsiveness of PRC authorities vary by region and even by city. The U.S. Embassy and Consulates General have no law enforcement authority and may not represent U.S. citizens in either criminal or civil legal matters.

To ensure your safety and security in the PRC, you should:

• Take routine safety precautions.
• Pay attention to surroundings.
• Report any concerns to the local police.
• Call “110,”  the local equivalent to “911”. English services are often available, but you should not expect English services in remote parts of the PRC.

Violent crime is not common in the PRC, however:

• While sanctioned demonstrations must be approved by PRC authorities, they can turn violent.
• Domestic unrest and terrorism can occur.
• Business disputes between U.S. citizens and PRC-national business partners can sometimes result in physical confrontation, detainment, or coercion. Go straight to the police if you feel threatened or relocate to a public place.

Be alert to criminal schemes, such as:

• “Tourist Tea” Scams: PRC nationals invite visitors out to tea and leave them with an exorbitant bill.
• Phone Scams:  Callers pose as police officers and request a funds transfer to resolve an identity theft or money laundering investigation. In these cases, DO NOT WIRE any money. If you receive any suspicious calls or requests, contact the local Public Security Bureau to verify the caller’s identity.
• “Unlicensed or Unapproved Cabs”:  Taxi and ridesharing services in China are generally licensed by authorities. Be cautious when using taxi or ridesharing services that are not accessible through mobile applications. If you use the locally approved taxi service, insist that the driver use the meter, and get a receipt. Have the name of your destination written in Chinese characters and ask the driver to remove the bags from the trunk before you get out of the taxi and before you pay.
• Counterfeit Currency:  Although counterfeit currency has been a concern in the PRC the past, making purchases in cash is increasingly less common as most vendors prefer payments through local mobile payment apps. When you need cash, use only ATMs at trusted financial institutions, and carry a variety of denominations as vendors may have limited cash on hand as change.

Be alert to criminal schemes, such as internet, phone scams, dating scams, as well as financial scams. If you already have been victim of a scam, catalogue as many details as possible, including names, telephone and bank numbers, and email and IP addresses; file a police report, and inform the U.S. Embassy or nearest U.S. Consulate General. See the  U.S. Department of State's  and the  U.S. Federal Bureau of Investigation (FBI)'s  pages for information on scams. Victims of Crime:  Report crimes to the local police and contact the U.S. Embassy or nearest Consulate General. U.S. citizen victims of sexual assault can contact the local police and should contact the U.S. Embassy or nearest U.S. Consulate General.

Remember that local authorities are responsible for investigating and prosecuting the crime. See our webpage on  help for U.S. victims of crime overseas .

We can: 

• Help you find appropriate medical care.
• Assist you in reporting a crime to the police.
• Contact relatives or friends with your written consent.
• Provide general information regarding the victim’s role during the local investigation and following its conclusion.
• Provide a list of local attorneys.
• Provide our information on  victim’s compensation programs in the United States .
• Provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution.
• Help you find accommodation and arrange flights home.
• Replace a stolen or lost passport.

Lost or Stolen Passports:  If your passport is stolen, you must apply for both a new passport at the U.S. Embassy or nearest U.S. Consulate General and a new PRC visa. File a police report at the nearest police station right away. You may also be directed to file a report at the local Exit-Entry Bureau .

Domestic Violence:  U.S. citizen victims of domestic violence may contact the U.S. Embassy or nearest U.S. Consulate General for assistance. Domestic violence in the PRC is rarely recognized as a crime.

Tourism:  The tourism industry is unevenly regulated, and safety inspections for equipment and facilities do not commonly occur. Hazardous areas/activities are not always identified with appropriate signage, and staff may not be trained or certified either by the PRC government or by recognized authorities in the field. In the event of an injury, appropriate medical treatment is typically available only in/near major cities. First responders are generally unable to access areas outside of major cities to provide urgent medical treatment. U.S. citizens are encouraged to purchase medical evacuation insurance . 

Local Laws & Special Circumstances

Criminal Penalties:   You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned.

Some laws are also prosecutable in the United States, regardless of local law. See  crimes against minors abroad  and the U.S. Department of Justice  website.

Arrest Notification: If you are arrested or detained, ask police or prison officials to notify the U.S. Embassy or nearest U.S. Consulate General immediately.

• PRC authorities must notify a U.S. consular officer within four days; however, this does not always occur in a timely manner.
• A consular officer may be the only authorized visitor during your initial detention period.
• Bail is rarely granted.
• Detention may last many months before a trial.
• The U.S. Embassy or nearest U.S. Consulate General is unable to represent you in a legal matter.
• Travelers to the PRC should enroll in the State Department’s  Smart Traveler Enrollment Program (STEP)  and you may wish to have someone contact the U.S. Embassy or nearest U.S. Consulate General if you are detained.
• Please see the section on DUAL NATIONALITY for the limits on consular notification and access to dual nationals.
• See U.S. Department of State’s  webpage  for further information.

The PRC legal system can be opaque and the interpretation and enforcement of local laws arbitrary. The judiciary does not enjoy independence from political influence. U.S. citizens traveling or residing in the PRC should be aware of varying levels of scrutiny to which they will be subject from local law enforcement and state security. 

Certain provisions of the Criminal Law of the People’s Republic of China, such as “social order” crimes (Article 293) and crimes involving “endangering state security” and “state secrets” (Article 102 to 113), are ill-defined and can be interpreted by the authorities arbitrarily and situationally. Information that may be common knowledge in other countries could be considered a “state secret” in the PRC, and information can be designated a “state secret” retroactively. Drug and Alcohol Enforcement:

PRC law-enforcement authorities have little tolerance for illegal drugs, including marijuana. Penalties for possessing, using, or trafficking illegal drugs in the PRC are severe, and convicted offenders can expect long jail sentences, heavy fines, or the death penalty. Police regularly conduct unannounced drug tests on people suspected of drug use and have been known to enter a bar or nightclub and subject all patrons to immediate drug testing. Police may force you to provide a urine, blood, or hair follicle sample on short notice. A positive finding, even if the drug was legal elsewhere or consumed prior to arriving in the PRC, can lead to immediate detention, fines, deportation, and/or a ban from re-entering the PRC.

The PRC also has strict laws against driving under the influence of alcohol that can lead to immediate detention on a criminal charge.

Assisted Reproductive Technology:  In vitro fertilization (IVF) is widely and legally practiced. PRC law, however, strictly forbids surrogacy, and surrogacy contracts will not be considered valid. The use of reproductive technology for medical research and profit is strictly controlled. Contracts and Commercial Disputes:  Before entering into a commercial or employment contract in the PRC, have it reviewed by legal counsel both in the United States and in the PRC. The  U.S. International Trade Administration  can assist you in identifying and vetting business contacts and opportunities but may not intervene in contract disputes. Many U.S. citizens have reported difficulty getting their contracts enforced by PRC courts or being forced out of profitable joint-ventures without opportunity to secure legal recourse in the PRC. Counterfeit Goods:  Do not buy counterfeit or pirated goods. Bootlegs are illegal in the United States, and you may also be breaking local law by purchasing them.

Cruise Ship Passengers:  Click here for  safety information and travel advice .

Digital Payments: The PRC has transitioned to almost a predominantly cashless society. Some mobile phone applications offer a digital payment solution for individuals visiting the PRC on a temporary or long-term basis. Often, payment is made through an individual using their mobile phone to scan a vendor or business’s QR code. The number of locations accepting foreign credit cards has decreased in recent years. Visitors to the PRC should research whether the locations they are visiting will accept foreign credit cards and familiarize themselves with mobile digital payment options prior to traveling to the PRC.

Earthquakes:  Earthquakes occur throughout the PRC. Check here for information about preparing for a crisis or disaster overseas.

English/Secondary School Teachers:  English teachers in the PRC frequently report employment disputes which can result in questioning by local authorities, termination, lost wages, confiscation of passports, forced eviction from housing, and even threats of violence.

Exit Bans:  Business disputes, court orders to pay a settlement, or government investigations into both criminal and civil issues may result in an exit ban which will prohibit your departure from the PRC until the issue is resolved. Even individuals and their family members who are not directly involved, or even aware of these proceedings, can be subject to an exit ban. Additionally, some local businesspeople who feel that they have been wronged by a foreign business partner may hire "debt collectors” to harass, intimidate, and sometimes physically detain foreign business partners or family members in hopes of collecting the debt. The U.S. Embassy or nearest U.S. Consulate General can provide a list of local attorneys who serve U.S. clients but are otherwise unable to intervene in civil cases. Local law enforcement authorities are generally unwilling to become involved in what they consider private business matters and may not provide the individual who has been barred from leaving the PRC with any written notice of the exit ban.

Faith-Based Travelers:   See our following webpages for details:

• Faith-Based Travel Information
• International Religious Freedom Reports
• Country Reports on Human Rights Practices
• Hajj Fact Sheet for Travelers
• Best Practices for Volunteering Abroad

LGBTQI+ Travelers:  Same sex marriages are not legally recognized in the PRC and local authorities will not provide marriage certificates to same-sex couples. There are no civil rights laws that prohibit discrimination or harassment based on sexual orientation or gender identity, though homosexuality has been decriminalized. Prejudices and discrimination still exist in many parts of the country. There are growing LGBTQI+ communities in some of the largest cities in the PRC and violence against LGBTQI+ individuals in the PRC is relatively rare. See  Section 6 of our Human Rights Practices in the Human Rights Report for the People's Republic of China  and read our  LGBTQI+ Travel Information page .

Non-Governmental Organizations (NGOs):  In January 2017, the PRC implemented a law regulating the operations of foreign NGOs in the PRC. NGOs and their employees should ensure they are complying with all relevant statutory requirements, particularly if working in sensitive areas or fields. Additionally, the PRC government announced sanctions on five U.S.-based NGOs in December 2019.

North Korea:  Do not travel to the Democratic People’s Republic of Korea (North Korea) due to the serious risk of arrest and long-term detention of U.S. nationals. For further information, consult the  North Korea International Travel Information page  and the  North Korea Travel Advisory .

Political and Religious Activity:  Participating in unauthorized political or religious activities, including participating in public protests or sending private electronic messages critical of the government   may result in detention and PRC government-imposed restrictions on future travel to the PRC. Although the PRC constitution permits freedom of religious belief, it does not permit freedom of religious practice and government officials are increasing pressure on domestic religious activities. The U.S. Mission to the PRC has observed an increase in the number of U.S. citizens being interrogated, detained, and/or forced to leave the country in connection with real or perceived religious proselytization. U.S. citizens have been detained and/or expelled for distributing religious literature, including Bibles, or engaging in unauthorized religious meetings. If you bring religious literature with you, local law dictates that it be a “reasonable amount” for your personal use. If you attempt to bring larger quantities, the literature will likely be confiscated and you may be fined, detained, or deported. Social Insurance:  The PRC has a social insurance system to which foreigners who work in the PRC must contribute. When you sign an employment contract, you must apply for a social insurance number, and it is important that your employer work with you to comply with the regulations. Please check the official website for updated information. Social Media:  Social media accounts are widely monitored in the PRC. Local authorities may use information they deem critical, controversial, or that might involve illegal activity against both the poster of the material and the host of the social media forum under local law. Individuals have also been held responsible for the content that others place within social media spaces they control, such as the comments section under a post or within a group chat that an individual controls.

Special Scrutiny of Foreign Citizens:  On occasion, U.S. citizens visiting or resident in the PRC have been interrogated or detained for reasons said to be related to “state security.” In such circumstances, you could face arrest, detention, or an exit ban prohibiting your departure from the PRC for a prolonged period. Dual U.S.-PRC nationals and U.S. citizens of Chinese heritage may be at a higher risk of facing such special scrutiny. Information about  dual nationality  can be found on our website. Students: See our  U.S. Students Abroad  page and  FBI travel tips .

Surveillance and Monitoring:  Security personnel carefully watch foreign visitors and may place you under surveillance. Hotel rooms (including meeting rooms), offices, cars, taxis, telephones, internet usage, ​digital payments, and fax machines may be monitored onsite or remotely, and personal possessions in hotel rooms, including computers, may be searched without your consent or knowledge. Security personnel have been known to detain and deport U.S. citizens sending private electronic messages critical of the PRC government. Transferring Money to/from the PRC:  The regulatory environment in the PRC includes tightening capital outflow controls that can severely impact one’s ability to move money out of the country. Wire transfers may only be available to those who have an active bank account in the PRC. Ask your local bank location in the PRC for more information. The U.S. Department of State may be able to help transfer funds to a destitute U.S citizen overseas through our office in Washington, D.C., to a U.S. Embassy or U.S. Consulate General abroad. More information on this option is available  here .

Travelers Who Require Accessibility Assistance:  U.S. citizens with mobility disabilities may face challenges while traveling in the PRC. Sidewalks often do not have curb cuts and many streets can be crossed only via pedestrian bridges or underpasses accessible by staircase. Assistive technologies for blind people and those with other vision disabilities are unreliable, and access to elevators in public buildings can be restricted. In major cities, public restrooms in places visited by tourists usually have a least one accessible toilet. See  Persons with Disabilities in the Human Rights Report for the People's Republic of China (2022) .

Typhoons:  The southeast coast of the PRC is subject to strong typhoons and tropical storms, usually from July through September. For current information, please consult the Joint Typhoon Warning Center in Honolulu  and the  National Weather Service's Central Pacific Hurricane Center . Women Travelers: If you are a woman traveling abroad, please review our travel tips for  Women Travelers .

Xinjiang Uyghur Autonomous Region:  Extraordinary security measures are in place through the region. Authorities may impose curfews and restrictions on short notice. They may also engage in invasive surveillance techniques against individuals. Expect significant travel delays, avoid gatherings and demonstrations, always carry ID, and follow the instructions of local authorities. Travelers with ethnic ties to the region may experience special restrictions, discrimination, and even arbitrary detention.

COVID-19 Entry Requirements: There are COVID-related entry requirements in place for U.S. citizens.

• As of May 3, 2023, a negative COVID-19 PCR test or rapid antigen test (home tests are acceptable) within 48 hours of boarding is required for entry. Test results must be self-declared through a Health Declaration Form or through the China Customs smartphone app. Airlines will not check test results anymore. For more information, please see this notice .
• No proof of vaccination against COVID-19 is required for entry.
• There is no quarantine period for travelers upon arrival.

COVID-19 Testing: U.S. citizens can obtain a COVID-19 test at most hospitals and clinics in the PRC. They can choose between PCR and antigen tests, which are both available. The cost of the test is about $17 U.S. dollars, but it may vary depending on the location. The test fee is not covered by the host government and must be paid by the U.S. citizen. Test results are usually returned within 12 to 24 hours by email, text, or an update to the local COVID-19 monitoring app. For more information, please see this notice .

COVID-19 Vaccines:  Certain COVID-19 vaccines are available for U.S. citizens to receive in the PRC.

• The PRC government has conditionally authorized several vaccines that are currently available to foreigners residing in the PRC. The two most commonly available, Sinopharm and Sinovac, have not yet received approval by the Food and Drug Administration (FDA) of the United States. Sinopharm and Sinovac have received approval for emergency use by the World Health Organization (WHO). Please contact your local health authorities for more information.
• Visit the FDA's website to  learn more about FDA-approved vaccines  in the United States.

Quality of Care:  The standards of medical care in the PRC are not equivalent to those in the United States. Even in private hospitals or public hospitals with well-equipped wards, English-speaking patients frequently encounter difficulty due to cultural, language, and regulatory differences. Rural areas have rudimentary facilities and inadequate staffing. Additionally, Rh-negative blood may be difficult to obtain; the blood type of the general Asian populace is Rh positive. Payment and Insurance:  Ambulances in the PRC are often slow to arrive, and most do not have sophisticated medical equipment or trained responders. Cash payment for services is often required prior to treatment, including emergency cases. Travelers will be asked to post a deposit prior to admission to cover the expected cost of treatment. Hospitals in major cities may accept credit cards. The U.S. Embassy and Consulates General in the PRC maintain lists of local  English-speaking doctors and hospitals . Use of Medicare/Medicaid in the PRC:  Be aware that U.S. Medicare/Medicaid does not apply overseas. Hospitals and doctors in the PRC often do not accept U.S. health insurance.

Medical Insurance:  Make sure your health insurance plan provides coverage overseas. Most care providers overseas only accept cash payments. See our webpage for more information on insurance coverage overseas. Visit the U.S. Centers for Disease Control and Prevention (CDC) for more information on type of insurance you should consider before you travel overseas.

We strongly recommend supplemental insurance to cover medical evacuation.

Medication:  If traveling with prescription medication, check with the  Embassy of the People’s Republic of China in the United States of America  to ensure the medication is legal in the PRC. Carry prescription medication in original packaging, along with the prescription. Many commonly used U.S. drugs and medications are not available in the PRC, and counterfeit, low-quality knockoffs are prevalent. If you try to have medications sent to you from outside the PRC, you may have problems getting them released by PRC Customs authorities and/or you may have to pay high customs duties. Air Quality:  Air pollution is a significant problem in many locations. Visit AirNow Department of State for information on air quality at U.S. Embassies and Consulates. The PRC’s  Ministry of Ecology and Environment  also provides its own air quality data for cities throughout the PRC. Most roads and towns in Tibet, Qinghai, parts of Xinjiang, and western Sichuan are situated at altitudes over 10,000 feet. Take appropriate precautions to prepare for and be alert to altitude sickness. Disease:  The following diseases are prevalent:

• Hepatitis A
• Hepatitis B
• Tuberculosis
• Sexually transmitted infections (e.g., syphilis)

Vaccinations: Be up to date on all routine vaccinations recommended by the CDC. The CDC traveler’s health site for the PRC provides vaccine recommendations specific to travel within the PRC.

For further health information :

• World Health Organization (WHO)
• U.S. Centers for Disease Control and Prevention (CDC)

Travel and Transportation

Road Conditions and Safety:  Traffic safety is generally poor, and driving can be dangerous, though rules, regulations, and conditions vary greatly throughout the PRC.

Traffic can be chaotic and largely unregulated and the rate of accidents, including fatal accidents, is among the highest in the world. Motorcycle and bicycle accidents are frequent and often deadly. Pedestrians do not have the right of way, and you should show extreme caution when walking in traffic, even in marked crosswalks. Child safety seats are not widely available.

Traffic Laws:

• You may not drive in the PRC using a U.S. or international driver’s license.
• You can apply for a PRC driver’s license if you have a resident permit.
• If you are involved in a traffic accident, stay calm and call and wait for the police.
• If there are no injuries and damage is minimal, the parties often come to agreement on the spot.
• Unresolved disputes are handled by the courts.
• In cases involving injuries, the driver determined at fault is responsible for the injured person’s medical costs. Sometimes, the police may hold your passport until the other parties are satisfied with the compensation they receive.

Please refer to our  Road Safety page  for more information. Also, please review the Law of the People's Republic of China on Road Traffic Safety .

Public Transportation:  Public transportation, including subways, trains, and buses, generally has a positive safety record and is widely available in major cities, although individuals on crowded buses and subways can be targeted by pickpockets. Aviation Safety Oversight:   The U.S. Federal Aviation Administration (FAA) has assessed the PRC government’s Civil Aviation Authority as being in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of the PRC’s air carrier operations. Further information may be found on the  FAA’s Safety Assessment Page .

Maritime Travel:  Mariners planning travel to the PRC should check for U.S. maritime advisories and alerts at the U.S. Department of Transportation (DOT) Maritime Security Communications with Industry (MSCI) web portal. Information may also be posted to the U.S. Coast Guard Homeport website , and the U.S. National Geospatial-Intelligence Agency (NGA) Navigational Warnings website .

The Commandant of the Coast Guard is unable to determine if effective anti-terrorism measures are in place in PRC ports as required by 46 U.S. Code § 70108.

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
• Call us in Washington, D.C. at 1-888-407-4747 (toll-free in the United States and Canada) or 1-202-501-4444 (from all other countries) from 8:00 a.m. to 8:00 p.m., Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on  Twitter  and  Facebook .
• See  traveling safely abroad  for useful travel tips.

Review information about International Parental Child Abduction in  China . For additional IPCA-related information, please see the  International Child Abduction Prevention and Return Act ( ICAPRA )  report.

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China specifies steps to improve payment services in tourist attractions

Chinese authorities have specified a slew of measures to further enhance payment convenience in major tourist attractions across the country and cater to diversified payment demand from elderly citizens, foreigners and other tourists.

Domestic and overseas bank cards should be accepted in all three-star and above tourist hotels, 5A-level and 4A-level national tourist attractions, national and provincial tourist resorts, and national tourism and leisure districts, according to a circular jointly issued by the People's Bank of China (PBOC) and three other government organs.

Major cultural and tourism attractions should retain ticket booths and ticketing staff to accommodate visitors who prefer cash payment options, the circular said.

It also called for efforts to actively set up foreign currency exchange outlets in venues with a large number of foreign tourists, and enhance mobile payment services and relevant product features.

The coordination between local tourism and cultural heritage authorities and local branches of the PBOC should be strengthened to identify major scenic spots and formulate work plans to jointly optimize payment services in the cultural and tourism sector.

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China’s Outbound Tourism is Changing, Female Travelers Are Leading the Way

Peden Doma Bhutia , Skift

April 10th, 2024 at 8:01 AM EDT

The evolving demographics of Chinese outbound travel shows a jump in younger female travelers. This shift will have important implications for how businesses approach their marketing strategies and the kind of products on offer.

Peden Doma Bhutia

A notable demographic shift, particularly among young upwardly mobile women, is driving the recent travel rebound in China . These travelers are researching and booking trips online, often spontaneously.

According to the most recent travel sentiment survey conducted by China Trading Desk, 62% of outbound travelers were female. Among them, almost 40% fell within the ages of 18 to 24, and a little over 27% were 25 to 29-year-olds.

According to China’s Ministry of Culture and Tourism, there were 3.6 million outbound trips taken during the Chinese New Year (from February 10-17).

Skift earlier cited a Dragon Trail research that expects China’s outbound tourism to reach 80% of pre-pandemic levels by 2024 end.

The five-day Labor Day holiday that begins from May 1 and the summer travel season are expected to further drive outbound tourism.

Women Power Drives Travel

Subramania Bhatt, founder and CEO of China Trading Desk, emphasized the emergence of a new cohort of digitally-savvy travelers seeking culturally enriching experiences. He highlighted that this demographic is predominantly young, female, and educated, with many opting for solo trips.

“These travelers exhibit a strong interest in independent travel, nature activities, and cultural experiences,” Bhatt told Skift.

He emphasized the need for travel businesses and destinations to better cater to these travelers by prioritizing safety, wellness, and support services.

Businesses should focus on promoting shopping and luxury experiences, along with unique local activities that appeal to the interests of young Chinese women travelers, he said.

Regarding travel preferences, the survey revealed that shopping ranked among the top five consumption items for outbound travel along with accommodation, air tickets and food. Over a quarter of travelers said they research shopping activities before purchasing air tickets, with this percentage rising to just under 70% among those aged 18 to 29.

Challenges of U.S. Travel

Analyzing destination popularity among Chinese travelers, Singapore maintains its lead position, followed by Thailand and South Korea.

During the first quarter of 2024, China contributed the highest number of visitor arrivals to Singapore, with nearly 724,000 entries. This marked a 481% year-on-year jump, reaching 75% of the visitor arrivals in 2019 for the same period.

In February, Singapore and China implemented a 30-day visa-free travel arrangement . Also, from March 1, Thailand and China entered into a mutual visa exemption agreement .

However, travel to the United States from China remains subdued . Bhatt predicts that Chinese travel to the U.S. may start to recover by the fourth quarter of 2024 or early 2025, barring any additional constraints.

“A variety of challenges, notably stringent visa regulations, geopolitical strains, and advisories from the Chinese government are holding back U.S. travel,” he said.

Recent incidents of professionals and students experiencing entry denials or interrogations upon arrival in the U.S. have led to official warnings about potential travel disruptions or cancellations, he said.

“Given the ongoing geopolitical complexities and the U.S. elections in November, prospects for immediate improvement in U.S.-China travel dynamics appear limited,” Bhatt said.

The survey listed government travel restrictions among the top factors influencing travel decisions.

Apps to Plan, Research and Pay

Chinese travelers are also booking trips faster and using digital platforms more. This suggests a trend towards spontaneity and flexibility driven by their digital skills, according to the survey.

They use popular travel apps like CTrip and Qunar, as well as social media platforms like Douyin and Xiaohongshu (China’s Instagram), to get information and plan trips. These platforms are also often used for organizing shopping excursions.

Bhatt stresses the importance of digital tools in travel and shopping, noting how they shape travel plans.

Friend recommendations strongly influence hotel bookings, followed by digital ads, highlighting the importance of social networks and targeted marketing in the hospitality industry.

For improving shopping experiences, travelers, especially those aged between 18 and 29 prefer using digital wallets and mobile payments. Alipay is the top payment method for outbound travel, with WeChat Pay also widely used among Chinese travelers.

The Daily Newsletter

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Tags: alipay , asia monthly , china , china outbound , ctrip , digital payments , politics , singapore , social media , survey , visa waiver , wechat pay , women travelers

Photo credit: Chinese female travelers exhibit a strong interest in independent travel, nature activities, and cultural experiences. Kuan Fang / Unsplash