Must-Know Payment Tips for China Travel
Scan-to-Pay
The most popular payment method nowadays is by scanning a code, with common options being Alipay and WeChat Pay; bank cards and credit cards are generally accepted in places like malls and restaurants. Of course, cash can also be used.
LOCAL TIPS
The history of scan-to-pay in China can be traced back to 2013, making it over a decade old. During this time, the technology has evolved, becoming increasingly secure with continuous improvements and advancements in security measures.
Alipay
Alipay can conveniently bind bank cards and complete transactions for both receiving payments and making payments. It can also be used conveniently for various scenarios such as online shopping, metro and bus transportation, mobile phone top-ups, and identity verification.
Scan Merchant’s Code
Merchant Scan User’s Code
LOCAL TIPS
Payment codes can be used to make payments even without an internet connection.
Scan to Transfer
Transfer money directly by scanning the collection code of an individual or merchant. This method can also be used for transfers between individuals.
Official Account/Mini Program Payment
Scan a QR code to enter an official account or mini program to complete the payment.
Facial Recognition Payment
Verify identity through facial recognition technology and complete the payment without needing to carry a mobile phone.
Tap to Pay
Users complete payments by bringing their NFC-enabled phone close to a terminal device that supports this feature.
Direct payment within the app
When purchasing goods within an app, a payment window will pop up where you can enter your password or use facial recognition to complete the payment.
LOCAL TIPS
Payment codes can also be used for riding buses, subways, and for medical consultations.
Sources
Mobile payment methods in China support multiple sources of funds for payments.
- Bank card (debit card/savings card)
- Credit card
- Alipay balance/WeChat Wallet balance
LOCAL TIPS
Using a credit card in China is not always convenient; small merchants typically do not accept credit cards. Using a debit card/savings card is better. However, the most convenient method remains scan-to-pay.
Registration
Alipay already cooperates with 65 financial institutions, among which are Visa and Mastercard, so if you already have a credit card all you have to do is download the Alipay app on your cell phone and register in a few simple steps. However, note that some of the functions only work if you use a Chinese credit (or debit) card.
Once you finish downloading the application, open it and proceed to the registration: you’ll first be asked to enter your cell phone number, later you’ll receive a message with a numeric code that you’ll have to enter in the app to continue with your registration.
The Alipay home page will open, so now you will have to add your credit card: access your profile by clicking on “Me” and then click on “Bank Cards” and proceed with the compilation or requested information, such as credit card number and your name and last name. Later Alipay will ask you to also enter a password to allow you to make payments with this application.
WeChat Pay
WeChat started as a social media app and, due to its large user base, has become widely used for its payment feature.
Here’s how to add your credit card to WeChat Pay:
- Open the WeChat Pay app
- Select ‘Me’ and then ‘Wallet’
- Tap ‘Bank card’ and then ‘Add new bank card’
- Enter your card information
- Follow the steps to verify the billing address, including entering an SMS verification code sent to your registered phone number.
Bank Card Payments
UnionPay Cards
UnionPay is China's national card network, and almost all merchants that accept card payments support UnionPay cards. If you hold an international bank card with a UnionPay logo, you can use it directly in China.
International Credit Cards
Visa, Mastercard, American Express, JCB, and Discover are widely accepted at large and medium-sized malls, hotels, restaurants, and tourist attractions.
LOCAL TIPS
However, most small merchants or remote areas may not accept foreign cards. You can try binding your credit card to a scan-to-pay service.
Cash Payments
RMB Cash
While cashless payments are very popular in China, cash is still a common payment method, especially at small shops, markets, street vendors, and in remote areas.
Currency Exchange
Foreign tourists can exchange foreign currency for RMB at airports, bank branches, hotel front desks, or designated currency exchange points.
LOCAL TIPS
It's rare to see currency exchange booths on the streets in China; typically, you'll need to go to a bank.
International Bank Card Withdrawals
Most ATMs in China support international bank cards like Visa, Mastercard, and UnionPay, allowing you to withdraw RMB cash. Note that withdrawal fees may apply, so check with your issuing bank for details.