How to Use Mobile Payments in China as a Foreign Tourist

In China, mobile payments have become the most common way to pay for almost everything — from your morning coffee to train tickets and even street food. For foreign visitors, adapting to this cashless society can feel intimidating, but with the right preparation, it’s surprisingly easy.

This guide will walk you through the basics of using mobile payments in China, so you can shop, dine, and travel like a local.

Why Mobile Payments Are Essential in China

Over 90% of daily transactions in China are done via mobile payment platforms such as Alipay and WeChat Pay. Many small shops, markets, and even taxis no longer accept cash, and foreign credit cards are not widely supported.

Using mobile payments allows you to:

  • Pay quickly without carrying cash
  • Avoid currency exchange hassles
  • Enjoy discounts and promotions for digital payments
  • Access a more seamless travel experience

Step 1: Choose Your Mobile Payment Platform

The two dominant platforms in China are:

  1. Alipay (支付宝)
    • Foreigners can register with just a passport.
    • Supports linking international credit/debit cards.
    • Widely accepted in stores, restaurants, tourist attractions, and taxis.
  2. WeChat Pay (微信支付)
    • Integrated into the WeChat app, which is also China’s main messaging platform.
    • Supports linking some international cards and also prepaid top-ups.
    • Extremely popular for peer-to-peer payments, taxis, food delivery, and online shopping.

Tip: Download both apps before you arrive.

Step 2: Set Up Your Account

For Alipay:

  1. Download the Alipay app from the App Store or Google Play.
  2. Register with your phone number (can be foreign or Chinese).
  3. Upload passport information for identity verification.
  4. Link your international Visa, Mastercard, or Wise card.

For WeChat Pay:

  1. Download WeChat and register your account.
  2. Go to “Me” → “Services” → “Wallet” → “Add Card.”
  3. Enter your passport information and link a payment method.

Step 3: Using Mobile Payments in China

Once your account is set up, you can:

  • Scan QR codes at shops, restaurants, or tourist attractions.
  • Show your personal QR code to receive payments or pay in smaller shops.
  • Use in-app services to book trains, taxis, or hotels.

Step 4: Practical Tips for Foreign Tourists

  • Bring a backup payment method (cash or card) for emergencies.
  • Stay connected — mobile payments require internet access, so get a local SIM card or eSIM.
  • Watch out for scams — only scan codes from trusted merchants.
  • Check daily transaction limits on your linked card.

Step 5: Alternatives if You Can’t Use Mobile Payments

  • Some hotels, upscale restaurants, and tourist spots accept foreign credit cards.
  • Currency exchange counters in airports or big cities still accept USD, EUR, or AED for cash exchange.

Final Thoughts

China’s mobile payment system is one of the most advanced in the world. With a little preparation before your trip, you’ll find it incredibly convenient and even fun to use. By mastering Alipay or WeChat Pay, you’ll experience China the way locals do — seamlessly, quickly, and cash-free.

Share

Related