China's Cashless Society
China has become one of the most cashless societies in the world. Mobile payments through Alipay and WeChat Pay dominate everyday transactions — from buying street food to shopping at luxury stores. Even many street vendors and taxi drivers only accept mobile payments. Understanding how to pay in China is essential for a smooth trip.
Real traveler experience: "I tried to pay with cash at a street food stall in Shanghai and the vendor just shook his head and pointed at the QR code," one visitor shared on a travel forum. "I had to find a nearby convenience store to buy water and ask the cashier to scan my Alipay QR code to transfer money. Lesson learned — set up mobile payments before you go."
Setting Up Alipay as a Foreigner
Alipay is the most foreigner-friendly payment app in China. As of 2026, it accepts international Visa, Mastercard, and JCB cards directly:
- Download Alipay from the App Store or Google Play (do this before arriving in China — app stores are blocked)
- Register with your international phone number and email
- Verify your identity by uploading a photo of your passport
- Link an international credit card — Alipay now accepts Visa, Mastercard, and JCB from most countries
- Your account is ready to use. Scan the merchant's QR code to pay
Alipay's Tour Pass feature allows prepaid spending without linking a Chinese bank account — ideal for short-term visitors who prefer not to use their home credit card abroad.
Using WeChat Pay as a Foreigner
WeChat Pay is integrated into the WeChat messaging app. International users can now link Visa or Mastercard credit cards to their WeChat Pay account. Setup is similar to Alipay — download WeChat, register, verify your passport, and link a card. WeChat is also essential for communicating with hotels, restaurants, and tour guides. Many smaller merchants only accept WeChat Pay, so having both apps is recommended.
Cash and Credit Cards
While mobile payments dominate, cash is still accepted in most places. ATMs are widely available at banks and airports. Major hotels, international restaurants, and tourist attractions accept international credit cards. Carry some cash as backup — around ¥500–1000 for emergencies and small purchases. Make sure you have a working internet connection before relying entirely on mobile payments.
Practical Tips for Payments in China
- Download and set up payment apps before arriving in China (app stores are blocked)
- Keep your passport handy for app verification — some merchants may ask to see it
- Inform your bank about your China travel plans to avoid card blocks
- Have multiple payment options ready — do not rely solely on one app
- QR code payments work everywhere — just scan and confirm
- WeChat and Alipay also offer mini-programs for DiDi (ride-hailing), train tickets, and food delivery
- Some international credit cards charge foreign transaction fees — check with your bank
- Many restaurants and shops have both Alipay and WeChat QR codes — use whichever app has funds
What About Tipping?
Tipping is not expected or required in China. In fact, it can sometimes cause confusion or be refused. Service charges are included in restaurant bills. Do not tip taxi drivers, hotel staff, or tour guides — a sincere thank you is sufficient.
Payment app policies verified as of April 2026. Always check the latest Alipay and WeChat Pay terms before your trip as international card support may change.