Best ways to pay in China in 2025: tips for tourists

As a traveler, how to pay in China does seem a bit difficult at first, but don’t worry.
Unlike many countries where cash and credit cards dominate, China has shifted to a digital-first approach. China is a leader in mobile payment systems, and understanding how to pay in China is essential for a smooth and hassle-free trip. This guide will introduce you to payment methods in China and provide insight into the nuances of WeChat Pay, Alipay and other payment methods to ensure a smooth and authentic experience in China.

Overview of payment methods in China

China has adopted mobile payments on a large scale. While cash can still be used in some areas, most locals almost always pay with their smartphones. This may seem a little overwhelming to foreign travelers, but with a little understanding, it’s easy to adapt.

The two main payment methods: WeChat Pay and Alipay

If you want to know how to pay for everything in China, then WeChat Pay and Alipay are perfect . These are the two most widely used mobile payment platforms in China, accounting for the vast majority of transactions. Here’s how these two platforms work and how tourists can use them:

WeChat Pay

WeChat isn’t just a messaging app, it’s also a lifestyle app that includes payments, shopping, social media, and more. WeChat Pay is an integral part of everyday life in China, and can be found almost everywhere from large shopping malls to street stalls.

• How to set up: As a tourist, you can set up WeChat Pay using an international credit card. Recent updates allow foreigners to sign up for an account using their passport and link international cards such as Visa and MasterCard.
• Where to use it. Once set up, you can use WeChat Pay for almost any purchase. You can use WeChat Pay for taxis, meals, groceries, shopping, and even booking tickets to attractions.

Alipay

Alibaba’s Alipay is another popular mobile payment system in China. It works similarly to WeChat Pay, but may be more common in some areas, especially when booking transportation services or using platforms like Taobao for online shopping.

• HOW TO SET IT UP: Like WeChat Pay, Alipay has extended its service to tourists. You can download the Alipay app and associate it with your international bank card. Some travel-friendly features, such as currency exchange, make it easy for foreigners to use as well.
• Where to use it? Alipay can be used in most places in China, from upscale shopping malls to food markets. Alipay is especially useful for travelers using Alibaba’s ecosystem services, such as hailing a cab via DDT or shopping at Tmall.

WeChat Pay vs Alipay

Read WeChat Pay vs Alipay: A more in-depth comparison.

Can I still use cash in China?

As digital payments take over, you might ask: “Is cash still used in China? The short answer is yes, but its use is rapidly declining. Here’s what you need to know:

• Where Cash is Accepted: Cash is still popular in rural areas, small stores and on public transportation in some areas. However, many urban areas, including Beijing, Shanghaiand Guangzhou, prefer mobile payments.
• How to get cash: ATMs are everywhere and you can withdraw RMB using an international debit or credit card. Make sure your card is compatible with China’s ATM network (e.g. UnionPay).
• Emergency cash: It’s always a good idea to carry a small amount of cash with you, especially if you’re traveling to more remote areas or dealing with vendors who don’t accept mobile payments. Generally, 500 to 1,000 RMB is enough to have on hand.

Using Credit Cards in China

If you prefer to use credit cards rather than apps or cash, you’ll find that credit cards are not as widely acceptedin China as they are in the West. However, they can be useful in certain situations:

Where you can use credit cards

Major credit cards such as Visa and MasterCard are usually accepted in large hotels, high-end restaurants and upscale shopping centers. However, don’t expect them to work in smaller local stores or even many tourist attractions.

• Tip Always carry a backup payment method (such as cash or a mobile app) with you in case your card is not accepted. Some places only accept UnionPay, which is the local card network.
• Apple Pay: You can also use Apple Payin China, but it’s usually tied to UnionPay. Acceptance may vary for international cards tied to Apple Pay.

How to Pay in China as a Foreigner

China’s payment system may seem complicated at first, but if you’re properly prepared, you can navigate it just as easily as a local. Here are some tips on how to pay in China as a tourist:

Set up mobile payments before you go

WeChat Pay and Alipay are now available to support international travelers. Download these apps before you arrive in China and link them to your bank account or credit card.

• PRO TIP: Some foreign banks may block transactions in China for security reasons. Please inform your bank of your travel plans to avoid any problems.

Know your payment options

While mobile payments will cover most of your transactions, it is still important to carry a variety of payment options:

• Cash: for small transactions or if the supplier does not accept mobile payments.
• Credit/debit card: for large purchases such as hotels or luxury shopping.

Familiarize yourself with currency exchange

China uses the Renminbi (RMB). If you plan to exchange currency, go to an authorized exchange office or ATM for the best rate. Avoid exchanging at airports, where the exchange rate is usually lower.

Understand transaction fees

Some international cards may charge foreign transaction fees. Check with your bank before you leave to find out what additional fees you may incur for payments or withdrawals in China.

Online Payment Methods in China

If you plan to make purchases online during your trip, knowing how to pay online in China is key. From travel booking sites to e-commerce stores, many online platforms allow you to pay with WeChat or Alipay.

E-commerce in China

China is home to some of the world’s largest online shopping platforms, such as Taobao and JD.com, and bothWeChat Pay and Alipay will be your first choiceif you want to shop online . These platforms also offer user-friendly payment gateways that make checkout easy for foreigners.

In summary: adapting payment methods to China

Understanding how to pay in China is crucial for any traveler. While cash is still used in some areas, mobile payments have gone mainstream, with WeChat Pay and Alipay being the most convenient options. Download the necessary apps before you travel, make sure your credit cards are compatible, and carry some cash with you just in case. With a little planning, you’ll be able to make all your transactions, whether you’re in a bustling city or exploring the countryside.

Remember, payment methods in China are rapidly evolving, so keep up to date with the latest developments to make the most of your trip!