Quick Summary
China is largely a cashless society. WeChat Pay and Alipay dominate all transactions — from street food to luxury hotels. You must set up WeChat Pay or Alipay before arriving in China.
Why Cashless is Essential
In China, even a ¥2 purchase for street food is made via QR code. Mobile payment is required at most small shops, public transport, and markets. Foreign credit cards are accepted at very few places.
Option 1: WeChat Pay (Recommended)
WeChat Pay is integrated into WeChat, China's dominant messaging app. Foreigners can now register with a passport.
Setup Steps
- Download WeChat before arriving in China (use VPN if needed)
- Switch language to English
- Me → Set Up WeChat Pay → Select "Non-Chinese mainland ID"
- Enter passport information and upload a selfie
- Link an international card (Visa, Mastercard, JCB, or Diners Club)
- Use by scanning merchant QR codes or showing your payment code
Accepted cards: Visa, Mastercard, JCB, Diners Club. Amex NOT accepted.
Daily limit: ~¥10,000. No ATM withdrawals.
Option 2: Alipay
Similar to WeChat Pay. Download the app, register with passport, link your card. Some users find Alipay's foreign registration slightly more complex.
Option 3: Cash (RMB)
Only practical in rural areas or when your phone is unavailable. Get RMB from:
- ATMs: ICBC, HSBC, China Construction Bank (look for "foreign cards" logos)
- Currency exchange: Airports and major train stations
ATM fees: Your home bank fee + China-side fee (typically ¥15–30 per transaction)
Key Tips
- Set up WeChat Pay before arrival — registration inside China is more complex
- Bring a small amount of RMB for emergencies (¥500–1000)
- Keep your passport handy for ID verification when linking payment apps
- Most hotels accept foreign credit cards but restaurants and shops do not