China has developed a robust digital payment ecosystem that can be challenging for foreign visitors to navigate. Key points to understand:
- Cash is rarely used; most transactions occur via digital payment apps.
- Western credit cards are typically accepted only at upscale hotels and restaurants.
To ensure a seamless trip, take these three steps before you travel:
- Download and configure AliPay and/or WeChat Pay.
- Bring an internationally compatible debit card.
- Carry $100 or €100 in cash for emergencies.
Let’s dive into the details…
AliPay and WeChat Pay
AliPay and WeChat Pay dominate China’s payment landscape, accepted virtually everywhere—from street vendors to taxis, restaurants, and shops. Most businesses use QR codes for quick scanning and payment.
While cash is sometimes accepted, it’s uncommon, and businesses may struggle to provide change. Using these apps allows you to pay like a local, streamlining transactions.
Both apps are available on international app stores and should be downloaded before departure. AliPay is generally easier to set up. You can link foreign Visa or Mastercard credit or debit cards (American Express compatibility is unconfirmed). The apps act as a bridge between Chinese merchants and your card, with payments charged directly—no need to preload funds or maintain a balance. (Note: The former “TourPass” wallet feature is discontinued.)
For reliability, set up both apps, as some vendors may accept only one. Initial transactions might require your card’s security code, so keep it handy. I’ve successfully linked both apps to a Wise card and a backup credit card, and they work smoothly, even for small purchases of a few RMB.
Bring a Debit Card
Though cash is rarely needed, having a backup is wise. Chinese ATMs typically accept foreign debit cards without hidden fees. Upon arrival, withdraw around 400 RMB to keep as a precaution. I’ve carried the same 400 RMB for eight months without needing it!
Be aware: Chinese ATMs often dispense cash before returning your card, unlike some Western systems. Don’t forget to retrieve your card.
Bring a credit card too, but expect limited use outside high-end establishments. Withdrawing cash with a credit card is usually costlier than with a debit card.
Bring $100 or €100 in Cash
As an extra safeguard, especially for first-time visitors, carry $100 or €100. If your debit or credit card fails, this cash provides a fallback. Exchanging foreign currency can be inconvenient outside airports, but it’s a prudent backup plan.
Useful Travel Apps
Several apps can enhance your travel experience by simplifying bookings and payments:
- DiDi: China’s equivalent to Uber, DiDi lets you book taxis or premium cars for city or inter-city travel. An English version is available in some app stores (e.g., US version). If unavailable, access DiDi via AliPay. Payments can be made through AliPay, WeChat Pay, or a linked foreign card. I use DiDi frequently with no issues.
- Trip.com: Ideal for booking accommodation, train tickets, and flights, Trip.com (or its Chinese counterpart, Ctrip) accepts foreign cards and offers more lodging options than platforms like Booking.com.
