Cashless China: Payment Guide
China is virtually a cashless society. Mobile payments — primarily Alipay and WeChat Pay — dominate daily transactions, from street food stalls to luxury boutiques. Cash is technically accepted but increasingly inconvenient.
Alipay vs WeChat Pay
| Feature | Alipay | WeChat Pay |
|---|---|---|
| Foreign card support | Yes (international version) | Limited |
| Setup difficulty | Easy | Moderate |
| Market share | ~54% | ~40% |
| Best for | Shopping, travel bookings | Social payments, small vendors |
| Tourist mode | TourPass feature | Requires Chinese bank card |
| Acceptance | Universal | Universal |
| Mini-programs | Extensive | Extensive |
Recommendation for tourists: Start with Alipay — it has the best foreigner-friendly setup and accepts international credit cards directly via TourPass.
Our Payment Guides
- How to Use Alipay as a Foreigner: Complete Setup Guide
- WeChat Pay for Foreigners: Step-by-Step Setup Guide
FAQ
Can I use Apple Pay in China? Apple Pay works at some merchants but has very limited adoption. You’ll find it accepted at major international chains and some high-end stores, but not at local restaurants or markets.
Should I carry cash? Yes, carry some cash (500-1000 CNY) as backup. Some smaller vendors in rural areas may not accept mobile payment, and it’s useful for emergencies.
How much does the exchange rate markup cost? Alipay and WeChat Pay both offer competitive exchange rates, typically within 1-2% of the mid-market rate. This is better than most currency exchange counters at airports.
Can I use foreign credit cards? Major international credit cards (Visa, Mastercard) are accepted at large hotels and upscale restaurants, but not at most everyday businesses. Mobile payment is essential for daily life.
Is tipping expected? No, tipping is not customary in China and can sometimes cause confusion. Service charges may be automatically added at upscale hotels and restaurants.
What if my phone dies? Carry a portable charger — your phone is essential for payments, maps, translation, and ride-hailing. Most cafes and restaurants will let you charge if you’re a customer.