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How to pay in China: Cash vs card vs digital payments

Alex Keshen

7 min read

From juicy dumplings and spicy skewers from street stalls to historic sites and natural wonders, China may be an affordable destination, but it isn't free. And knowing how to pay for everything from nibbles to entrance fees to accommodation isn't quite the same as it is here in Australia.

China has has quickly become a global leader in mobile payments, and its quickly leaving cash and traditional cards behind. As someone who is visiting and may not speak the language, understanding how to pay in China before you land is crucial for a smooth travel experience so you can experience all the country has to offer.

This guide explores the different payment methods in China, focusing on mobile wallets and offering solutions for tourists.

How to make payments in China without a Chinese account

Shutterstock.com

In China, forget about bulky wallets and cash. Digital payment apps have become the preferred way to pay for everything, from grabbing a tasty bite on the street to paying for your accommodation. Mobile wallets have become so integrated into daily life that they are the go-to payment method for almost any transaction.

Mobile payment apps in China

Here's a few of the most popular ones that you may want to download before you depart:

Alipay: Alipay, created by Alibaba. Users simply connect their bank accounts and add funds to their virtual wallets. Payments are made by scanning unique QR codes displayed by stores. But Alipay goes beyond payments, allowing users to handle bills, send money to friends, and even shop online seamlessly. International bank cards, however cannot be used for transfers, sending or receiving red packets (hong bao), insurance services, or other financial services.

WeChat Pay: Also known as Weixin in mainland China, It is part of the widely used WeChat messaging app, owned by Tencent. Accessing your wallet through WeChat is just as easy, with QR code scanning being the primary payment method. However, WeChat Pay extends its reach further, offering features like booking rides, reserving tables at restaurants, and making purchases directly within the app. Currently, international cards can be used for everyday purchases in Mainland China. However, they do not support certain features, such as red packets (hong bao), money transfers, and other services.

While mobile wallets reign supreme, other payment methods still hold some relevance:

Cash: Cash is still in circulation, particularly in smaller towns and rural areas. However, carrying large amounts can be inconvenient and less secure.

YueStock / Shutterstock.com

QR code payments in China

QR codes are king when it comes to mobile payments in China. Here's how it works in two ways:

Scan to pay: Open your mobile wallet app, tap the "Scan" function (if available), and point it at the merchant's unique QR code. Enter the payment amount and confirm with your password to complete the transaction.

Show to pay: Alternatively, access your payment code within the payment app. This code will be displayed on your phone screen. Simply show this code to the merchant's scanner, and the corresponding amount will be deducted from your account.

Transferring money using Alipay and WeChat

For splitting bills with local friends or making casual payments, mobile wallets offer a built-in solution. Both Alipay and WeChat Pay allow for easy person-to-person transfers. However, WeChat Pay tends to be the preferred option due to its wider user base, making it more likely your friends will also have it.

For receiving money, Alipay supports VISA, Mastercard and Diners Club International, but you won't be able to transfer money outside of China.

Payment fees and limits in China using WeChat Pay and Alipay

Both WeChat and Alipay limit the amount of money you can spend if you use international cards. In addition, the two methods also charge you some portion of the transaction you made. Here are the details:

WeChat Pay

Transaction Limits: There is a maximum limit of RMB 6,500 (AU$1,430.10) per transaction, a monthly cap of RMB 50,000 (AU$11,000.74), and an annual limit of RMB 65,000 (AU$14,399.97). The exchange rate will be determined by the card network and your card issuer.

Transaction Fees:No fees will be charged for single transactions under RMB 200 (AU$44). For transactions over RMB 200, a 3% fee will apply. If a refund is issued, the fee will be refunded in proportion to the amount reimbursed.

Alipay

Transaction Limits: International card payments are currently restricted to a maximum of RMB 3,000 (AU$660.04) per transaction, with a monthly cap of RMB 50,000 (AU$11,000.74) and a yearly limit of RMB 60,000 (AU$13,200.89) per account.

Transaction Fees: Fees are waived for transactions under RMB 200 (AU$44). For amounts above RMB 200, a 3% fee will be charged. If you request a refund, the transaction fee will be reimbursed along with the payment.

How to use WeChat Pay as an Australian in China

WeChat Pay, integrated within the popular WeChat messaging app, is a preferred payment method for many. Here's a basic guide on how to use it:

Download and register: Download the WeChat app from AppStore or Play Store. Next, fill your personal information. You can use international phone numbers as long as it can receive SMS verification codes.

Prepare the required documents to set up WeChat: Before linking your bank account, you need to prepare several documents for identity identification. Such as: Passport or People's Republic of China Foreign Permanent Resident ID Card, Mainland Travel Permit or Residence Permit for Hong Kong SAR, Macau SAR and Taiwan Residents.

Link your bank account: In Wallet, tap "Bank Cards" and then "Add a Bank Card." Read the Weixin Pay User Service Agreement and Privacy Policy, then tap "Agree." Follow the on-screen instructions to enter your identity information and tap "Next" to add your card. Complete the remaining steps as guided. Tip: If verifying your identity with a passport, you’ll receive a notification to upload a copy.

Making a payment: Open the WeChat app and locate the merchant's QR code. Scan the code with your phone's camera within the app. Confirm the payment amount and complete the transaction using fingerprint or facial recognition verification.

How to use Alipay as an Australian in China

Download and Register: Download the Alipay app from AppStore or Play Store. Next, enter your mobile phone number.

Link Your Bank Account. Tap “Me” and go to “Bank Cards” to add your bank account.

Making a Payment: To make a payment, simply tap “Scan” and scan the merchant’s QR code.

Other payment apps used in China

Although Alipay and WeChat reign supreme in mobile payments, other contenders exist. UnionPay, the powerhouse behind China's debit and credit card networks and ATMs, offers its own mobile payment app. However, unlike the feature-rich dominance of Alipay and WeChat Pay, UnionPay's app focuses solely on payments, limiting its appeal and hindering widespread adoption.

Internet banking: For those seeking a more familiar approach, internet banking remains an option. You can use your foreign bank's online platform to transfer funds to major Chinese banks. However, directly paying businesses or individuals in China might be restricted due to international banking regulations.

Traditional payment methods: While digital wallets have become the preferred method, traditional payment options like cash and cards are still usable in some situations. It's important to note that cash is becoming less common, and using foreign cards can incur high fees.

How to choose the right payment method in China

For most travellers and residents alike, downloading and setting up Alipay or WeChat Pay is the most convenient option. Both offer English interfaces and cater to foreigners. But, it's recommended to have multiple options just in case anything doesn't go to plan. Consider these factors when choosing:

Your familiarity with the apps: If you already use WeChat for communication, WeChat Pay might be a natural choice.

Merchant preference: Some stores might have a slight preference for one platform over the other. Look for the respective logos displayed at shops.

Download the apps: Setting up the apps can involve verification processes. Downloading them before your trip can save time upon arrival.

Link an international credit card: Both Alipay and WeChat Pay allow linking international credit cards for topping up your wallet. Check with your bank for any associated fees.

Carry a small amount of cash: While mobile payments are prevalent, having some cash on hand for emergencies or small street vendors is always a good idea.

Holding up Chinese money in front of a lake and mountains in Guilin.

As a tourist visiting China, here's what you need to know:

Mobile Wallets: Downloading and setting up Alipay or WeChat Pay is highly recommended. Both offer international versions with English interfaces. You may need a foreign passport and international credit card for verification during registration.

Airport ATMs: Many airports in China have ATMs dispensing foreign currency. However, be aware of potential withdrawal fees charged by both your bank and the ATM operator.

Limited International Credit Card Acceptance: While UnionPay cards are widely accepted, foreign-issued credit cards like Visa or Mastercard might not be accepted everywhere, especially in smaller stores or rural areas.

Additional Tips:

Inform your bank: Let your bank know about your travel plans to avoid having your card blocked for suspicious activity abroad.

Consider a travel card: Prepaid travel cards can be a convenient option for managing your spending in China.

Learn basic phrases: Knowing a few basic Mandarin phrases related to money and transactions can be helpful in situations where communication is challenging.

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Consider pre-paying where possible

While day-to-day transactions like subway rides or street food will need to be paid for on the spot, there are loads of elements of your trip you'll be able to sort and pay for in advance so you don't have to worry.

Accommodation: Opt to pay when you book, or put down a credit card to be charged. Booking sites, including Traveloka, will accept most forms of payment including Visa, MasterCard, American Express and mobile payments like Apple Pay or Google Pay

Transportation between cities: Whether you're flying, taking the train or hiring a driver, you can book these in advance. It'll also save you the trouble if your Mandarin or Cantonese isn't up to scratch. Booking in advance instead of at a train station booking window will also ensure you end up at the correct destination!

Activities: Opt for pre-purchased vouchers or lock in a date for popular activities. This will both guarantee that you're able to go if you're short on time, and make sure you're booking the exact experience you want.

Frequently asked questions about paying in China as a foreigner

Is China 100% cashless?

While China is very advanced in digital payments, it's not quite 100% cashless yet. Having some cash is always a good idea, especially if buying things from street vendors or if you're in rural destinations.

Should I bring cash to China?

Generally, you'll always be paying a higher exchange rate outside the country and at money changers. Try to go to a bank's ATM upon arrival in China and withdraw money there.

Do I need cash for tips in China?

Tips aren't customary in China, so you don't need to worry about having cash handy for them.

Can I use my Australian debit and credit cards in China?

You should be able to use your Australian debit cards to withdraw money from Chinese banks and for payments. For credit cards, VISA, Mastercard and American Express are accepted many places. However, mobile payment systems like Alipay and WeChat Pay may be more common

Plan your dream China adventure today! Visit Traveloka, your one-stop travel platform for booking flights, hotels, and unforgettable attractions. With a wide range of options and competitive prices, Traveloka makes planning your China trip a breeze. Embrace the wonders of China with us!

Written by: Alex Keshen

The content strategist and SEO lead for Traveloka Australia, Alex manages the blog and other pages across the site. An avid traveller, digital content creator and writer, she’s contributed to publications such as Australian Women's Weekly, Marie Claire, Elle, Gourmet Traveller, Finder and Explore Travel… and has found the time to visit 50+ countries while doing it. She loves good flight sale and will share some of the best ones she can find right here on our Explore blog. Follow her regular Deals of the Week column for the latest bargains on flights, hotels and more.

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