Many foreign tourists worry about making payments in China due to the dominance of WeChat Pay, which can be difficult to access without a local account. However, there are several practical alternatives available, such as Alipay, international credit cards, and cash. This article explains the payment options that foreign travelers can use. With proper preparation, making transactions in China can be much easier for tourists.
Alipay: The Best Alternative for Tourists
Alipay is the most recommended payment option for tourists in China because it supports international credit cards without requiring a local bank account. The app can be downloaded before departure and linked to Visa, Mastercard, JCB, Diners Club, or Discover cards. Basic features only require passport verification. Alipay is widely accepted across China, including at restaurants, shops, taxis, and even street vendors.
Alipay Fees and Limits for Foreigners
Alipay transactions below RMB 200 are free of charge, making them convenient for tourists. For amounts above RMB 200, a 3% processing fee applies and is automatically charged to the linked card. The maximum top-up is RMB 2,000 per transaction, with a daily limit of RMB 10,000. These limits are generally sufficient for daily expenses and can be combined with other payment methods such as cash or credit cards.
Cash Is Still Accepted in China
Although China is highly cashless-oriented, RMB cash is still accepted by small businesses and traditional vendors. Travelers are advised to exchange money at the airport or official money changers and carry small denominations. However, many modern establishments do not accept cash or may not provide change. Cash works best as a backup option, but it is not ideal to rely on entirely—especially in major cities.
International Credit Cards: Limited but Useful
International credit cards such as Visa, Mastercard, and American Express are accepted at major hotels, luxury malls, upscale restaurants, and international airports, but their acceptance is limited. Small businesses and everyday transactions generally do not accept foreign cards. Credit cards are best used as a backup for large transactions, while Alipay or cash is more practical for daily payments. Don’t forget to notify your bank before traveling to avoid having your card blocked.
Wise Card: Linked to Alipay with Lower Fees
Wise offers a multi-currency debit card that can be linked to Alipay with lower conversion fees compared to credit cards. You can preload an RMB balance before departure to lock in exchange rates and avoid the 3% Alipay fee on transactions above RMB 200. The Wise card can also be used to withdraw cash from ATMs in China. This option is ideal for budget-conscious travelers or those staying longer who want to minimize currency exchange costs.
Paying in China Without WeChat Pay Is Still Easy
Making payments in China without WeChat Pay is actually quite straightforward, with Alipay as the main tourist-friendly alternative that is widely accepted. Payment methods can be tailored to your needs: Alipay for daily transactions, cash for small vendors, and credit cards for hotels or large purchases. With proper preparation before departure, paying in China can be smooth and hassle-free.
