Payment methods are one of the essential things to understand before visiting China. In this highly digital country, cash or traditional payment methods are becoming increasingly rare—even at small stalls or street vendors. Instead, the Chinese population is known for relying heavily on fast and practical digital payment methods.
Cashless vs Cash Payments in China
In China, the use of cashless payment systems has become an integral part of daily life. Almost all transactions—from shopping at malls, dining at restaurants, to buying vegetables at traditional markets—are now conducted digitally.
This shift has been driven by technological advancement and the public’s quick adoption of a practical and efficient lifestyle. Compared to physical cash, digital payments are considered faster, more hygienic, and safer, as they reduce physical contact and the risk of loss or theft.
Meanwhile, the use of cash has declined significantly and is no longer accepted in some places. This can pose a challenge for foreign tourists who rely solely on cash, especially in major cities that depend heavily on digital payment systems.
Nevertheless, cash transactions are sometimes still used in rural areas or smaller towns. Some stores or stalls in more remote regions may not have fully adopted digital payments and thus still rely on physical money.
Types of Cashless Payment in China
If you are planning to visit China soon, it is important to understand the various types of cashless payments commonly used there to ensure a smooth and hassle-free trip.
Alipay
Alipay is a digital payment application launched in 2004 to facilitate cashless transactions for Chinese citizens. Today, Alipay allows users to make various payments, including money transfers, online and in-store purchases, and bill payments.
It functions as an e-wallet that enables users to store their debit or credit card information, allowing them to make transactions directly via mobile phone, similar to services like Apple Pay.
Although the app was initially only available in Chinese (Simplified and Traditional), an Alipay International version is now available. This version is specifically designed for foreign users and English speakers traveling in China.
WeChat Pay
As the name suggests, WeChat Pay is a digital wallet service developed by the Chinese social media giant WeChat. To use WeChat Pay, users must first register a WeChat account, which is a common practice in China. Also known as Weixin Pay, this mobile payment and digital wallet system allows WeChat users to make payments directly through the app.
WeChat Pay supports a variety of payment methods, including QR code payments, in-app transactions, Mini Programs, and Official Accounts. These features offer numerous points of interaction for businesses, helping them reach new customers and boost sales.
UnionPay
Originating in China and backed by the People’s Bank of China (PBOC), UnionPay serves as a payment network that connects banking institutions nationwide. Despite the dominance of digital wallets like WeChat Pay and Alipay, UnionPay remains relevant due to its broad network and support for various card types.
UnionPay allows users to make cashless payments at physical stores using EDC machines or online platforms. Many ATMs, retail stores, hotels, and public transportation systems in China accept UnionPay cards as a valid form of payment.
Its strength lies in its global reach and cross-currency transaction capabilities, making it a flexible choice for international tourists and business travelers conducting transactions in China.
Is Cash Still Accepted in China?
Although China is one of the most advanced countries in terms of digital payment adoption, cash is still officially recognized as legal tender across the country. However, in practice, its use has drastically declined.
The People’s Bank of China (PBOC) mandates that all merchants must accept cash payments unless there are clear technical limitations. This regulation is meant to protect consumer rights, especially for the elderly, children, or international tourists who may not be familiar with or have access to local digital wallets.
That said, in everyday life—particularly in major cities like Beijing, Shanghai, or Shenzhen—cash is rarely used. Many stores, restaurants, public transport systems, and tourist attractions prioritize digital payments. Even in traditional markets, vendors are now more accustomed to scanning QR codes than handling physical cash.
Therefore, if you're planning a trip to China, it's strongly recommended to prepare a digital payment method. At the very least, bring a moderate amount of cash as a backup, but not too much.
Don’t forget to complete your travel plans to China with Global Komunika, Indonesia’s #1 trusted international eSIM provider.
Your journey across various destinations in China will be much more convenient with an China eSIM from Global Komunika. Enjoy fast and stable internet connectivity throughout the country—no need to swap out physical SIM cards.
In just minutes, you can connect to the local network with a quick and easy activation process.
This eSIM service offers:
- Unlimited internet access. Enjoy fast, stable data perfect for uploading your travel photos to social media.
- No additional roaming fees. Save money with much lower rates than traditional roaming services.
- Instant activation. Set up your eSIM simply by scanning a QR code, and you’ll be connected as soon as you arrive in China.
- Multi-destination coverage. Global Komunika also provides eSIM options for use in multiple countries—ideal for frequent travelers.
Stay connected with family, friends, and colleagues throughout your trip. Order your Global Komunika eSIM now through the link provided and enjoy smooth internet connectivity during your time in China!
