Tourist Guide: Pay with Mobile Payment in China 2024

How to Prepare for Mobile Payment in China Before You Travel? When traveling in China, should you use cash or credit cards? Neither is recommended. We strongly suggest using mobile payment methods instead.

China has become a global leader in mobile payment technology, with platforms like Alipay and WeChat Pay transforming how people conduct transactions. For travelers, adapting to this cashless society can be daunting. However, with some preparation, you can smoothly integrate into this system and enjoy a hassle-free travel experience.

For example, parking lots in China shopping malls are usually unmanned. You can pay by having the machine scan the QR code on your phone at the parking lot exit. Alternatively, you can find numerous QR codes for parking fees within the parking lot, scan one with Alipay or Wechat app to make the payment before getting into your car. Then, as long as you exit the parking lot within 15 minutes, you’re good to go.

Here are reasons of why you should use mobile payments in China:

The Necessity of Mobile Payments in China

While setting up mobile payments is essential, understanding the limitations of using traditional credit cards and cash in China highlights why these mobile platforms are indispensable.

Credit Card Limitations:

1. Limited Acceptance: Unlike in many Western countries, credit cards (especially non-Chinese cards) are not universally accepted. Many smaller shops, local restaurants, attractions and transportation system may not accept foreign credit cards. Only some larger businesses are accepting credit cards such as hotels and large shopping malls.
2. High Fees: Using international credit cards can incur high foreign transaction fees and unfavorable exchange rates, making purchases more expensive.
3. Inconvenience: In many places, particularly in rural areas, credit card infrastructure is either lacking or unreliable, which can leave you stranded without a payment option.

Cash Limitations:

1. Limited Acceptance: Even though cash is accepted everywhere by law, most modern establishments, especially in urban areas, prefer mobile payments and might not have enough change for large bills. In the past two years, I can tell you that the only time I’ve touched cash was when giving red envelopes; otherwise, I haven’t handled cash at all.
2. Safety Concerns: Although public safety in China’s major cities is excellent, carrying large amounts of cash can still be risky, as it increases the chances of theft or loss.
3. Bulkiness: Managing and carrying cash, especially coins, can be cumbersome and impractical compared to the convenience of mobile payments.

Advantages of Mobile Payments:

1. Widespread Acceptance: Alipay and WeChat Pay are accepted almost everywhere in China, from street vendors to luxury hotels.
2. Seamless Transactions: Mobile payments are quick and convenient, allowing for seamless transactions without the need for physical cash or cards.
3. Cost-Effective: Using local mobile payment platforms can help you avoid international transaction fees and get better exchange rates.
4. Security: Mobile payments offer enhanced security features, reducing the risk of theft or loss associated with carrying cash.

The Steps to Prepare for Mobile Payments in China

By following these steps and understanding the necessity of mobile payments in China, you can seamlessly integrate into China’s mobile payment ecosystem, making your travel experience smoother and more enjoyable. Embrace the convenience of cashless transactions and enjoy exploring everything China has to offer!

Step 1: Understanding the Basics

Before diving into mobile payments, it’s essential to understand the two main platforms: Alipay and WeChat Pay. These apps are widely accepted across China, from major retailers to small street vendors. They offer convenience, security, and speed for all kinds of transactions.

Note: Sometimes the feature to link international credit cards to WeChat is temporarily unavailable, and WeChat doesn’t provide specific notifications about this. Therefore, we recommend using the more stable Alipay as your first choice.

Step 2: Setting Up Your Accounts

To use these platforms, you need to set up accounts on Alipay and WeChat Pay. Here’s how:

Alipay:

1. Download the Alipay App: Available on both iOS and Android.
   • iOS app store: Alipay – Simplify Your Life
   • Android Google Play: Alipay
2. Sign Up: You can use your international phone number to register.
3. Verify Your Identity: Complete the real-name verification process by uploading a photo of your passport.
4. Add a Payment Method: Link your international credit card. Alipay accepts the following international payment card service: VISA, Master Card, Diners Club, Discover, JCB.
   • 1. Once you’ve logged in, find the Bank Cards option in the menu.
   • 2. Click “Add Card”.
   • 3. Follow the instructions to add your international card.
5. Some users suggest using the “Tour Pass” mini-app in Alipay, which allows you to top up a balance using your international card. This mini-app is a service from Shanghai Bank and requires you to open an account with them (which can be done online). We recommend using this mini-app only if you are unable to directly add your credit card through Alipay.

WeChat Pay:

1. Download WeChat: If you don’t already have it, download the app.
   • iOS app store: Wechat – Calls, chats, and more
   • Android Google Play: Wechat
2. Sign Up: Follow the on-screen steps to create your account.
3. Set Up WeChat Pay: Go to the “Me” section, then “Services” -> “Bank Cards”, and follow the prompts to add a payment method.
4. Verification: Similar to Alipay, you’ll need to verify your identity with your passport.
5. Note: WeChat Pay’s integration with international cards can be less straightforward than Alipay’s, so check for the latest updates and guides.

Step 3: Preparing for Your Trip

Before you depart, ensure you’ve completed the following:

1. Enable QR Code: Enable and set up your QR Code in Alipay or Wechat Pay. Sometimes you scan the merchant’s QR code to make a payment, and sometimes they scan your code.

1. Sufficient Balance: If using the “Tour Pass” on Alipay, top it up adequately for your trip.
2. Backup Options: Make sure to carry a small amount of cash until you have confirmed that your Alipay or WeChat Pay are working properly.

Step 4: Practical Tips for Using Mobile Payments in China

1. Internet Access: You’ll need reliable internet access to use these apps. Use International Roaming, or consider purchasing a local SIM card.
2. QR Codes: Payments are usually made by scanning QR codes. Familiarize yourself with how to scan and generate QR codes within the apps.
3. Language Barrier: Many apps offer English interfaces, but some in-store systems may not. Basic knowledge of Mandarin or a translation app can be helpful.
4. Customer Support: In case of any issues, both Alipay and WeChat Pay have customer support services. Keep their contact details handy.

Step 5: Staying Secure

1. Enable Security Features: Use fingerprint or facial recognition for an added layer of security.
2. Monitor Transactions: Regularly check your transaction history for any unauthorized charges.
3. Report Issues Promptly: If you encounter any problems, report them to the app’s customer support immediately.