Editorial Policy
Last updated: November 9, 2026
Readers use this site to make decisions about real money. So for fees, limits, card support and offers, we rely on official sources. We label anything that comes from user reports or our own estimates, and we correct mistakes when we find them.
How we rank sources
| Source | Examples | How we use it |
|---|---|---|
| Official | Payment platforms, banks, card terms, government websites | The basis for stating a fee, limit, rule or offer as fact |
| Established media | News agencies and business press | Context and news, such as a launch date. Not the basis for card fees or offer terms |
| Community | Reddit, travel forums, blogs, reader messages | Finding real problems to investigate, and labeled user experience |
Rules for money details
- If we can't find an official source for a fee, limit or offer, we leave it out or say that we found no official statement.
- We don't say something is unsupported or unavailable unless an official source says so. Otherwise, we report it as a problem some users have had.
- When sources disagree, we look for the official answer before we publish.
- A regulator's maximum isn't the same as a platform's actual limit, so we keep the two apart.
- We label our own calculations and comparisons as estimates, and say what they leave out.
- For time-limited offers, we give the end date when the provider publishes one.
Our own experience and user reports
We use first-hand experience where we have it, and it can prompt us to recheck a page. One person's result doesn't prove how an app or bank will treat everyone, because results can depend on the card, bank, device and account. We present reports from Reddit, forums and readers as user experience, not official rules.
How we use AI tools
We use AI tools to help with research, drafting, editing and checking pages. A person decides what to publish and reviews changes before they go live. AI output is held to the same source rules as everything else on the site.
Keeping pages current
Payment rules in China change often. We update pages when we learn of a change, and we recheck them through content reviews. Dates shown on a page tell you when it or its sources were last updated or checked, but a date doesn't guarantee that nothing has changed since.
We're still bringing older pages up to this standard, so some may not yet link a source for every detail. Newer and recently reviewed pages list more of their sources. Always trust the amount and terms shown in your app or by your bank at the time you pay.
Corrections
If something looks wrong or out of date, email contact@payinchinaguide.com with the page address and, if you can, a screenshot or official link. We'll check it against the sources above and update the page if it needs correcting.
How we make money and stay independent
- Ads: pages show ads served by Google AdSense. Ads are separate from our editorial content.
- Referral links: some pages include referral links, currently for Wise. We may receive a reward if you sign up through one, and we disclose this on those pages.
- No paid coverage: we don't accept payment to cover a product or to change what we say about it.
- No affiliation: we aren't affiliated with Alipay, Tencent, WeChat Pay or the banks we write about, unless a page says otherwise. Their names and logos belong to their owners.
We also use Google Analytics to understand how the site is used.
General information only
Our guides are general information, not financial, legal or medical advice. For decisions about your own account or card, check with the provider. See also our About page and Legal notice.