How to Pay in China as a Foreigner: 2025 Complete Guide
Last updated: June 29, 2025
Summary
This guide explains all the ways foreigners can pay in China in 2025, including WeChat Pay, Alipay, UnionPay, and cash. Learn how to set up, where to use each method, and avoid common pitfalls. Real tips from Reddit, YouTube, Xiaohongshu, and expat forums included!
Why Is Paying in China Different?
- Most transactions are cashless (QR code-based)
- Foreign cards are not always accepted directly
- Mobile wallets (WeChat Pay, Alipay) are king
Main Payment Options for Foreigners
| Method | Where to Use | Pros | Cons |
|---|---|---|---|
| WeChat Pay Intl. | Most shops, taxis, restaurants | Fast, social, supports many cards | Some cards may not work |
| Alipay Intl. | Most shops, taxis, vending | Fast, supports many cards | Some cards may not work |
| UnionPay QuickPass | Malls, Starbucks, Uniqlo | NFC, works with some foreign cards | Not accepted everywhere |
| Cash | Rural areas, taxis, emergencies | Always accepted | Not convenient, need to carry |
Step-by-Step: Setting Up Your Payment Methods
1. WeChat Pay
- Download WeChat, register, verify with passport
- Add your Visa/Mastercard (HSBC, Wise, Revolut, SG/MY cards work best)
- Complete eKYC (passport + selfie)
- Test with a small payment at the airport
2. Alipay
- Download Alipay, register, verify with passport
- Add your Visa/Mastercard
- Complete eKYC
- Try topping up at airport kiosks if card fails
3. UnionPay QuickPass
- Some foreign Visa/Mastercards (e.g. UOB, HSBC) support UnionPay NFC
- Use for malls, Starbucks, Uniqlo
- FX spread ~2.5%
4. Cash
- Exchange at Bank of China counters on arrival
- Keep ¥200-500 for emergencies
Real Traveler Stories
| User | Experience |
|---|---|
| Redditor | "My Wise card worked on WeChat Pay in Shanghai, but not in a rural town—always keep cash!" |
| Expat Forum | "Alipay now supports most foreign cards, but some US cards still have issues." |
| Xiaohongshu | "Airport kiosks are a lifesaver for topping up Alipay." |
Common Issues & Solutions
- Card not accepted? Try another card or use Wise/Revolut for top-up
- App in Chinese? Change language in Settings
- Merchant says 'not supported'? Use cash or ask a local friend
Safety & Security
- Both WeChat Pay and Alipay use advanced encryption
- Always double-check the merchant's QR code
- Never share your payment password
FAQ
Q: Can I use my foreign phone number?
A: Yes, register with your +65, +60, +1, etc. number
A: Yes, register with your +65, +60, +1, etc. number
Q: What about refunds?
A: Refunds are processed quickly, but may take 1-3 days
A: Refunds are processed quickly, but may take 1-3 days
Q: Can I send money to friends?
A: Yes, but P2P transfers may require extra verification
A: Yes, but P2P transfers may require extra verification
Final Tips from a Travel Buddy
- Always keep a backup card and some cash
- Test your payment apps at the airport
- Don't be shy—ask locals for help!
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