How to Pay in China as a Tourist – Your Guide to Payment Methods

When traveling to China, understanding how to pay for goods and services is crucial. The country has a unique payment landscape that is dominated by digital wallets, mobile apps, and cash transactions. Whether you’re enjoying local cuisine, shopping, or visiting famous landmarks, it’s essential to know your options for paying in China. Here’s your comprehensive guide on how to pay in China as a tourist.

1. Paying with Chinese Currency – Renminbi (RMB)

The official currency of China is the Renminbi (RMB), also known as the Chinese Yuan (CNY). While mobile payments are highly popular, cash is still widely used in many places, especially in smaller shops, local markets, and rural areas.

Where to Get Cash:

• ATMs: You can withdraw Renminbi (RMB) from ATMs using foreign cards. Major international banks often have ATMs that accept foreign cards, though you might incur withdrawal fees.
• Currency Exchange: You can exchange your home currency at banks or currency exchange services in China.

Tip: Always carry a small amount of RMB for situations where cash is preferred.

2. Mobile Payments – The Most Popular Option

In China, mobile payments have become the dominant way to pay for nearly everything. WeChat Pay and Alipay are the two main digital wallets used by locals and tourists alike.

How to Use WeChat Pay and Alipay:

1. WeChat Pay: Linked to your WeChat account, it allows you to make payments by scanning QR codes. You’ll need a Chinese bank account or a foreign credit card linked to your account. Some tourists can also use WeChat Pay for foreign users if they have a foreign credit card.
2. Alipay: Similar to WeChat Pay, Alipay is linked to your Alipay account. You can use it for both online and offline purchases. Alipay has a feature called “Tourist Mode” which allows you to use the app without a Chinese bank account. Simply link your foreign credit card and you can start making payments.

Wechat app download

Alipay app download

Key Point: These apps are essential for convenience and are accepted almost everywhere, from restaurants to retail stores.

3. International Credit and Debit Cards

Using international credit and debit cards is a convenient option for tourists, especially in major cities like Beijing, Shanghai, and Xi’an. Many high-end stores, hotels, and restaurants accept Visa, MasterCard, and American Express.

Important Points:

• Visa and MasterCard are more widely accepted, while American Express may not be as common.
• Be aware of foreign transaction fees that your bank may charge for using a foreign card in China.
• Card payments are generally accepted at larger establishments and tourist spots, but not at smaller local businesses.

Tip: Always check with the merchant before making a purchase to ensure they accept your international card.

4. Paying with QR Codes

In China, QR code payments are extremely popular, especially in smaller shops or local eateries. This method is available via apps like WeChat Pay and Alipay, and all you need to do is scan the merchant’s QR code to make a payment.

How to Pay Using QR Codes:

1. Open your WeChat Pay or Alipay app.
2. Click on the “Scan” function.
3. Scan the QR code provided by the merchant.
4. Enter the payment amount, confirm the payment, and the transaction will be complete.

Key Point: QR code payments are one of the most convenient and widely accepted methods of payment in China.

5. Paying with UnionPay

UnionPay is China’s national payment network and is widely accepted in local stores, restaurants, and tourist spots across the country. UnionPay cards can be used at ATMs, as well as for point-of-sale payments.

Tip: If you have a UnionPay card or a foreign card with UnionPay affiliation, you can easily use it for payments at many establishments in China.

6. Tips for Paying in China as a Tourist

• Notify Your Bank: Before traveling to China, let your bank know about your travel plans to avoid any issues with card payments.
• Carry a Portable Power Bank: Since mobile payments are widely used, make sure your phone is charged and ready to go when you need it.
• Avoiding Scams: Be cautious when using unfamiliar payment systems, especially if asked for your card details in suspicious settings.
• Understand Local Etiquette: When paying, always remember to hand your payment method to the cashier, not directly to the person behind the counter.

Conclusion: The Best Payment Methods for Tourists in China

The easiest and most common way to pay in China as a tourist is by using mobile payment apps like WeChat Pay and Alipay, which are widely accepted throughout the country. For more traditional payments, you can use cash or international credit cards in larger establishments.

Being aware of these payment options will make your trip to China more seamless and enjoyable. Make sure to plan ahead and choose the method that suits you best.