PaymentsEssential
How to Pay in China as a Foreigner
China is highly cashless, but foreign visitors need realistic payment backups. This guide explains the main payment routes and what to prepare before arrival.
Difficulty
Easy
Time needed
15-25 minutes
Updated
May 6, 2026
Helpful?0-5 points
Guide visual
How to Pay in China as a Foreigner
A visual overview of the app, counter, station, or daily-life moment this guide helps you handle.
Requirements
- Passport details.
- Phone number that can receive SMS.
- International card with online and overseas payments enabled.
- Backup card or cash for first-arrival situations.
Manual
Step-by-step guide
- Install Alipay and WeChat before arrival if possible.
- Try linking a foreign card and complete identity checks if prompted.
- Learn both payment flows: scanning merchant QR codes and showing your payment code.
- Test a small payment in a low-pressure place before relying on the app.
- Keep backup cash or a physical card for hotels, transport, or merchant failures.
- Use the detailed Alipay and WeChat Pay guides if either app fails.
Troubleshooting
Common problems and fixes
- Some merchants or mini programs may not accept foreign-card-linked app payments.
- Card verification may fail because of bank settings, SMS, or anti-fraud checks.
- Some smaller businesses may expect QR payment even if they technically accept cash.
Best route and backup plan
Backup options
- Try the other payment app if one fails.
- Use another card or ask your bank to enable international and online payments.
- Keep a small cash backup and ask hotels or staff about nearby ATMs if needed.
Keep going
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