Paying in China: wallets, cards and cash

When traveling to China, understanding the China payment methods is crucial for a smooth and enjoyable experience. Cash and cards are the common options, but there are also the rapidly evolving digital wallets that are becoming increasingly prevalent.

Cash in China:

• Obtain RMB through an authorized exchange service or an ATM supporting your card; availability varies by location.^[1]
• Choose an ATM displaying the international network logo on your card, then check its withdrawal limits and your issuer’s charges.^[2]
• Some hotels offer currency exchange services.
• Look for authorized exchange points at banks, airports and other marked locations; check the currencies handled and opening hours.^[3]
• Carry a modest cash backup suited to your immediate expenses, not an arbitrary minimum. Keep a second payment method for failed app or card transactions.^[4]

Credit/Debit Cards:

• UnionPay cards are widely accepted, while Visa, Mastercard, and American Express are less common but accepted where logos are displayed.
• Notify your bank before entering China.
• Foreign exchange fees may apply and not all places accept cards.

Digital Wallets:

• WeChat Pay and Alipay are the main digital wallet giants.
• Download the app and register with your phone number.
• Link an eligible international card and complete the identity or issuer checks requested; not every card or transaction is supported.^[5]
• Scan the verified merchant’s code or show your payment code, check the amount and recipient, then verify the result in the app.^[6]

For Malaysian Travelers:

• Touch’n Go eWallet is among the overseas wallets described in the government visitor guide. Check the app’s current China/Alipay+ acceptance and fees for your account before relying on it.^[7]

Some quick tips:

• download the app before traveling to familiarize yourself with its layout and interface.
• Use a trusted connection for setup and keep access to the number receiving verification codes.^[8]
• Add an eligible card in Alipay and test your setup. Linking successfully does not guarantee every merchant or transfer function will work.^[9]
• Although digital wallets are widely used, always keep some emergency cash on hand.
• For support, use the current in-app Help or customer-service contact from the official publisher. Do not rely on an unverified old telephone number or a stranger offering to activate your wallet.^[10]

In conclusion, understanding and being prepared with the various payment methods in China will ensure a hassle-free and enjoyable travel experience. Whether you prefer cash, cards, or the convenience of digital wallets, there’s a payment option to suit your needs. So, embrace the payment diversity and make the most of your journey in this vibrant and dynamic country.

China Payment Methods FAQs:

Refer:

1.WeChat – Apps on Google Play

2.Alipay – Apps on Google Play

3.China Internet Access and Applications: Your Guide to Staying Connected in the Middle Kingdom