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China Mobile Payments: A Simple Guide for Foreigners
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posted by TaoTao
Mobile Payments in China
A Complete Guide for Foreigners
Why Mobile Payments Matter
China is a cashless society where mobile payments dominate. Over 90% of transactions use apps like WeChat Pay and Alipay. From street food to high-speed trains, these apps make daily life incredibly convenient.
*Cash is rarely used in urban areas, so mobile payments are essential!
Two Key Payment Apps
WeChat Pay
Integrated with the super-app WeChat, it's perfect for daily small payments, social transfers (red envelopes), and offline stores.
*Used by over 1.2 billion people worldwide
Alipay
The pioneer of mobile payments in China, ideal for larger transactions, online shopping (Taobao), and financial services.
*More popular for e-commerce and international travelers
How to Set Up
1
Download the App
Search "WeChat" or "Alipay" on App Store/Google Play. Both have English versions.
2
Register an Account
Use your international phone number. WeChat may require a friend with an existing account to verify you.
3
Bind a Bank Card
Link a China-based bank card or an international card (Visa/Mastercard) in the "Wallet" section.
Where to Use
Mobile payments are accepted almost everywhere in China:
Retail Stores
Convenience stores, supermarkets, and shopping malls
Restaurants
From street food stalls to high-end restaurants
Transport
Subways, buses, taxis, and ride-hailing services
Online Shopping
E-commerce platforms like Taobao and JD.com
Important Tips
- Switch to English in app settings (Settings → Language)
- New accounts may have daily spending limits (~¥1,000)
- WeChat Pay works offline for up to 24 hours after initial setup
- For refunds, money goes back to your app wallet, not your bank card
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