Best Payment Apps in China for Foreign Tourists 2025. Your Complete Cashless Travel Guide

Gone are the days when cash was king in China. In 2025, China has transformed into one of the world's most cashless societies, where WeChat Pay and Alipay are the two most widely used mobile payment platforms in China, accounting for the vast majority of daily transactions. From buying street food to paying taxi fares, mobile payment apps dominate every aspect of daily life in China, making them absolutely essential for foreign tourists who want to experience the country like a local.

If you've recently secured your China Visa and are planning your 2025 trip, understanding China's payment ecosystem is just as crucial as sorting out your visa requirements. This comprehensive guide will help you navigate China's digital payment landscape with confidence.

Why Mobile Payment Apps Are Essential for China Travel

The Reality of Cash in Modern China

While cash is no longer the dominant payment method in China, it's still accepted in most places, especially in tourist areas. However, relying solely on cash will significantly limit your experience. Many vendors, especially younger merchants and modern establishments, prefer digital payments and may not even have change for larger bills.

The Foreign Card Challenge

You can use credit cards and debit cards with logos of UnionPay, Visa, MasterCards, and other main banks, to pay in major cities. However, debit cards and credit cards are not frequently used directly to pay. Most establishments, from high-end restaurants to small convenience stores, don't accept foreign credit cards directly. Even when they do, the transaction fees can be substantial.

Why Download Apps Before Arriving

Download these apps before you arrive in China and link them to your bank account or credit card. Setting up payment apps once you're in China can be challenging due to verification requirements and potential internet connectivity issues. Having everything configured before your trip ensures you can start using cashless payments immediately upon arrival.

Top Payment Apps for Foreign Tourists in China

1. Alipay - The Tourist-Friendly Champion

Why Alipay is Perfect for Tourists:

If you can only set up one, Alipay's Tour Pass feature is generally more accessible for short-term visitors. Alipay is a must-have app for tourists in China, making cashless transactions effortless across the country. With Alipay, international travelers can easily link their Visa or Mastercard — no need for a local bank account.

Key Features for Foreign Tourists:

• Tour Pass Mode: Specifically designed for international visitors

• English Interface: Full English language support

• International Card Support: Accepts Visa, Mastercard, and other major cards

• Wide Acceptance: Accepted virtually everywhere in China

• Tourist-Friendly Setup: Easier registration process for foreigners

What You Can Pay For:

• Restaurants and cafes

• Transportation (metro, buses, taxis)

• Shopping malls and convenience stores

• Tourist attractions and museums

• Street vendors and markets

• Online services and delivery apps

2. WeChat Pay - The Social Payment Giant

Why WeChat Pay Matters:

WeChat Pay and Alipay are the two most widely used mobile payment platforms in China, and WeChat Pay has the added advantage of being integrated with China's most popular messaging app. This dual functionality makes it incredibly useful for tourists who also want to communicate with locals or access other WeChat services.

Benefits for Tourists:

• Integrated Communication: Chat with locals, tour guides, and service providers

• Universal Acceptance: Accepted at virtually all establishments

• International Card Linking: Foreign users can link their international credit cards, including Visa and Mastercard, to these platforms

• QR Code Payments: Simple scan-and-pay functionality

• Multi-language Support: WeChat Pay has been increasingly accommodating for foreign tourists. This includes providing multilingual support

3. UnionPay - The Banking Alternative

While not as feature-rich as Alipay or WeChat Pay, UnionPay serves as a solid backup option, especially for ATM access and traditional card payments where mobile payments might not be available.

Step-by-Step Setup Guide for Foreign Tourists

Setting Up Alipay as a Foreign Tourist

Step 1: Download and Register

• Download Alipay from your app store

• Open the app, tap "Sign Up" to register with your domestic cellphone number, please choose "international version"

• Use your international phone number for registration

Step 2: Identity Verification

• Upload a clear photo of your passport

• Take a selfie for identity verification

• Wait for approval (usually takes 24-48 hours)

Step 3: Link Your International Card

• Go to "Tour Pass" section in the app

• Add your Visa or Mastercard details

• Set up a spending limit for your trip

• Load funds onto your Alipay balance

Setting Up WeChat Pay as a Foreign Tourist

Step 1: Download WeChat

• Install WeChat from your app store

• Register using your international phone number

• Complete the basic profile setup

Step 2: Access WeChat Pay

• Find the "Pay" option in the WeChat main menu

• Select "Add Card" or "Wallet"

• Choose "Link International Card"

Step 3: Card Verification

• Enter your international credit card details

• Complete the verification process

• Set up payment password and fingerprint/face recognition

International Cards That Work Best

Recommended Card Types

Visa Cards:

• Most widely accepted international card type

• Works with both Alipay and WeChat Pay

• Generally has the smoothest verification process

Mastercard:

• Second most accepted international card

• Foreign users can link their international credit cards, including Visa and Mastercard, to these platforms

• Reliable for most transactions

Important Banking Considerations:

• Some foreign banks may block transactions in China

• Contact your bank before traveling to inform them of your China trip

• Ask about international transaction fees and daily limits

• Consider getting a travel-friendly card with low foreign exchange fees

Where You Can Use Payment Apps in China

Everyday Transactions

Transportation:

• Subway and metro systems in all major cities

• Public buses and BRT systems

• Taxis and ride-hailing services (Didi)

• High-speed trains and domestic flights

• Bike-sharing services

Food and Dining:

• High-end restaurants and hotel dining

• Local restaurants and family-run eateries

• Street food vendors and night markets

• Coffee shops and bubble tea stores

• Convenience stores and supermarkets

Shopping and Entertainment:

• Department stores and shopping malls

• Local markets and souvenir shops

• Tourist attractions and museums

• Movie theaters and entertainment venues

• Vending machines

Tourist-Specific Locations

Hotels and Accommodation:

• Most modern hotels accept mobile payments

• Hostels and guesthouses increasingly use QR codes

• Airbnb hosts often prefer mobile payments

Tourist Attractions:

• Entry tickets to major attractions

• Audio guide rentals

• Souvenir shops at tourist sites

• Tourist information centers

Essential Tips for Smooth Mobile Payments

Before You Travel

Banking Preparation:

• Notify your bank about your China travel dates

• Ask about daily spending limits for international transactions

• Inquire about foreign transaction fees

• Consider getting a backup card from a different bank

App Setup:

• Downloading and setting up Alipay or WeChat Pay is the most convenient option. Both offer English interfaces and cater to foreigners

• Complete verification processes before departure

• Test small transactions to ensure everything works

• Screenshot important app screens in case of internet issues

While in China

Connectivity Essentials:

• Get a Chinese SIM card or eSIM for reliable data access

• Download offline maps as backup

• Keep Wi-Fi passwords handy for restaurants and hotels

• They also recommend not using your VPN whilst using the payment services

Payment Best Practices:

• Always carry some cash as backup (500-1000 RMB recommended)

• Keep your phone charged with a portable battery pack

• Learn basic payment-related Chinese phrases

• Take screenshots of QR codes for important payments

• Keep receipts for larger purchases

Security and Safety

Protecting Your Payment Apps:

• Use strong passwords and biometric locks

• Don't share your payment QR codes with strangers

• Monitor your spending regularly through the apps

• Report any suspicious activity immediately

• Keep your linked cards' customer service numbers handy

Alternatives When Apps Don't Work

Traditional Payment Methods

UnionPay Debit Cards:

• Widely accepted at ATMs across China

• Can be used at major retailers and hotels

• Good backup for cash withdrawals

International Credit Cards:

• Still accepted at luxury hotels and international chains

• Useful for booking tours and high-value purchases

• Most airports accept international cards

Prepaid Travel Cards:

• Some international travel card companies offer China-compatible cards

• Can be loaded with multiple currencies

• Useful as emergency backup

Emergency Payment Solutions

Cash Exchange:

• Banks and official exchange counters

• Hotels (though rates may be less favorable)

• International airports

• Avoid street money changers

Tourist-Focused Services:

• Tourist information centers often help with payment issues

• Your hotel concierge can assist with app setup problems

• Travel agencies can provide payment guidance

Integrating Payment Apps with Your China Travel Planning

Just as you planned ahead for your China Visa Application, setting up payment apps should be part of your pre-travel preparation. Consider creating a comprehensive China travel checklist that includes:

1. Before Visa Application: Research payment options and start planning

2. During Visa Processing: Set up and verify your payment apps

3. Post-Visa Approval: Test your payment apps and ensure everything works

4. Pre-Departure: Load funds and inform your bank about travel plans

This integrated approach ensures you're fully prepared for both entry into China and seamless transactions once you arrive.

Frequently Asked Questions (FAQ)

Can foreigners use Alipay in China?

Yes, even as a foreign traveler, you can use Alipay and WeChat Pay in China without a local bank account. Alipay's Tour Pass feature is specifically designed for international tourists and allows you to link international credit cards directly to the app.

Do tourists need WeChat Pay in China?

While not absolutely mandatory, WeChat Pay is highly recommended for tourists. Setting up either WeChat Pay or Alipay will significantly enhance your experience, allowing you to pay like a local and access services like food delivery and ride-hailing.

Can I use Visa or Mastercard in China?

In Alipay and WeChat Pay, foreign users can link their international credit cards, including Visa and Mastercard, to these platforms. However, direct card acceptance at merchants is limited, making mobile payment apps essential.

What happens if my payment app doesn't work?

Always carry backup cash (500-1000 RMB recommended). You can also use UnionPay cards at ATMs, and international hotels typically accept foreign credit cards. Tourist information centers can provide assistance with app-related issues.

How much money should I load onto my payment apps?

Start with 1000-2000 RMB ($140-280 USD) for a week-long trip. You can always add more funds as needed. Monitor your spending through the apps and reload when your balance gets low.

Is it safe to use Chinese payment apps as a tourist?

Yes, both Alipay and WeChat Pay use bank-level encryption and security measures. By setting up Alipay and WeChat Pay, foreign visitors can enjoy a more integrated and convenient experience while navigating China's cashless society. Just follow standard digital security practices like using strong passwords and monitoring your transactions.

Conclusion: Embrace China's Cashless Future

Even as a foreign traveler, you can use Alipay and WeChat Pay in China without a local bank account, making your China travel experience significantly more convenient and authentic. By setting up these essential payment apps before your trip, you'll be able to navigate China's cashless society with confidence, from paying for street food to buying metro tickets.

The key to success is preparation: just as you took the time to secure your China tourist visa, investing time in setting up and understanding these payment apps will pay dividends throughout your journey. You can travel like a local — stress-free and cash-free once you have Alipay and WeChat Pay properly configured.

Ready to start your cashless China adventure? Download Alipay and WeChat Pay today, link your international cards, and prepare to experience China the way locals do. With proper preparation and the right payment apps, you'll find that paying in China is not only possible but incredibly convenient and seamless.

Remember to integrate your payment app setup with your overall China travel planning, ensuring you have both your visa and payment methods ready well before your departure date. Safe travels, and enjoy discovering the convenience of China's digital payment revolution!