China has largely moved beyond cash. Cards work at hospitals and hotels — but for taxis, restaurants, and stores, you need Alipay or WeChat Pay. Both now accept international Visa, Mastercard, and Amex.
Setup (10 Minutes)
Alipay: Download, sign up with international phone, passport verify, bind card, top up wallet.
WeChat Pay: Same process. Foreign card limits: USD200/transaction, USD1,000/month, USD50,000/year.
Fees
Alipay: 3% under CNY200, free above. WeChat: 3% on all foreign card transactions.
Pro Tips
- Screenshot QR codes for patchy WiFi
- Activate Alipay Tour Pass for discounts
- Bring CNY1,000-3,000 cash backup
- Notify your bank before travel
Full guide: ssankang.net/payment-guide
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