Payment Methods for Travelers in China

1 Mobile Payments

WeChat Pay

The most widely accepted digital wallet, used by over 90% of vendors. Foreign tourists can now link international Visa/Mastercard (3% transaction fee applies).

• Setup: Download WeChat > "Me" > "Wallet" > "Cards" to add your foreign card
• Limits: ¥1,000/day spending cap for foreign cards
• Tip: Ask your hotel concierge to help verify your account

Alipay

Better for chain stores and online services like DiDi (China's Uber). Offers "Tour Pass" prepaid function.

• Best for: Booking train tickets, shopping on Taobao
• Tour Pass: Load up to ¥5,000 valid for 90 days

2 Cash (RMB)

Still essential for small vendors, temples, and rural areas. Newest banknotes feature Chairman Mao's portrait on one side and famous landmarks on the reverse.

• Denominations: Carry ¥10/¥20 notes (many taxis lack change for ¥100)
• Exchange: Avoid airport exchange counters - use ATMs at Bank of China/ICBC for best rates
• Security: 2019+ bills have tactile markings for the visually impaired

3 Credit Cards

Accepted at most hotels and upscale restaurants, but carry backup payment methods.

• Most accepted: Visa > Mastercard > UnionPay > JCB > Amex (rarely works)
• ATM withdrawal: ¥2,500-5,000 limit per transaction (check your bank's int'l fees)
• Pro tip: Inform your bank of travel dates to avoid fraud alerts