How to Pay in China as a Tourist in 2023

When traveling to China, understanding how to pay for goods and services is crucial. The Chinese payment landscape has evolved rapidly, and what may have worked a few years ago might not be effective today. In 2023, cash is becoming less common, and digital payments are the norm. Here’s a comprehensive guide on how to navigate payments during your stay in China.

1. Cash Payments

Although digital payments are dominant in China, carrying some cash is still advisable, especially when visiting rural areas, small vendors, or local markets. The local currency is the Chinese Yuan (CNY or RMB), and you can exchange your currency at airports, banks, or through currency exchange services in cities. However, large cities like Beijing and Shanghai are increasingly cashless, with digital transactions being the preferred method.

2. Credit and Debit Cards

International credit and debit cards, such as Visa, MasterCard, and American Express, are accepted at high-end hotels, major department stores, and international chain restaurants. However, you may encounter difficulties using them at smaller shops or in taxis. Make sure to inform your bank of your travel plans to avoid any issues with card usage. Additionally, be aware that many Chinese merchants prefer mobile payments, even over card transactions.

3. Mobile Payments

Mobile payments are king in China, with Alipay and WeChat Pay being the two most popular platforms. Tourists can now use these services, but the process may require a bit of setup.

a. Alipay

Alipay is one of the most widely used mobile payment systems in China. For tourists, Alipay has introduced a "Tour Pass" service that allows you to load a pre-paid digital card with foreign currency and use it just like a local would. Here’s how to set it up:

1. Download the Alipay app from your app store.
2. Sign up using your phone number and follow the prompts to create an account.
3. Go to the "Tour Pass" section within the app.
4. Load the card with a minimum of 100 RMB and up to 2,000 RMB from your international credit or debit card.
5. Use the QR code in the app to pay for goods and services.

b. WeChat Pay

WeChat Pay is another major mobile payment platform in China, integrated into the WeChat app, which is widely used for messaging, social media, and payments.

1. Download WeChat and set up an account.
2. Go to the "Wallet" section in the app.
3. Link your international bank card (Visa, MasterCard, etc.) to your WeChat account.
4. Use the QR code to make payments at any store that accepts WeChat Pay.

4. UnionPay Cards

UnionPay is China's national bank card network, and many foreign banks issue UnionPay-compatible cards. If you have one, this can be a convenient way to pay in China, as UnionPay is accepted almost everywhere.

5. Prepaid Cards

Some merchants and attractions may accept prepaid cards, which can be purchased at convenience stores or tourist information centers. These cards are convenient for paying in situations where other methods might not be accepted, such as at vending machines or public transportation.

6. Handling Currency Exchange

It’s wise to exchange a portion of your money into RMB before arriving in China. Most major international airports offer currency exchange services, and there are also plenty of exchange services in Chinese cities. However, the exchange rates at airports may not be as favorable as those offered by banks in the city. Keep in mind that not all currency exchange locations accept foreign credit or debit cards, so bringing some cash for initial exchanges is recommended.

7. Tips for a Smooth Payment Experience

• Always have multiple payment options. While mobile payments dominate, having cash and a credit or debit card as a backup is wise.
• Consider the currency conversion rates and fees associated with international transactions. Some mobile payment platforms may offer better rates than others.
• Watch out for scams. Stick to official apps like Alipay and WeChat, and avoid using unknown third-party payment services.
• Keep your phone charged. With mobile payments being essential, a dead battery can leave you unable to pay for anything.

8. Emergency Situations

If you encounter issues with your cards or mobile payments, contact your bank immediately. It’s also a good idea to have a backup plan, such as a trusted friend or relative who can send money to you if needed. Some services, like Western Union, are available in China and can help in emergencies.

In summary, the key to successful payments in China is preparation. By setting up mobile payment apps like Alipay or WeChat Pay before your trip, carrying some cash, and being aware of your card’s limitations, you can enjoy a stress-free experience as a tourist in China.