How to Pay for Things in China as a Tourist

As a tourist in China, navigating the payment methods can seem challenging due to the prominence of mobile payments and the various systems in use. This comprehensive guide will help you understand how to manage payments effectively during your visit.

1. Mobile Payments
China is a leader in mobile payments, with services like WeChat Pay and Alipay being the most widely used. These apps allow you to pay for almost anything, from street food to luxury goods, directly from your smartphone.

Setting Up WeChat Pay and Alipay:
To use these services, you’ll need a Chinese bank account, which can be challenging for tourists. However, some international bank cards are supported, and you might be able to use a tourist version of the app.

Using Mobile Payments:

1. Download the App: Download WeChat and Alipay from the App Store or Google Play.
2. Link Your Payment Method: If possible, link your international credit card or use a currency exchange service that supports these apps.
3. Scan QR Codes: When paying, scan the merchant’s QR code or present your QR code for payment.

2. Credit and Debit Cards
International credit and debit cards, such as those from Visa, MasterCard, and American Express, are accepted at major hotels, restaurants, and shopping malls. However, many small businesses and street vendors may not accept cards, so it's wise to carry some cash.

Using Cards:

1. Inform Your Bank: Notify your bank of your travel plans to avoid your card being blocked for suspicious activity.
2. Check Acceptance: Confirm with the merchant before making a purchase to ensure they accept your card.
3. Currency Conversion Fees: Be aware of potential foreign transaction fees and conversion rates applied by your card issuer.

3. Cash
Although digital payments are preferred, it’s essential to have some cash on hand. The Chinese currency is the Renminbi (RMB), and the unit is the Yuan (CNY).

Obtaining Cash:

1. ATMs: Use international ATMs to withdraw cash using your debit or credit card. Be aware of withdrawal fees and limits.
2. Currency Exchange: Exchange your home currency at banks or official exchange services. Avoid street vendors offering currency exchange as they may offer unfavorable rates or counterfeit currency.

4. Prepaid Travel Cards
Prepaid travel cards are another option, allowing you to load a specific amount of money onto a card that can be used similarly to a debit card. These are useful if you prefer to manage your spending and avoid carrying large amounts of cash.

Obtaining and Using Prepaid Cards:

1. Purchase: Buy a prepaid travel card from a bank or travel store before your trip.
2. Load Funds: Load your card with the desired amount of money.
3. Use: Use the card like a debit card for transactions. Check the card’s acceptance in China before purchasing.

5. Tips for Handling Payments

• Keep Small Change: Many small vendors may not have change for large bills.
• Check for Compatibility: Ensure your payment methods are compatible with the merchant’s systems.
• Stay Safe: Be cautious with your payment methods and avoid sharing sensitive information.

Conclusion
Navigating payments as a tourist in China requires some preparation, but understanding the options available can make your experience smoother. Mobile payments are the most convenient, but having a mix of cash, cards, and possibly a prepaid travel card ensures you’re prepared for any situation. By following these guidelines, you’ll be able to enjoy your trip without unnecessary hassle.