How to Pay in China as a Tourist in 2023

Traveling to China offers a unique and fascinating experience, but understanding how to manage payments can be crucial for a smooth trip. As a tourist, you have several options for making payments, each with its own advantages and considerations. This guide covers the most common methods, including cash, credit and debit cards, mobile payments, and travel money cards.

1. Cash Payments

While China is rapidly moving towards a cashless society, cash is still widely accepted, especially in smaller towns and local markets. The local currency is the Chinese Yuan (CNY), and it's advisable to carry some cash for transactions in places that do not accept cards or mobile payments.

Obtaining Cash:

• Currency Exchange: You can exchange foreign currency for CNY at banks, airports, and exchange services. Always check the exchange rates and fees.
• ATMs: International ATMs are available in major cities and airports. Use your debit or credit card to withdraw local currency. Be aware of potential foreign transaction fees and ATM usage charges.

2. Credit and Debit Cards

Credit and debit cards are accepted at many hotels, restaurants, and larger retail stores. However, smaller businesses and local vendors may not accept them.

Using Cards:

• Major Networks: Visa and Mastercard are widely accepted, while American Express and Discover may have limited acceptance.
• Fees: Check with your bank about foreign transaction fees, which can add up when using your card abroad.

3. Mobile Payments

Mobile payments have become the most popular method of payment in China. Apps like Alipay and WeChat Pay are widely used and accepted throughout the country.

Setting Up Mobile Payments:

• Alipay: To use Alipay, you’ll need to download the app and set up an account. It may require linking a local Chinese bank account or credit card.
• WeChat Pay: Similar to Alipay, WeChat Pay is integrated into the WeChat app. You can use it to pay for goods and services by scanning QR codes or receiving payments.

4. Travel Money Cards

Travel money cards are preloaded with a specific amount of currency and can be used similarly to debit cards. They offer a convenient and secure way to manage your money.

Using Travel Money Cards:

• Purchase and Load: You can purchase travel money cards from banks or online. Load them with CNY before your trip.
• Usage: These cards can be used at ATMs and for purchases, but check for any associated fees and card acceptance.

5. Tips and Recommendations

• Inform Your Bank: Notify your bank of your travel plans to avoid any issues with card transactions.
• Keep Backup Options: Carry a mix of payment methods, including cash, cards, and mobile payment options.
• Check Compatibility: Ensure your mobile payment apps are compatible with Chinese merchants and services.

Summary Table of Payment Methods

Payment Method	Advantages	Disadvantages
Cash	Widely accepted, no transaction fees	Not accepted everywhere, can be lost or stolen
Credit/Debit Cards	Convenient, accepted in many places	Fees, not accepted in some local businesses
Mobile Payments	Fast, widely accepted in major cities	Requires local bank account or card linking
Travel Money Cards	Secure, easy to manage	Fees, limited acceptance

Navigating payments in China as a tourist can be straightforward with the right preparation. Understanding these options will help you enjoy your trip without worrying about how to handle your money. Whether you prefer cash, cards, mobile payments, or travel money cards, each method has its benefits and can be used to enhance your travel experience in China.