🇨🇳 Complete Payment Guide for Foreign Visitors in China
Planning a trip to China? Whether you're exploring the Great Wall, visiting the Canton Fair, or heading to the wholesale markets of Guangzhou, understanding how to pay for things will make your visit smoother and more enjoyable.
This up-to-date guide covers all major payment methods accepted in China — from foreign credit cards and cash to Alipay, WeChat Pay, UnionPay, and the digital yuan (e-CNY).
Quick Tip Summary
Mobile Payments
Set up Alipay/WeChat Pay before arrival
Card Acceptance
Visa/Mastercard acceptance increasing
Cash & Digital
Carry some RMB + explore e-CNY
1. Foreign Bank Cards
Foreign-issued cards like Visa, Mastercard, and JCB are now accepted at an increasing number of merchants in China, especially in major cities.
Accepted at:
- Airports, hotels, and malls
- Tourist attractions and exhibition centers
- Restaurants, coffee shops, and chain stores
💡 Pro Tip:
If unsure, ask: "你们接受Visa或Mastercard吗? (Do you accept Visa or Mastercard?)"
Before you travel:
- Inform your bank about your travel dates
- Check if your card requires pre-approval
2. Using Cash (RMB)
Cash remains a convenient backup, especially in rural areas or smaller shops.
Ways to get RMB:
- ATMs from major banks (Bank of China, ICBC)
- Currency exchange counters at airports or hotels
- Licensed money changers in shopping areas
- Currency exchange kiosks using your passport
💡 Pro Tip:
Use WeChat or Alipay apps to find nearby exchange locations.
3. Mobile Payments
China is a leader in mobile payment technology, and foreign visitors can now join the cashless revolution.
Alipay+
- Download the Alipay app
- Sign up with an international phone number
- Link a Visa or Mastercard
- Use at restaurants, taxis, convenience stores
WeChat Pay (Weixin Pay)
- Register on the WeChat app
- Add a supported international credit card
- Activate WeChat Pay for QR scanning
UnionPay Tour Card
- Download the UnionPay app
- Apply for a virtual prepaid "Tour Card"
- Recharge with your overseas bank card
4. Overseas E-Wallets
If you already use a mobile wallet at home, you might be able to use it in China through Alipay+.
💡 Simply scan the merchant's Alipay QR code — no setup required if your wallet is integrated with Alipay+.
Supported wallets include:
5. Opening a Bank Account
If you're staying long-term or doing business in China, you can open a bank account with UnionPay functionality.
What you need:
- Passport with valid visa
- Chinese mobile number
- Proof of address (hotel booking or lease)
6. Digital Yuan (e-CNY)
e-CNY is China's official digital currency, usable via mobile apps and accepted at many merchants.
To use:
- Download the e-CNY app
- Register with passport and mobile number
- Add foreign card to top up balance
- Use like a QR payment app, even without internet
7. Customer Service & Help
If you need assistance, contact these services:
UnionPay
+86 95516
Alipay
+86 571 2688 6000
WeChat Pay
+86 95017
Payment Method Summary
Swipe left/right to view the full table →
| Method | Best Use | Setup |
|---|---|---|
Alipay / WeChat
| Everyday purchases, transport, food | Yes |
UnionPay Card
| General use, widespread acceptance | Minimal |
Cash
| Taxis, street vendors, backup | No |
e-CNY
| Digital payments, prepaid style | Yes |
Helpful Resources
China Visa Guide 2025
www.zhujianger.com/Getting-a-visa
Where to Stay in Guangzhou
www.zhujianger.com/where-to-stay-in-guangzhou
Guangzhou Airport Guide
www.zhujianger.com/guangzhou-airport-guide
Transit Without Visa (TWOV)
www.zhujianger.com/china-twov
Canton Fair Buyer Guide
www.zhujianger.com/buyer-guide
Unique Hotel Rooms in China
www.zhujianger.com/unique-hotels-china
Disclaimer
This guide is provided for informational purposes only. Payment method availability and requirements may change without notice. Always verify current payment options and regulations before traveling.
The information contained herein is subject to change and may not be up to date at the time of reading. We recommend checking with official sources for the most current payment information in China.
