How to Pay in China 2025: Payment Tips for First-Time Travelers

Planning a trip to China? Understanding how to pay in China is essential! In 2024, China leads the world in digital payments, making cashless common in many areas. But don’t worry—this guide covers everything about paying in China, from digital wallets like WeChat Pay and Alipay to traditional methods like credit cards and cash. Get fully prepared and enjoy a hassle-free adventure without worrying about payment options.

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China has become a global leader in digital payments, transforming into one of the most cashless societies in the world. Whether you're shopping at luxury malls, buying street food, or paying a local vendor, QR code payments are the norm. If you’re wondering about the best payment apps in China, we’ve got you covered. Here’s a guide to the must-have apps that ensure smooth and hassle-free transactions during your trip.

WeChat Pay

When it comes to paying in China, WeChat Pay is the go-to option for travelers and locals alike. It's a feature of the widely used WeChat app—China's "Super App"—and it’s a payment solution that works everywhere, from luxury stores to street markets.& The great news for tourists is that they no longer need a Chinese bank account to use it! Simply link your credit or debit card, top up your balance, and you’re ready to pay. It’s fast, secure, and incredibly convenient—a must-have app for any trip to China. 

How to Set Up WeChat Pay:

Activate WeChat Pay:

Top up your wallet:

AliPay

Planning a trip and wondering how to pay in China? Alipay is another top choice and one of the largest financial platforms in the country. The good news is that it’s now easier than ever for tourists to use, thanks to the Tour Pass feature.

How to Set Up and Use Alipay:

Register and Verify Your Identity

Activate Tour Pass

Add Funds and Start Spending

TrueMoney

Not sure which app to use for paying in China? If navigating apps like Alipay or WeChat Pay in Chinese seems daunting, TrueMoney Wallet offers an excellent alternative. Designed for Thai users, this app has partnered with Ant Group to make spending in China as simple as shopping at home. With TrueMoney Wallet, you can scan and pay at over 10 million Alipay+ merchants across China, including shops, restaurants, supermarkets, hotels, public transportation, and more.

How to Set Up and Use TrueMoney Wallet for China:

Register Your Account

Activate International Payments

Top-Up and Exchange Currency

Cash

If you're wondering how to pay in China without popular apps like WeChat Pay, Alipay, or TrueMoney, don’t worry! While digital payments dominate the scene, there are still other reliable methods to get by. 

Although China leads in digital payments, cash is still widely accepted in certain areas, especially in local markets, small restaurants, and street vendors. Carrying cash is a practical backup plan for emergencies or when you come across a market stall selling something irresistible. It’s recommended to keep around 1,000–2,000 Yuan or 20–30% of your budget in cash to cover such situations. 

Credit/Debit Cards

For travelers who prefer convenience, credit and debit cards are excellent alternative ways for paying in China. In major cities like Beijing, Shanghai, and Guangzhou, cards such as Visa, MasterCard, and American Express are commonly accepted at shopping malls, hotels, and upscale restaurants. Before your trip, notify your bank about your travel plans to ensure your card works in China and check for any foreign transaction fees to avoid surprises.

Travel Card

For travelers to China, a Travel Card is a game-changer. Designed specifically for international travel, it allows you to exchange currency in advance at favorable rates, avoiding the risk of fluctuating exchange rates. Travel Cards make managing your budget easier, while also providing the flexibility to withdraw cash from ATMs in China whenever needed.

Top recommendations include Travel Cards from leading banks like SCB Planet, KTB Travel Card, TTB All Free, or YouTrip. With these cards, you can enjoy greater control over your spending while ensuring a smooth and hassle-free travel experience.

With so many convenient payment options available, traveling in China has never been easier. Whether you choose the ease of WeChat Pay, Alipay, or TrueMoney Wallet, or prefer other methods like cash, credit cards, or Travel Cards, having a mix of options ensures you're ready for any situation.

Now that you know how to pay in China, it’s time to focus on enjoying your trip! From bustling cities to breathtaking landscapes, let nothing hold you back from exploring. And if you’d rather leave the planning to the experts, Gother’s all-in-one China tour packages have got you covered. With everything prepared for you, all that’s left is to pack your bags and create unforgettable memories in this incredible destination. Safe travels!