China Payment Guide 2026: Cash, Alipay, or WeChat Pay?

China stands as a global leader in digital innovation, transforming how people pay for goods and services. As we approach 2026, the situation of China’s payment landscape continues to evolve, offering a mix of traditional and modern options. Whether you’re a tourist, expat, or business traveler, it’s essential to understand how to navigate China’s payment systems. In this guide, we’ll explore the three primary China payment methods used in China: cash, Alipay, and WeChat Pay, and then assist you in deciding which option best suits your needs.

How to Pay in China?

1. Cash

While cash is no longer the dominant payment method in China, it’s still accepted in most places, especially in smaller cities, rural areas, and traditional markets. However, cash usage has declined significantly in major cities such as Beijing, Shanghai, and Shenzhen. In addition, many businesses, including taxis and street vendors, now prefer digital payments. That said, carrying some cash as a backup is always a good idea. Now, let’s take a look at how you can get your cash.

One of the easiest and most straightforward ways to get your cash is exchanging currency. Usually, major airports, banks, and authorized currency exchange offices will offer this service. However, exchange rates and fees can vary, so it’s wise to compare options. Also, keep in mind that you’ll need your passport for currency exchange transactions.

How to Exchange Money in Chinese? 1. I want to exchange RMB. > 我需要兑换人民币。(Wǒ xūyào duìhuàn rénmínbì) 2. Can I exchange to RMB? > 我能换成人民币吗？ (Wǒ néng huàn chéng rénmínbì ma?) 3. Excuse me, what’s the exchange rate from USD to RMB? > 请问，美元兑换人民币的汇率是多少？(Qǐngwèn, měiyuán duìhuàn rénmínbì de huìlǜ shì duōshǎo?) 4. I want to change 500USD to RMB. > 我要换500美元成人民币。 (Wǒ yào huàn 500 měiyuán chéng rénmínbì.) 5. Do I need a passport for the exchange money? > 兑换货币需要护照吗？(Duìhuàn huòbì xūyào hùzhào ma?)

*Notes: You can change the bold words according to your currency (e.g: Euro, 欧元 Ōuyuán; Japanese Yen, 日元 Rì yuán)

Another option is to use ATMs, which are widely available in China and generally accept international cards like Visa, MasterCard, and UnionPay. It’s advisable to find major banks like the Bank of China (BoC), Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), and Agricultural Bank of China (AgBank). Regardless, be aware that your home bank may charge foreign transaction fees, and local banks could impose withdrawal fees as well. Therefore, be sure to check the information in advance. If you need to withdraw larger amounts of cash, visiting a bank branch can be a reliable choice. Remember to bring your passport and be ready for potential language barriers; having a translation app can be helpful. Finally, always inform your bank of your travel plans to prevent any card blocks.

2. Alipay

Alipay, operated by Ant Group, is one of China’s most popular mobile China payment platforms. It’s widely accepted across the country, from high-end restaurants to street food stalls. Yes, there are a lot of street food stalls or small stores accepting digital payments in China. Using Alipay allows users to link their international bank cards (Visa, Mastercard, etc.), making it convenient to buy things. However, Alipay only allows foreigners to link their credit cards, and you can not top-up your Alipay balance and transfer to another account unless you link local bank cards.

How to use Alipay?

1. Download the App: Install Alipay from your app store.

2. Register an Account: Start by creating an account and registering your phone number. Do not be afraid because you can use an international phone number. Then do not forget to verify your account by using your passport for real-name authentication.

3. Link your card: Finally, link your international bank card. Note that some features may be limited for international users.

3. WeChat Pay

WeChat Pay is an integrated app of WeChat app, which is another giant in China’s payment ecosystem. WeChat Pay is accepted almost everywhere Alipay is, sometimes, they even use the same QR code. Beyond payments, WeChat Pay offers a seamless experience for splitting bills, sending red envelopes (gifting money), and accessing mini-programs for food delivery and ride-hailing services. Its integration with WeChat’s social features makes it a favorite among locals. However, for foreigners, WeChat Pay has the same limitation as Alipay, where it can only link international credit cards (Visa, Mastercard, etc.).

How to use WeChat Pay?

1. Download the App: Install WeChat from your app store.

2. Register an Account: Then create an account and register your phone number, you can use an international phone number for this. Then, you will need to have your account verified by other WeChat accounts, such as your friends or other users nearby. If you don’t have a friend nearby, you can verify your account through WeChat Pay by following the instructions on the screen. 

What to do If You Have no Credit Card?

One of the frequently asked questions about China’s digital payment guide is, ‘What if we don’t have credit cards?’ In fact, there are three commonly used methods to address this issue.

The first option is for those without a credit card due to age restrictions; they can link their Alipay or WeChat Pay account to a parent’s or guardian’s credit card.

The second option involves withdrawing the amount of cash you need and asking a friend with a local bank account for help. Although you are unable to transfer money from your linked credit card to another person, you can still receive a transfer from another person. However, the money will be transferred into your account balance, not your card. Therefore, you can give your friend the cash and ask them to transfer it to your Alipay or WeChat Pay balance.

The third option is to use cash when paying for things. Keep in mind that when you are withdrawing money from the ATM, it usually comes in 100 bills. Therefore, you can ask the store clerk or owner to give you the change via Alipay or WeChat Pay transfer. If you want to use this method, you can learn the following sentence:

1. Can you transfer the change to my Alipay? > 你能用支付宝给我还吗？(Nǐ néng yòng zhīfùbǎo gěi wǒ huàn ma?) 2. Can you transfer the change to my WeChat Pay? > 你能用微信支付给我还吗？(Nǐ néng yòng wēixìn zhīfù gěi wǒ huàn ma?)

Cash, Alipay or WeChat Pay?

In 2025, China’s payment ecosystem will be more accessible than ever, blending tradition with innovation. Whether you choose cash, Alipay, or WeChat Pay, understanding your options will ensure a smooth and hassle-free experience in this dynamic country. But which one is the most suitable? Let’s summarize the pros and cons of each method to make choosing easier.

Method	Pros	Cons
Cash	– Universally accepted – No need for technology – No internet access required	– Decreased convenience as acceptance declines in urban areas – Risk of theft or loss
Alipay	– Widely accepted – Wholesome features for payments – Tourist-friendly financial services	– Requires a smartphone and internet connection.- Some features may be limited for international users.- Small stalls may use a transfer QR code for payment.- International users are unable to pay with Alipay.
WeChat Pay	– Integrated with WeChat’s message- Widely accepted – Convenient for everyday use  – No need to download multiple applications, as it functions within WeChat

If you are a tourist or on a business trip and are only planning to stay in China for a short while, relying on a combination of cash and Alipay/WeChat Pay is recommended. Use cash for small vendors, rural areas, and emergencies, while digital payments for cities. But, if you are a long-term visitor, expat, or international student, setting up Alipay or WeChat Pay with a Chinese bank account will provide you with maximum convenience.

Finally, no matter what China’s payment method you choose, we wish you happy travels and happy spending!