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Payment Methods in China

Essential payment options for a smooth travel experience in China

Payment Methods Overview

Cash

Chinese Yuan (CNY) is the official currency. While digital payments are prevalent, cash is still accepted in many places, especially in smaller towns and rural areas.

Widely accepted in most establishments
Exchange locations: Banks (with valid ID), airports, ports, hotels, and authorized exchange centers
Exchange limits: Maximum ¥5,000 per day per person; maximum $50,000 per year per person
ATMs: Available in most cities, many accept international cards (Visa/Mastercard), but may charge fees
Useful tips: Keep small denominations for taxis and small purchases

WeChat Pay

One of the most popular mobile payment methods in China. It's integrated into the WeChat app, which is widely used for messaging and social networking.

What you can do: Pay at restaurants, supermarkets, convenience stores, markets, and other places that accept WeChat Pay
What you can't do: Send red envelopes, purchase wealth management products, or use for cross-border payments
Fees: Transactions under ¥200 are free; 3% fee for amounts over ¥200
Limits: ¥6,500 per transaction, ¥60,000 per month
For detailed setup and usage instructions, please click here (WeChat Pay section)

Alipay

Another major mobile payment platform in China. It's part of the Alibaba Group and offers a wide range of financial services.

What you can do: Scan QR codes for payments at malls, shops, convenience stores, markets, public transportation, and taxis
Fees: Transactions under ¥200 are free; 3% fee for amounts over ¥200
Limits: Maximum ¥5,000 per transaction for international accounts
For detailed setup and usage instructions, please click here (Alipay section)