How to Pay in China Without Cash – Complete Travel Payment & Spending Guide
Learn how to pay in China without cash with this complete guide. Use Alipay, WeChat Pay, international cards and cash for a smooth, hassle-free China travel experience.
1. Mobile Payments – The Most Convenient Option for Travelers
Alipay (Highly Recommended)
International visitors can sign up easily using an overseas phone number and link their Visa or Mastercard credit card.
Simple identity verification only requires a valid passport.
Alipay is widely accepted across restaurants, retail shops, supermarkets, hotels, tourist attractions, taxis and public transportation nationwide.
It also features a large-font display mode, making it extremely senior-traveler friendly for your leisure and cultural tours across China.
WeChat Pay
WeChat Pay also supports linking most international bank cards for seamless transactions.
It works perfectly as a reliable backup payment method whenever Alipay is not accepted during your China travel itinerary.
2. Cash – Essential Backup for Remote & Rural Areas
I recommend exchanging CNY 1,000–2,000 right after arrival at the airport or local bank branch.
Physical cash is still indispensable in remote towns, small local stalls, traditional temples and lesser-known rural scenic spots.
Cash is legal tender and accepted everywhere throughout China, ideal for independent travelers and backpackers exploring off-the-beaten-path destinations.
3. International Credit & Debit Cards
Visa, Mastercard and UnionPay bank cards are readily accepted at star-rated hotels, major shopping malls, airports and high-end restaurants in most cities.
Many in-store POS terminals support contactless tap-to-pay, letting you complete transactions quickly and securely during your private tour or business trip.
4. Practical Payment Tips for Senior Travelers
Never scan unfamiliar or personal QR codes to avoid online fraud.
Carry a compact portable power bank to keep your phone charged for daily mobile payments.
Keep a written record of your passport details, bank card information and emergency contact numbers while traveling.
Tipping is not a local custom in China, so there is no obligation to tip guides, drivers or restaurant staff.
5. Emergency Payment Solutions
If your phone runs out of battery or gets lost, you can use physical cash, or ask your tour guide or travel companion to cover temporary payments.
For technical payment issues, use the official international support hotlines:
Alipay International: +86 0571-95188
WeChat Pay: +86 0755-86010330