Navigating payments in China as a tourist can indeed be a bit of a puzzle at first, but don’t worry. You might think that how to pay in China would be obvious, but it’s not that simple. China operates a virtually cashless system using QR code mobile payments. Mobile payments in China use either WeChat Pay or Alipay. This is a similar concept to ApplePay, although you won’t find ApplePay in China.
While cash is still legally accepted everywhere, its practical use has diminished significantly. From bustling city centers to quaint street stalls, digital transactions dominate. As a tourist, navigating this digital economy might seem daunting, but this guide will help you blend in seamlessly. Dive into the nuances of WeChat Pay, Alipay, and other payment methods to ensure a smooth and authentic experience in China.
1. Can I Still Pay by Cash in China?
China is becoming increasingly cashless. While you can still use cash, it’s not very convenient, especially for transactions like taxi rides where drivers prefer Alipay or WeChat Pay. Having cash is always handy, particularly in more remote areas or small local businesses. Chinese currency is called Renminbi (RMB), with the primary unit being the yuan (¥). Smaller denominations include the jiao and fen.
Brief Introduction about Renminbi
Renminbi, often abbreviated as RMB, is the official currency of China. The word “Renminbi” translates to “People’s Currency” in Mandarin. The most commonly used unit of RMB is the yuan, symbolized as ¥. One yuan divides into ten jiao, and one jiao divides into ten fen. While traveling in China, you’ll mostly deal with banknotes, as coins are less frequently used.
Advantage and Disadvantage of Using Cash
Advantages
- In some regions, especially rural or less touristy areas, cash is still king. It’s easier for transactions at local markets or with street vendors.
- Cash transactions are straightforward and don’t require technical know-how.
Disadvantages
- Carrying a lot of cash poses a security risk.
- It’s less convenient compared to mobile payments, and you might struggle to get change for large denominations.
- Some modern establishments in urban areas prefer cashless payments and might not accept cash.
Note: It’s easier to exchange money at Beijing’s two airports. Dedicated payment service centers have been launched at both airports, offering a wide range of services to cater to the diverse payment needs of foreign visitors. These centers provide assistance with downloading mobile payment applications and using ATMs for cash withdrawal. A key feature is an automated currency exchange machine that interacts in eight languages and exchanges 21 currencies, effectively meeting the cash needs of most overseas visitors.
2. How Can I Use Mobile Payments?
China is big on mobile payments. Platforms like Alipay and WeChat Pay are incredibly popular. However, these might be tricky for tourists as they often require a Chinese bank account. But, there’s good news! Some services have started catering to international visitors, allowing you to use these platforms for a limited time linked to your international credit card. Do check the latest updates on this before you travel.
How to Download Alipay or WeChat Pay Before Coming to China
- Visit the App Store or Google Play Store and download Alipay or WeChat.
- Sign up using your mobile number. Ensure your phone can receive SMS abroad for verification.
How to Link My International Credit Card to Alipay or WeChat Pay
- Open the app and go to the ‘Me’ section.
- Tap on ‘Wallet’ and then ‘Cards’.
- Add your international credit card by filling in the details as prompted.
How to Use Mobile Payment (Scan QR Code) in China
- When making a payment, open the app and select the ‘Pay’ option.
- A QR code scanner will open. Scan the merchant’s QR code.
- Enter the amount and confirm the payment.
3. Is it Convenient to Use Credit Cards?
Major credit cards like Visa, MasterCard, and American Express are accepted in larger hotels, restaurants, and stores, especially in big cities. However, they might not be widely accepted in smaller towns or rural areas. Taxis generally do not accept credit cards.
Advantage and Disadvantage of Using Credit Cards in China
Advantages
- Safer and more secure than carrying large amounts of cash.
- Convenient for larger transactions or in establishments that cater to international tourists.
Disadvantages
- Not universally accepted, especially in smaller towns, rural areas, and by some taxis.
- Foreign transaction fees may apply, depending on your card and bank.
You can easily exchange money using your credit card at the airports in Beijing upon arrival.
4. UnionPay Cards
China’s own card network, UnionPay, is widely accepted. If your credit or debit card is a UnionPay partner, you’ll have more flexibility. UnionPay is recognized in most establishments across China, from high-end hotels to local shops.
The acceptance of UnionPay cards offers an additional layer of convenience for travelers. This network has gained international presence, so check if your local bank offers UnionPay cards.
5. Traveler’s Cheques and Foreign Currency
Traveler’s cheques and foreign currency are not commonly used in China and can be challenging to exchange, making them less recommended for travelers.
The hassle and additional fees involved in exchanging them, along with their limited acceptance, make other forms of payment more practical.
Practical Tips
Notify your bank about your travel plans to avoid any fraud alerts or blocks on your card. Carry a mix of payment methods – some cash, a credit card, and perhaps a mobile payment option if possible.
Smaller denominations are useful for smaller purchases or in areas where change might be hard to come by. And remember, while exploring the outdoor wonders of China, having some cash is always a good idea, as digital connectivity might not be reliable in more remote areas. Happy travels!
In conclusion, while exploring the outdoor wonders of China, having some cash is always prudent, especially as digital connectivity may not be reliable in more remote areas.
Embrace the local payment culture but also keep a backup, like a credit card or UnionPay, for convenience. With these tips and insights, you’re now equipped to navigate China’s payment landscape like a local. Happy travels and enjoy the diverse experiences China has to offer!
