Payment & Money
How money actually works in China in 2026: Alipay and WeChat Pay with foreign cards, cash, and what not to do.
Last reviewed October 23, 2026 · policies change — confirm the official sources before travel
China is close to cashless. Alipay and WeChat Pay handle nearly everything — from hotel deposits to a bowl of noodles — and both accept foreign cards now. Cash still works, but expect confused looks in big cities. Here is how the money side actually works.
Key points
What works in practice
Link your card and do a small test payment before you travel — verification failures abroad are common
Carry ¥200–300 in small notes for markets, public toilets and the odd taxi
Ask for a fapiao (invoice) if you need business expense proof
Exchange at bank counters or withdraw from ATMs — airport counters have the worst rates
Keep a second payment app set up as backup; foreign-card processing occasionally hiccups
Mistakes to avoid
Arriving with only a credit card and assuming cards work everywhere — physical cards rarely do
Following pre-2024 guides about Tour Pass — the service no longer exists
Changing too much cash: you will use your phone for 90% of spending
Not setting your card for overseas use, then getting declined at an awkward moment
Frequently asked
Is Alipay Tour Pass still a thing?
No. Tour Pass was discontinued. Since 2023, foreigners link international cards directly inside Alipay and WeChat Pay — simpler, with higher limits.
Will my Visa or Mastercard work in shops?
As a physical card, rarely. Linked inside Alipay or WeChat, it works almost anywhere QR payments are accepted.
How much cash should I carry?
¥200–300 as backup is plenty for most trips. Use it in markets and small vendors, and top up from ATMs if needed.
Questions about your trip?
If you want help with routes or want to ask me something directly, you can find me here.