International visitors can use mobile wallets, bank cards and RMB cash in China. The safest setup is layered: verify one primary wallet before departure, keep another card or wallet available, and carry a modest cash reserve.
Set up a mobile wallet before departure
Official guidance says overseas visitors can register Alipay or WeChat with a foreign or Chinese mobile number and bind supported international bank cards. Complete the app's current identity and card verification while you can still receive security messages and contact your issuing bank.
Carry a real backup
Bring a second physical card, ideally from a different network or issuer, plus useful denominations of RMB. Direct foreign-card acceptance depends on the merchant and displayed network, while cash protects you from a dead phone, app lockout or bank decline.
Know how QR payment works
At a merchant you may scan the merchant's collection code or show your own payment code for the cashier to scan. Confirm the amount and merchant name before approving, protect the payment screen and never let a stranger bypass identity checks on your behalf.
Troubleshoot in the right order
Check mobile data, in-app identity status, card details, international transaction settings and issuer security blocks. Product limits, supported card brands and charges can change, so use the current in-app agreement rather than an old screenshot or social post.
Official sources
Sources checked 17 August 2026. Reconfirm time-sensitive details before departure.
Frequently asked questions
Can foreign tourists use Alipay and WeChat Pay?
Yes. Official guidance states that overseas visitors can register with foreign or Chinese phone numbers and bind supported international cards, subject to app verification and issuer approval.
Should I still carry cash in China?
Yes. RMB cash is a useful backup when a phone, wallet, card or merchant payment route does not work.
Can I rely only on a foreign credit card?
No. Acceptance varies by merchant. Combine a verified mobile wallet, another card and a modest RMB reserve.