If you’re traveling in China, you’ll quickly notice that mobile payment is everywhere — from major malls to small street stalls.
The great news is: you no longer need a Chinese bank card to use China’s two most popular payment apps — Alipay and WeChat Pay.
Here’s a simple guide on how to get started.
Why Use Mobile Payment in China?
- 95%+ of businesses now use QR codes instead of cash or physical cards
- Even small vendors and taxis often won’t accept foreign credit cards
- No more cash hassles — safer and more convenient
- Tourists now allowed to register with international cards!
How to Use Alipay Without a Chinese Bank Card
1️⃣ Download Alipay App
- Available on Apple App Store / Google Play / official website
2️⃣ Register as “Tourist” User
- Open the app → choose International version or Tour Pass
- Use your passport for identity verification
3️⃣ Link an International Card
- Alipay accepts:
- Visa
- Mastercard
- JCB
- Discover
- Diners Club
- Debit and credit both work
- No Chinese phone number or bank account needed
4️⃣ Start Paying
- Tap Scan or show your QR code
- Alipay auto-converts currency to Chinese RMB (CNY)
How to Use WeChat Pay Without a Chinese Bank Card
1️⃣ Download WeChat App
- From Apple App Store / Google Play
2️⃣ Register Account
- Use an international phone number
- Identity verification with passport required
3️⃣ Link an International Card
- Visa / Mastercard / JCB / Discover — all supported
- Many travelers also use Wise Visa or virtual cards
4️⃣ Start Using WeChat Pay
- Go to Me → Services → Wallet → Cards to link
- Pay using QR code scan
Quick Tips
✅ Install both Alipay and WeChat Pay — some stores may prefer one over the other
✅ Have a little cash (RMB) as backup in remote areas
✅ Some advanced features (buying train tickets) may require extra setup — PandaPower can help!
At PandaPower, we help travelers enjoy China with the latest tools — no local bank card required.
👉 Ready for seamless travel? Book with PandaPower now!
