Payment Guide
支付指南 - Complete guide for payments in China
Stages 2 & 10: Payment Systems & Shopping
Set up payment methods and learn shopping tips in China
Alipay (支付宝)
中国主要的移动支付平台，到处都可以使用。
China's dominant mobile payment platform, accepted everywhere.
⚙️ How to Set Up / 如何设置
- 1.Download Alipay app
- 2.Register with foreign phone number
- 3.Verify identity with passport
- 4.Link international credit/debit card
- 5.Set payment password
- 6.Verify with 3D Secure if required
下载支付宝应用
用国外手机号注册
用护照验证身份
绑定国际信用卡/借记卡
设置支付密码
如需要通过3D验证
💰 How to Use / 如何使用
- ✓Scan merchant QR code to pay
- ✓Show personal QR code for merchant to scan
- ✓Enter amount and confirm
- ✓Use Face++ for large transactions
- ✓Set as default in Apple/Google Pay
扫描商家二维码支付
展示个人二维码让商家扫描
输入金额并确认
大额交易使用人脸识别
设为Apple/Google Pay默认
✅ Pros
- +Widely accepted (98%+ merchants)
- +English interface available
- +Instant currency conversion
- +In-app translation features
⚠️ Cons
- -May require Chinese bank account for full features
- -Foreign cards not accepted everywhere
- -Setup process can be complex
💡 Pro Tips
- •Check exchange rate before payment
- •Transaction limit: 50,000 CNY/day
- •Use "Traveler" mode for easier setup
- •Keep some cash as backup
- •Verify final amount before confirming
WeChat Pay (微信支付)
集成在通讯应用中，第二大支付方式。
Integrated with messaging app, second most popular payment.
⚙️ How to Set Up / 如何设置
- 1.Download WeChat app
- 2.Register with foreign phone number
- 3.Complete WeChat Pay verification
- 4.Link Visa/Mastercard
- 5.Add travel card for easier setup
- 6.Set payment password
下载微信应用
用国外手机号注册
完成微信支付验证
绑定Visa/万事达卡
添加旅游卡以简化设置
设置支付密码
💰 How to Use / 如何使用
- ✓Scan QR code via WeChat
- ✓Use "Pay" function from chat
- ✓Show payment code at checkout
- ✓Haggle through WeChat (some vendors)
- ✓Send red envelopes to friends
通过微信扫描二维码
在聊天中使用"支付"功能
在结账时展示支付码
部分商家可通过微信砍价
给朋友发红包
✅ Pros
- +Built into WeChat messaging
- +Better customer support for foreigners
- +Peer-to-peer payments easy
- +Integrated with many apps
⚠️ Cons
- -Slightly less acceptance than Alipay
- -May have lower transaction limits
- -Verification takes longer
💡 Pro Tips
- •Most vendors accept both Alipay and WeChat
- •WeChat has better English translation
- •Connect to credit card for automatic conversion
- •Keep balance low, reload as needed
Tourist Card (TourCard/Wise)
为游客设计的预付卡，无需银行账户即可轻松设置。
Prepaid card designed for tourists, easy setup without bank account.
⚙️ How to Set Up / 如何设置
- 1.Order online before travel
- 2.Receive card by mail or at airport
- 3.Activate through app
- 4.Load money in local currency
- 5.Verify identity if required
- 6.Set PIN for ATM withdrawals
旅行前在线订购
通过邮寄或机场领取获得卡片
通过应用激活
以当地货币充值
如需要验证身份
设置ATM取款密码
💰 How to Use / 如何使用
- ✓Use as regular credit card
- ✓Tap for NFC payments
- ✓Add to Apple/Google Pay
- ✓Withdraw cash at ATMs
- ✓Pay online with card details
作为普通信用卡使用
NFC感应支付
添加到Apple/Google Pay
在ATM取现金
用卡信息在线支付
✅ Pros
- +No Chinese bank account needed
- +Easy online management
- +Transparent fees
- +Works globally
⚠️ Cons
- -ATM withdrawal fees
- -May not work at some small vendors
- -Limited refund options
💡 Pro Tips
- •Best for those without Chinese bank account
- •Competitive exchange rates
- •Accepted at most card terminals
- •ATM withdrawal fees apply
Cash (现金)
对小商贩、市场和紧急情况仍然有用。
Still useful for small vendors, markets, and emergencies.
⚙️ How to Set Up / 如何设置
- 1.Withdraw from ATM on arrival
- 2.Exchange currency at bank or airport
- 3.Keep small bills for small purchases
- 4.Use reputable exchange services
- 5.Check exchange rates before exchanging
到达后在ATM取款
在银行或机场兑换货币
保留小额钞票用于小额购买
使用正规兑换服务
兑换前查看汇率
💰 How to Use / 如何使用
- ✓Count bills before handing over
- ✓Check for counterfeit notes
- ✓Keep spare change for buses/markets
- ✓Negotiate prices in cash (markets)
- ✓Have backup cash in hotel safe
交钱前数清楚
检查假钞
为公交和市场保留零钱
用现金砍价（市场）
在酒店保险箱留备用现金
✅ Pros
- +Universal acceptance
- +No technology required
- +Best for bargaining
- +Essential backup
⚠️ Cons
- -Risk of theft/loss
- -Counterfeit risk
- -No record of transactions
💡 Pro Tips
- •ATMs available everywhere, fee may apply
- •ICBC, BOC, ABC have best international rates
- •Avoid street exchange (scam risk)
- •Keep small bills ready (10, 20, 50 CNY)
Security Warning
Never share your payment passwords, verification codes, or personal information with strangers. Bank staff and merchants will never ask for your passwords. Report suspicious activity immediately.