USEFUL Guidance: Payment Services in China

Are you now planning to go to China but confused about how to pay in China?

Don’t worry, this article will explain China’s payment services clearly to you.

Payment Services in China

You have a number of payment options at your fingertips while in China, ranging from mobile payments to bank cards and cash.
guide to find out more.

  1. Bank Card
  2. Mobile Payment
  3. Cash
  4. Bank Account
  5. E-CNY

Bank Card

Bank Cards issued in your home country/region, can be accepted if logos of UnionPay, Visa, Mastercard and other payment organizations are displayed at the checkout counter( see picture below).
If not, please ask the cashier whether your bank card can be accepted. if you hold a UnioinPay card, it can be accepted by all merchant POS terminals in China.

Mobile Payment

You can enjoy convenient payments with just a mobile phone. Payment services such as Alipay, Weixin Pay and UnionPay are availble.

For better payment experience, no IDs are required for transactions under a certain amount. Give it a go! Please watch videos for more details

Visa, Mastercard, JCB, Diners Club, and Discover cards can all be added to Alipay.

Pay by scanning QR code.
You can pay by scanning a merchant’s QR code (method 1) or by having a merchant scan yours (method 2).

Method 1: Tap “Scan”, and scan the merchant-presented QR code.

Method 2: Tap “Pay/Receive”, and present your QR code to the merchant.

Follow the instructions in the app to complete payment process.

Visa, Mastercard, American Express,JCB, Diners Club,and Discover cards can all be added to Weixin Pay.

Follow the instructions in the app to complete payment process.


If you need cash, you can withdraw RMB cash with your bank card at an ATM with logos of the corresponding bank card organizations.

You can also directly exchange at bank outlets with currency exchange signs, outlets of qualified financial institutions, or self-service kiosks.

Bank Account

You can open a bank account with your passport or other valid IDs at any nearby bank outlet, such as the Industrial and Commercial Bank of Chin(ICBC), the Agricultural Bank of China (ABC), the Bank of China (BOC), the China Construction Bank(CCB), and the Bank of Communications(BOCOM).

Please consult the staff at the bank outlet or visit their official websites for more details.

With the account, you can enjoy a variety of financial services (such as deposit and with drawal of both RMB and foreign currencies, foreign currency purchase and sale, domestic transfer and cross-
border remittance, foreign currency exchange, and making payments).


You can also make payments in e-CNY if you are interested in e-CNY.

Download the “e-CNY” app in the app store. Android users can also scan the QR code below to download.

Then, pay by following the instructions in the app.

Now, Do you know the methods ?
Get ready to come to China.

Article Resource: National Immigration Administration

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