FYI, for Apple Pay

https://support.apple.com/en-us/HT207957

“* In China mainland, you can use Apple Pay on the web in Safari only on compatible iPhone and iPad models using iOS 11.2 or later.”

I will use my IHG Rewards MasterCard wherever I can, but for my first trip (two weeks) I’ll come prepared to pay cash for most things (maybe everything).

I think we’ve more chance of China’s payment systems coming to the rest of the world than we have of any Western based payment system taking hold in China.