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Opinion: without Alipay and Wechat Pay, you are screwed in Shanghai

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Old Jun 7, 2023, 10:09 am
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Last edit by: gudugan
China has largely moved to a cashless system with two widely accepted payment apps, AliPay and WeChat Pay. Both require extensive identity verification. Assuming you do not live in China (i.e. you are visiting for tourism/short term business, do NOT have a residence permit):

If you are coming for multiple visits:
  1. July 2023 update: A phone number does not seem to be required any more.
  2. [Optional but recommended] Open a new AliPay account (even if you have an existing one) because your old one could be in a weird state.
  3. Verify your passport with AliPay. If you have one, use your Chinese (+86) phone number over a foreign phone number. Many apps act differently if you use foreign phone numbers.
  4. Your account should be fully active and you can have a friend top up your balance on AliPay and pay with the balance.
  5. Add a Visa, MasterCard, Diners Club or Discover card to your account. For small purchases you can pay with your foreign credit card with no fee. A purchase of Y271 triggered a 3% fee.
If you need a phone number:
Go to a China Mobile or China Unicom store and get a cell phone number (estimated time 2.5 hours). Ideally go to the largest branch with most representatives as they will have the best chance of figuring it out. All you need is your passport and cash to pay the initial deposit (I brought Y200). Tourist visa is fine. You want to open this in the area that you will spend the most time in, as they may give you data locked to your province. I am paying Y40 for 12GB data (you need to keep the plan active in some form, even when you are outside of China). More details in https://www.flyertalk.com/forum/35217727-post24.html

If you are coming for a one time visit (maximum 10,000 CNY in 180 day period). This method is not currently recommended as the fees are higher than the above method and ID verification is still required.
  1. Download AliPay from the App Store
  2. In the search box at the top, type "TourCard"
  3. Verify your information and load money onto it. You will be charged a 5% fee for adding money. If the money is not used fully after 180 days, it will be refunded to your card. The current limit is 10,000 CNY. If you want to top up more than that, you can cancel the card after it expires and reopen a new card. The remaining amount of chargeable balance (max 10,000 CNY) will not be reset if you apply for a refund. My understanding is that since this is linked to your passport, if you need more than 10,000 CNY, you have to use another solution. Restrictions: You cannot transfer money to another account. Does not support wealth management, red envelope, etc.

Currently it is not recommended to open a bank account.


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Opinion: without Alipay and Wechat Pay, you are screwed in Shanghai

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Old Jun 20, 2023 | 6:05 am
  #496  
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The procedures keep changing so who knows how in practice you get unlocked. I was locked out of Weixin once and they wanted a couple of friends to verify me. I did that then they added more requirements, like the friends had to be "nearby" and have been on Weixin for a least six months or something.

The message was: Don't get locked out.
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Old Jun 20, 2023 | 7:03 am
  #497  
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Originally Posted by 889
The procedures keep changing so who knows how in practice you get unlocked. I was locked out of Weixin once and they wanted a couple of friends to verify me. I did that then they added more requirements, like the friends had to be "nearby" and have been on Weixin for a least six months or something.

The message was: Don't get locked out.
Yes. The "two friends" thing happens fairly often. While all of us have at least two friends, whenever the request comes through when they are asleep, things are not good.
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Old Jun 20, 2023 | 7:37 am
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Originally Posted by moondog
Yes. The "two friends" thing happens fairly often. While all of us have at least two friends, whenever the request comes through when they are asleep, things are not good.
What triggers it? What is this "two friends" thing?
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Old Jun 20, 2023 | 8:25 am
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I certainly don't know what's in Weixin's black box. But presumably something you've done -- maybe install Weixin on a new phone -- raises a security flag.

But honestly, we can only guess. Just recall all the floundering about we've done in these threads for years trying to figure out Weixin and Alipay procedures.
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Old Jun 20, 2023 | 8:31 pm
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Originally Posted by lsquare
What triggers it? What is this "two friends" thing?
Basically, it's a security validation procedure, often it will trigger when you log into WeChat from a new device in a new IP. It requires 2 of your friend who has got a "secured" status to send you PM a 6-digit number code AFAIK. Not a big deal if you got 300+ friends, but it's hard when you only have small amount of contacts.
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Old Jun 21, 2023 | 12:26 pm
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Trip Nmero Dos sans WeChat

This time, I was in Changsha and Nanning for a week total. Overall it was mostly fine without WeChat, but there were a couple of nuggets that might be worth sharing so that fellow non-WeChat users are aware.

A street vendor in Changsha wanted to charge me more for using cash, and then ultimately kiboshed my efforts. But that was the sole example of about 15 different street food purchases during the week. There were a couple of places that didn't have one mao, but whatever.

However, the metro systems are still stupid. A ticket is only valid within a certain number of hours on the date of purchase, so there's no planning in advance for when the hellish rush hour bell tolls. Every now and then, there would be a ticket machine that would only accept QR payment, but eventually it all worked out. (On some machines, you have to tap on the "cash/现金" button first, how inefficient).

Anyway, the VPNs were all struggling, but trip.com saved the day many a time. Changsha is neat if you're into chilies upon chilies, and Nanning is going through its annual durian craze.
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Old Jun 21, 2023 | 1:04 pm
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duplicate

Last edited by moondog; Jun 21, 2023 at 11:36 pm
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Old Jun 21, 2023 | 1:05 pm
  #503  
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Originally Posted by FindingFoodFluency
This time, I was in Changsha and Nanning for a week total. Overall it was mostly fine without WeChat, but there were a couple of nuggets that might be worth sharing so that fellow non-WeChat users are aware.

A street vendor in Changsha wanted to charge me more for using cash, and then ultimately kiboshed my efforts. But that was the sole example of about 15 different street food purchases during the week. There were a couple of places that didn't have one mao, but whatever.

However, the metro systems are still stupid. A ticket is only valid within a certain number of hours on the date of purchase, so there's no planning in advance for when the hellish rush hour bell tolls. Every now and then, there would be a ticket machine that would only accept QR payment, but eventually it all worked out. (On some machines, you have to tap on the "cash/现金" button first, how inefficient).

Anyway, the VPNs were all struggling, but trip.com saved the day many a time. Changsha is neat if you're into chilies upon chilies, and Nanning is going through its annual durian craze.
I haven't been to Changsha in a while, but Nanning happens often. Why would you go to either place without WX, AP, and V?
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Old Jun 21, 2023 | 1:51 pm
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Originally Posted by moondog
I haven't been to Changsha in a while, but Nanning happens often. Why would you go to either place without WX, AP, and V?
I don't need them, so why take them?

Sure, there was the occasional vending machine, or fridge (in the case of Nanning airport domestic baggage claim) that only accepted mobile pay, but convenience stores were convenient enough.

Perhaps the biggest hurdle is popular tourist attractions, as getting tickets for somewhere like Wulingyuan or Huangshan might be much more of a pain if one only has cash. With WeChat, this stuff can often be arranged in advance.

Personally, this having to rely on one's mobile phone for everything is making the country less and less appealing to visit.

Anyway, the post was more for anyone planning to travel to China, and didn't know what to expect without mobile pay (the VPN wasn't a huge issue, as international phone data can work).
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Old Jun 21, 2023 | 1:58 pm
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Originally Posted by FindingFoodFluency
I don't need them, so why take them?

Sure, there was the occasional vending machine, or fridge (in the case of Nanning airport domestic baggage claim) that only accepted mobile pay, but convenience stores were convenient enough.

Perhaps the biggest hurdle is popular tourist attractions, as getting tickets for somewhere like Wulingyuan or Huangshan might be much more of a pain if one only has cash. With WeChat, this stuff can often be arranged in advance.

Personally, this having to rely on one's mobile phone for everything is making the country less and less appealing to visit.

Anyway, the post was more for anyone planning to travel to China, and didn't know what to expect without mobile pay (the VPN wasn't a huge issue, as international phone data can work).
While I get the fact that you don't like the current norms, this thread demonstrates that they exist. Sure you can be stubborn, but you will be inconvenienced.
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Old Jun 21, 2023 | 8:41 pm
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Originally Posted by YuropFlyer
I can't read Chinese and I have ZERO problems using either AMap or Baidu maps to get around Chinese cities. The ads are clear (if annoying, yes), and I don't have any issues navigating myself around with them. Unless you can't read a map at all, and require Google to literally tell you to go left or right, both apps are working fine for Chinese illiterate people like myself.
It's doubltful... I am not talking about following a pictorial view of a map to turn left or right. I am talking about routing options, traffic consideration, price and transfer in/out of station and so on. You may think you have found your way but you surely miss all the nuances of their suggestions. Both AMAP and Baidu Map display information differently than Google Map, in terms of how it overlay other data and the amount of data. The embedding of ad data is not trivial to call out in all cases. There are 1st party and and 3rd party ads... Asking a simple public transit direction from point A to point B gets you half dozen options, including option to mix in car services. The devil is in all the details and I am certain people that don't speak Chinese will miss nearly all of them.
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Old Jun 21, 2023 | 8:48 pm
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Originally Posted by gudugan
Its pretty easy to create a Hotmail account then forward all your Gmail emails to that email while you are in China. Works with no problems.
to the poster saying Baidu sucks, I agree, use Bing China version, its not bad
A lot of issues:
1) You will then mess up Google Search functions on your Gmail.
2) Gmail and Hotmail use vastly different filing system and they are not compatible with each other. Tagging versus folders are very different. This is coming from people that designed these systems.
3) Of course this requires you to remember to forward your Gmail before you leave and then disable it when you return. If you are a frequent traveler in/out of China, or China is just a stop in your travel, this creates more things to remember or that could go wrong.
4) If/when Gmail misjudge some email as spam, then you won't get the forward. This is especially true and problematic with 2FA security emails.
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Old Jun 21, 2023 | 9:10 pm
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Latest update (6/2023) on WeChat's Weixin Pay and AliPay, from my coworkers and I, trying to get one of the wallet working so we won't starve in China

1) I have both accounts registered with same local phone number and gone through all the necessary SMS verifications.
2) Both accounts are verified as deeply as it can with US-issue passport, no Chinese ID, no Chinese bank account.
3) I added the same US-issue credit card to both accounts.
4) Both wallets appears in "functional" state, meaning I can launch and access wallet and not get alerts or warning about lock out or limited function.

Here are the key observations:
1) Tried to receive 5RMB from a local coworker - AliPay allowed me to accept but Weixin Pay did not.
2) Coworker tried to receive about 1000RMB from the same coworker and also worked on AliPay and not on Weixin Pay.
3) The "transfer from" coworker has long established accounts - basically our local person in China, so his account is not new.
3) Tried to spend the RMB in our AliPay "cash balance" - my 5RMB was spent with no issue; my worker tried to buy a mid-price Bluetooth headset and the "hundred RMB" range transaction was blocked. He has the cash balance but they decline to let him spend it. He attempt to buy a drink and AliPay did allow that.
4) I tried to pay for ~20RMB snack/meal with zero "cash balance". Once merchant scanned my QR code, the app prompted me to agree to the amount. The transaction triggered a charge to my credit card and app prompted me again to entered the CVV code!! Once I entered the CVV code, the transaction went through but it look a long time based on merchant feedback - the process does feel long to me as well compare to the usual swipe, insert or tap of my card in direct credit card transaction. Basically, every step require data exchanges between merchant, the pay platform server, me and then my bank and me again.
5) Same spend-via-credit card process for both Weixin Pay and AliPay.

In conclusion:
1) Same account setup/creation process for both, so it's an apple-to-apple comparison.
2) AliPay allowed me to accept money from friends/coworkers and spend it. Weixin Pay did not allow me to even accept money.
3) AliPay does allow you to spend small amount of that accepted money but not larger amount but not sure a few hundred RMB is consider a large amount.
3) Same spend process via charging the linked foreign-issued credit card.

All said and done, I'd recommend just use AliPay as it is more widely accepted and does allow you to transfer and spend petty cash.
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Last edited by wlau; Jun 21, 2023 at 9:19 pm
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Old Jun 21, 2023 | 9:24 pm
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Originally Posted by moondog
Yes. The "two friends" thing happens fairly often. While all of us have at least two friends, whenever the request comes through when they are asleep, things are not good.
Hahaha... My Chinese friends even asked me if I can only get locked-out during their daylight hours

In my case, most of my contacts are business associates. It's hard and weird for me to keep asking them to "verify me" whenever I get locked out. There are way too many possible triggers to get the account locked out. The good news is that most Chinese also experience lock out or account restrictions, so they understand the pain. Locals are telling me that e-wallet fraud is rampant in China, so these platforms are restricting anything remotely suspicious much more aggressively than before.
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Old Jun 21, 2023 | 9:42 pm
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Originally Posted by wlau
3) Tried to spend the RMB in our AliPay "cash balance" - my 5RMB was spent with no issue; my worker tried to buy a mid-price Bluetooth headset and the "hundred RMB" range transaction was blocked. He has the cash balance but they decline to let him spend it. He attempt to buy a drink and AliPay did allow that.
Same experience as you (detailed in the wiki) except I never got declined. Granted I didnt try anything larger than Y271
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