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:
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.
Currently it is not recommended to open a bank account.
If you are coming for multiple visits:
- July 2023 update: A phone number does not seem to be required any more.
- [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.
- 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.
- Your account should be fully active and you can have a friend top up your balance on AliPay and pay with the balance.
- 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.
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.
- Download AliPay from the App Store
- In the search box at the top, type "TourCard"
- 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.
Opinion: without Alipay and Wechat Pay, you are screwed in Shanghai
#496


Join Date: Oct 2014
Posts: 3,285
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.
The message was: Don't get locked out.
#497
A FlyerTalk Posting Legend




Join Date: Dec 2000
Location: Shanghai
Posts: 46,303
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.
The message was: Don't get locked out.
#498
FlyerTalk Evangelist


Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 21,004
#499


Join Date: Oct 2014
Posts: 3,285
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.
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.
#500




Join Date: May 2017
Posts: 1,265
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.
#501
Join Date: Apr 2022
Location: YouTube: @FindingFoodFluency
Posts: 441
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.
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.
#503
A FlyerTalk Posting Legend




Join Date: Dec 2000
Location: Shanghai
Posts: 46,303
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.
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.
#504
Join Date: Apr 2022
Location: YouTube: @FindingFoodFluency
Posts: 441
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).
#505
A FlyerTalk Posting Legend




Join Date: Dec 2000
Location: Shanghai
Posts: 46,303
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).
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).
#506


Join Date: Feb 2007
Location: SJC, SFO
Programs: Delta DM, IHG Spire, Hertz PC, H.com Gold^3, lowly something on others...
Posts: 1,261
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.
#507


Join Date: Feb 2007
Location: SJC, SFO
Programs: Delta DM, IHG Spire, Hertz PC, H.com Gold^3, lowly something on others...
Posts: 1,261
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.
#508


Join Date: Feb 2007
Location: SJC, SFO
Programs: Delta DM, IHG Spire, Hertz PC, H.com Gold^3, lowly something on others...
Posts: 1,261
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.

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.
Last edited by wlau; Jun 21, 2023 at 9:19 pm
#509


Join Date: Feb 2007
Location: SJC, SFO
Programs: Delta DM, IHG Spire, Hertz PC, H.com Gold^3, lowly something on others...
Posts: 1,261

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.
#510




Join Date: Jan 2020
Programs: SQ Gold, Marriott Lifetime Platinum, Caesars Diamond, Hilton Diamond, Atmos Silver, IHG Platinum
Posts: 2,228
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.



