Mastering Mobile Payments in China: A Foreigner’s Guide to Alipay and WeChat Pay

I. Introduction: The Mobile Payment Revolution in China

In China, from bustling megacities to smaller towns, you’ll see locals paying for virtually everything – street food, taxis, utility bills, luxury goods, online shopping – using their smartphones. Cash is still accepted (and legally must be), but the overwhelming preference and ubiquity lie with mobile payments.

Improved Accessibility for Foreigners:

Recognizing the needs of international visitors, both Alipay and WeChat Pay have enhanced their services to allow foreigners to link their international credit and debit cards, making it much easier to participate in this digital ecosystem.

II. Alipay vs. WeChat Pay: A Quick Overview

While both serve the primary purpose of mobile payments, they originated differently and have slightly different focuses.

III. Essential Preparations Before You Start

Before diving into the setup process, ensure you have the following:

• A Smartphone: An iOS or Android device capable of running the latest versions of the apps.
• Data Access in China: Reliable internet is crucial. Options include:
  • International Roaming Plan (can be expensive, check rates).
  • Portable Wi-Fi Device.
  • Purchasing a Chinese SIM Card upon arrival (highly recommended for stable connectivity and potentially easier app verification).
• A Valid International Credit or Debit Card:
  • Visa, Mastercard, American Express, JCB, Diners Club, Discover are commonly supported for linking.
  • Ensure your card is enabled for international transactions. Inform your bank about your travel plans to China to prevent your card from being blocked.
• Your Passport: You will need this for identity verification (“real-name authentication”).
• Download the Apps:
  • Alipay: Search for “Alipay” on the Apple App Store or Google Play Store.
  • WeChat: Search for “WeChat” on the Apple App Store or Google Play Store. WeChat Pay is a function within the WeChat app.

IV. Setting Up Alipay for Foreigners (Step-by-Step)

Alipay has made significant improvements to its international user experience.

1. Download and Install Alipay:

   Get the app from your official app store.

   
2. Account Registration:

   Open Alipay. You’ll likely be prompted to register.

   You can usually register with your international mobile phone number. Select your country code and enter your number. You’ll receive an SMS verification code.

   Alternatively, if you have a Chinese SIM card, using that number can sometimes be smoother.

3. Set Your Region and Language:

   Alipay often detects your system language, but you can usually switch to English if needed. Make sure your region is set to “International” or your specific country if prompted.

4. Identity Verification (Real-Name Authentication – 实名认证 Shímíng Rènzhèng):

   This is a mandatory step. You’ll usually find this option in your account settings (e.g., “Me” > “Profile”).

   You’ll need to provide:

   • Nationality
   • Full Name (as it appears on your passport)
   • Passport Number
   • Passport Expiry Date
   • A photo of your passport’s information page

   Verification Tip

   The verification process can take a few minutes to a few hours. Ensure passport photos are clear and all information matches exactly.

5. Linking an International Bank Card:

   Once your identity is verified, go to the “Me” tab, then look for “Bank Cards”.

   Tap “Add Card” and enter your international credit/debit card details:

   • Card number (Visa, Mastercard, etc.)
   • Expiry date
   • CVV
   • Name on card
   • Billing address associated with the card

   You may need to verify via a small test transaction or SMS confirmation from your bank.

V. Setting Up WeChat Pay for Foreigners (Step-by-Step)

The process is similar to Alipay, but within the WeChat ecosystem.

1. Download WeChat and Register Account:

   If you don’t already use WeChat, download it and register an account using your mobile number (international numbers work).

2. Accessing WeChat Pay (Wallet):

   Once registered, find the “Pay” or “Wallet” function under “Me” > “Services”.

   Agree to terms to activate WeChat Pay if prompted.

3. Identity Verification:

   Navigate to “Me” > “Services” > “Wallet” > “Identity Information”.

   Provide passport details and upload passport photos as with Alipay.

4. Linking an International Bank Card:

   In “Wallet” > “Cards”, tap “Add a Card”.

   Enter card details and complete verification (may require SMS confirmation).

VI. How to Make Payments: The QR Code Dance

Once your card is linked and verified, you’re ready to pay! There are two main payment scenarios:

Scenario 1: Merchant Scans YOUR Payment Code

Common in supermarkets, chain stores, and restaurants.

Scenario 2: YOU Scan the Merchant’s QR Code

Common with street vendors, small shops, and taxis.

VII. Beyond Basic Payments: Other Useful Features

Mini Programs (小程序 – Xiǎochéngxù)

Lightweight apps within Alipay/WeChat that work with your payment setup:

VIII. Troubleshooting Common Issues

IX. Important Tips for a Smooth Experience

X. Security Considerations

• App Security: Enable payment passwords and biometric authentication
• QR Code Safety: Only scan codes from trusted merchants
• Device Protection: Never use public devices for payments
• Transaction Monitoring: Regularly check payment history

XI. Conclusion

Mastering Alipay and WeChat Pay transforms your China travel experience, letting you transact seamlessly like locals. While setup requires preparation, the convenience outweighs the initial effort.