Payments: Alipay, WeChat Pay, cards & cash
China is heavily QR-code based. Overseas visitors can often link eligible foreign cards to Alipay / Weixin Pay without a mainland bank account. Always check the in-app fee and limit screens; they override older blog posts.
Alipay
- Download Alipay; register with a mobile number that can receive SMS (overseas numbers usually work).
- Me → Bank Cards → add an eligible international card.
- Pay by scanning the merchant QR, or show your payment code.
Weixin Pay (WeChat Pay)
- Update WeChat; register/sign in with phone number.
- Me → Services → Wallet → Bank Cards → Add a Bank Card (passport upload may be required).
- Pay by scanning the merchant QR, or show your payment code.
The MFA consular payment leaflet (Sep 2026) notes that UnionPay, Visa, Mastercard, American Express, JCB, Diners Club, and Discover cards can be added to Weixin Pay (and similar networks to Alipay, without Amex listed there).
Limits & fees cited for overseas cards (Shanghai guide)
Shanghai municipal English guidance (updated Sep 2026) states that for overseas bank cards linked to Alipay or Weixin Pay:
- Single transaction limit: up to USD 5,000
- Annual cumulative limit: up to USD 50,000
- A transaction of 200 yuan or less is generally exempt from the platform’s service fee; above 200 yuan may incur a 3% service fee on the full amount
Check the payment page for applicable fees and limits for your account.
Physical cards & cash
- POS: look for Visa / Mastercard / UnionPay / Amex / JCB logos; ask if unsure. UnionPay cards are widely accepted on mainland POS.
- ATM: overseas cards at ATMs showing your network logo; the Shanghai guide notes overseas-card ATM cash withdrawals are generally subject to about 3,000 RMB per transaction (plus bank limits).
- Carry some RMB cash for taxis, small stalls, or outages.
Sources: MFA consular payment leaflet (PDF) · Shanghai.gov: Payments in Shanghai · Shanghai.gov: Banking & payments