Mobile payment is the default in China. Alipay and WeChat Pay QR codes are everywhere, from chain stores to market stalls. Foreign cards can be linked to both apps, but the setup takes time and does not always work smoothly. Cash is still accepted, though some businesses are reluctant to make change.
In short
Set up Alipay before you fly, link a Visa or Mastercard, and carry a few hundred yuan in cash as backup. Tell your bank you are travelling. Expect small stalls to prefer QR codes.
Setting up mobile payment
Download Alipay before you travel and complete the identity verification. You can link a foreign Visa or Mastercard; the app will usually charge a small transaction fee for international cards. WeChat Pay also supports foreign cards but the setup can be more finicky.
Test the app before you rely on it: buy something small at the airport or a convenience store. Some foreign cards are declined for certain transactions, and some accounts require extra verification. Have a backup card and cash.
Cash and ATMs
Cash is legal tender and should be accepted, but smaller businesses may not have change. Carry ¥200 to ¥500 in small notes. ATMs are available in the new town and at the airport; not all accept foreign cards, so try a major bank.
Hotels and larger restaurants accept international cards, but many guesthouses and village businesses do not. Do not assume you can pay by card in Baisha or at a market stall. The budget briefing explains typical costs.
Practical habits
Tipping is not expected in China. Restaurants and taxis quote the price; rounding up is optional. Bargaining is normal in tourist markets but not in shops with fixed prices. Keep receipts for larger purchases.
If a payment fails, do not hand your phone to a stranger to fix it. Use your backup method and move on. For taxis, agree the fare or use the meter; ride-hailing apps are useful if you have a Chinese number or Alipay's built-in service.
Verdict
Alipay plus a cash float covers almost everything; set it up before you land.
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Independent advice. No bookings, no commissions, no visa service.