alipay

I have not touched cash in 3 months. My European clients find this terrifying before arriving. "What if my phone dies?" By day 2 they scan QR codes like locals. By day 5 they complain their home country is so backward. China did not skip the credit card era. It leapfrogged to mobile payment. Once you experience it, you do not want to go back.

A client from Texas asked me last week: "Do I really need WeChat Pay and Alipay, or can I just use cash?" Short answer: bring cash as backup, but you'll struggle without the apps. Here's the reality: even street vendors in Chengdu now have QR codes. I watched a French tourist try to buy an egg crepe (jianbing) with a 100 yuan note last month. The vendor couldn't make change. The guy behind him in line scanned a QR code and paid for it. The Frenchman looked so confused I stepped in and helped him set up Alipay on the spot. My advice: set up Alipay before you leave home. Link your international card. It takes 10 minutes and saves you a hundred awkward moments. Need help? I wrote a step-by-step guide. Link in bio.

I had an Australian couple show up in Shanghai last month with nothing but a Revolut card and a prayer. No cash, no Alipay, no backup. "We heard China is cashless!" they said proudly. They're right. But there's a gap between "cashless" and "your foreign card works everywhere." Most places accept Alipay and WeChat Pay, but your Visa/Mastercard only works at international hotels, big malls, and some chain restaurants. Street stalls, local restaurants, metro tickets? App-only. Here's what I tell every client: bring ¥500-1000 in cash for emergencies, set up Alipay with your international card before you leave, and treat WeChat Pay as your backup. That combo covers 99% of situations. I once had a client try to pay for hotpot with his Amex. The waiter laughed. Not in a mean way — just genuinely amused that someone would try. We paid with Alipay. Everyone moved on.

A client sent me a voice message last night panicking because she could not add her foreign Visa card to Alipay. I talked her through it in 5 minutes (trick: use Tour Pass mode, not the regular wallet). She messaged me back an hour later: I just bought street food from a tiny stall in XiAn using my phone. The lady selling it was more excited than I was. This is the thing about China travel in 2026 — the payment problem is mostly solved, you just need to know the right setup. The old advice about carry cash everywhere is outdated. I have not used cash in over a year.