Money & Payment
How payments work in China — it's almost entirely mobile.

| Method | How it works | When to use |
|---|---|---|
| Scan to Pay | YOU scan the merchant's QR code posted at the counter | Street vendors, small shops, market stalls |
| Show to Pay | Merchant scans YOUR QR code on your phone screen | Supermarkets, chain stores, large restaurants |
Both work with Alipay and WeChat Pay. Keep both apps ready on your phone's home screen for quick access.
International credit cards may work at major hotels, some malls, and larger tourist-facing businesses. But for daily spending, especially smaller restaurants, local shops, taxis, cafés, convenience stores, and less tourist-heavy areas, mobile payments are usually much smoother.
Set up Alipay and/or WeChat Pay before you arrive, and keep a small amount of cash as backup.

Most daily payments are mobile-first, but keep some cash (¥1,000-2,000) for:
• Small street vendors who only accept cash
• Rural areas and small towns
• Some traditional markets
• Emergency backup if your phone dies
• Tipping tour guides (if you choose to)
ATMs: Use major-bank ATMs and check fees before withdrawing. If asked, choose CNY / local currency and decline dynamic currency conversion.
If Alipay fails (card declined, network issue), immediately switch to WeChat Pay — or vice versa. Most merchants accept both.
Always have both set up and verified before your trip. Having two payment methods is your safety net. If both mobile payments fail, show your physical card — larger stores and hotels accept Visa/Mastercard.
China has no tipping culture. Tipping may be refused or cause confusion. This applies to:
• Restaurants — no tip expected
• Taxis / DiDi — no tip expected
• Hotels — no tip expected (bellhops may accept but it's not expected)
• Tour guides — small tip appreciated but not required
The price you see is the price you pay. No service charge, no gratuity line on receipts.
The price displayed is the final price. No hidden charges, no sales tax added at checkout. What you see on the menu or price tag is what you pay.
This applies everywhere: restaurants, shops, convenience stores, online orders.
Tax Refund for Foreign Tourists:
Foreign visitors can claim an 11% VAT refund at stores displaying the “Tax Refund" (退税) logo. Minimum spend: ¥200 for instant refund at participating stores, or ¥500 for traditional airport refund. Note: a ~2% service fee is typically deducted. Here's how:
“Instant Refund" stores: Some high-end malls offer "Buy & Refund" (即买即退) — you get the refund on the spot at the store, no airport visit needed. Look for the sign at the cashier.
| Location | Bargain? | Notes |
|---|---|---|
| Street markets, souvenir shops | Yes — expected | Start at 30-50% of asking price, settle around 50-70% |
| Small independent shops | Sometimes | Ask "能便宜点吗?" (Can it be cheaper?) |
| Malls, chain stores, supermarkets | No — fixed prices | Don't bargain here, prices are set |
| Restaurants | No | Menu prices are final |
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| Feature | Light | Pro | Premium |
|---|---|---|---|
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Tell us your vibe and we suggest spots locals actually go to.
川家本帮
上海市黄浦区中山东一路外滩附近
Zhongshan Dong Yi Lu, near The Bund, Huangpu District
Show this to your DiDi driver. Enjoy dinner!
慕田峪长城
北京市怀柔区渲海镇慕田峪村
Mutianyu Village, Bohai Town, Huairou District
I recommend booking a DiDi for ~150 RMB one way (~1.5 hrs). Want me to arrange a round-trip driver instead? About 500 RMB for the day with waiting time.
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