Best Payment App for China (2026)
⭐ Our top pickEssential for China
Wise
Link to Alipay — the easiest way to pay in China as a foreigner
- Best card to link with Alipay in China
- Mid-market exchange rate — lowest fees
- Free to sign up — no monthly charges
Set up WiseFree to join
Frequently asked questions
Can I use my credit card in China?
Increasingly yes at big hotels and airports, but most everyday spots — street food, taxis, small shops — only take Alipay or WeChat Pay. Set up mobile payments before you go and you'll never be stuck.
How do I set up Alipay as a foreigner?
Download Alipay, register with your passport, and link an international card. A low-fee multi-currency card (like Wise) avoids ugly exchange rates and foreign-transaction fees on every tap.