How to Use Alipay in China as a Foreigner: 2026 Guide

Why Alipay Matters for Travelers

In China, cash and credit cards are rarely accepted, especially at small vendors, street stalls, and even some restaurants. Alipay and WeChat Pay dominate mobile payments. For foreigners, Alipay is the most accessible option, with an international version that supports foreign cards and passports. This guide walks you through setting up and using Alipay in China, so you can pay like a local.

Getting Started: Download and Registration

Download the App

Before you fly, download Alipay from the App Store or Google Play. The app is available in English and other languages. Make sure you download the international version (not the Chinese-only one, which is harder to navigate).

Create an Account

Open the app and tap "Sign Up." Use your email or phone number. You'll need to verify your identity. For foreigners, the easiest way is to use your passport: select "Passport" as the ID type, then take a photo of the passport's data page and a selfie for facial recognition. This process usually takes a few minutes.

Linking a Payment Method

International Cards

Alipay now supports Visa, Mastercard, American Express, and JCB cards issued outside China. To add a card: go to "Me" → "Bank Cards" → "Add Card." Enter your card details. Some cards may require an additional verification step via SMS or email.

Note: Your card may incur foreign transaction fees. Check with your bank before traveling.

Alipay Balance and Top-Up

You can also top up your Alipay balance using a linked international card. This is useful if you want to set a budget or if your card is not accepted for some transactions. To top up: go to "Balance" → "Top Up." The minimum top-up is usually 100 RMB.

Using Alipay in China

In-Store Payments

When paying, open Alipay and tap "Pay" or "Scan." Two options appear:

• Scan the merchant's QR code: The merchant displays a QR code; you scan it and enter the amount (if not already set).
• Show your payment code: Tap "Pay" to show your barcode/QR code. The merchant scans it. Make sure you have funds or a linked card.

For small amounts, you may not need a PIN. For larger transactions, Alipay may ask for your payment password or fingerprint.

Transportation

Alipay works on public transport in many cities. In the app, find "Transport" or "City Services." You can activate a transit QR code for buses, metro, and even some high-speed rail tickets. For example, in Shanghai and Beijing, you can use Alipay's metro QR code. Just scan at the gate.

Ride-Hailing

Didi Chuxing (China's Uber) is integrated into Alipay. You can book a ride through the Alipay app, and the fare is automatically deducted from your linked card or balance. This is handy if you don't have the Didi app.

Online Purchases

Alipay is accepted on many Chinese e-commerce sites like Taobao and Fliggy. You can also use it to book hotels, train tickets, and attractions. When paying online, choose Alipay and you'll be redirected to the app to confirm.

Important Tips for Foreigners

Verification and Limits

Unverified accounts have lower transaction limits. To increase limits, complete full identity verification using your passport. This is recommended if you plan to make large purchases. As of 2026, the limits for unverified users are around 5,000 RMB per transaction and 50,000 RMB per year. Verified users can transact much higher amounts.

Currency Conversion

Alipay converts foreign currency to RMB at the time of payment. The exchange rate is generally competitive, but you may see a small markup. You can check the rate in the app under "Rates." Some banks also charge a foreign transaction fee, so be aware.

Internet and VPN

Most of Alipay works without a VPN, but some features may be restricted. If you have trouble, a VPN can help. However, be aware that VPN use is regulated in China; it's best to have one installed before you arrive.

Customer Support

If you encounter issues, Alipay has an in-app support chat. The support team can assist in English. You can find it under "Me" → "Help Center."

Alternative Payment Methods

While Alipay is the most convenient, WeChat Pay is also widely used. If you already have WeChat, you can link your card to WeChat Pay. However, Alipay is often easier for foreigners because of its international support. Some places may only accept one or the other, so having both is ideal.

Cash is still accepted, but it's becoming rare. Always carry a small amount for emergencies, but rely on Alipay for most transactions.

Troubleshooting Common Issues

Card Declined

If your card is declined, check that your bank allows international transactions. You may need to enable overseas usage. Also, ensure your card is not expired and that you have sufficient funds.

Identity Verification Fails

If passport verification fails, try again in good lighting. Make sure the passport photo is clear and not blurry. If problems persist, contact Alipay support.

App in Chinese

If your app is in Chinese, go to "Settings" → "Language" and select English. The app should remember your preference.

Final Thoughts

Alipay is a game-changer for travelers in China. Once you set it up, you'll wonder how you ever got by without it. Take time to set it up before your trip, and you'll be ready to pay for everything from a street snack to a high-speed rail ticket with a simple scan.