Set up before departure
Check with your bank whether your card supports international purchases and whether extra verification is required. If you plan to use a mobile payment app, download it from its official source and follow its current instructions to register and link an eligible card. Alipay and WeChat Pay are among the options described in China's official visitor payment guide.
Know what can vary
Card linking depends on the app, issuer and account checks; it may not work with every card or transaction. Before paying, check the amount and follow the app's instructions for scanning a merchant code or showing your own. Supported cards, identity checks, fees, exchange rates and limits can change, so check your provider's current terms.
Bring a backup
Some hotels and merchants accept international cards directly, but ask in advance if that matters to you. Carry a second card separately and consider a modest amount of renminbi cash. The government guide describes exchange at eligible outlets and withdrawals at ATMs displaying the relevant card-network logos. Check any charges with your bank.
Test early and protect your details
After arrival, try a small purchase where staff can help. If payment fails, use your backup or contact the app provider or bank through official channels. Keep your phone charged, never share one-time verification codes, and do not send card details to a stranger offering assistance. Payment services and conditions change; verify them again close to departure.