Before you fly
Install Alipay and WeChat before landing, then bind an international Visa or Mastercard while you still have reliable access to email and SMS.
Keep your passport name consistent across airline, hotel, and payment setup. Small spelling mismatches are the boring failure mode.
On the ground
Use QR payments for restaurants, convenience stores, taxis, and attractions. Carry a physical card and a small amount of cash for edge cases.
If a payment fails, try the other wallet, lower the amount, or ask the merchant whether foreign cards are accepted through their QR flow.
FAQ
Can I use Apple Pay everywhere in China?
No. QR wallets are far more common than contactless card terminals.
Should I bring cash?
Yes, but only as a fallback. Most daily spending is easier through Alipay or WeChat Pay.