Over the last few years, China has become more and more of a cashless society. Most merchants in China, including street vendors and taxi drivers, now can receive electronic payment from WeChat Pay (WeixinPay) and AliPay.
I wasn’t able to set up WeChat Pay as a foreigner. We even called WeChat Pay to ask for guidance, they said they would investigate the matter and haven’t replied to us till now.
For our trip to China, we relied heavily on AliPay for a lot of things. We’ve had some frustration and elation along the way. We love how we can pay for so many things with AliPay, but we hate how often we receive account restrictions just because of some silly reasons.
Based on our real experience using AliPay in China, here’s my guide on how to use AliPay as a Tourist. When I said Tourist, I mean short-term visitor who doesn’t have local bank card and long-term visa.
How to Set Up AliPay
A. Download and Register for AliPay account with your overseas phone number
Download Alipay Mobile App and register with your overseas phone number. I won’t be providing the step-by-step because it’s quite intuitive and the interface change all the time. Hence, you can simply follow the instruction from the app.
B. Change Language to English
If you don’t read Chinese, you can change the language to English by following the steps below. Do note that the English version is only Beta, that means, it is not perfect yet; the essential texts are in English, but you will still encounter a lot of Chinese texts.

C. Upload your ID for verification
Next, you will need to do verification in order to use Alipay. For foreigners, you need to upload the softcopy/photo of your passport, and then perform face verification.


D. Add your bank card
Lastly, you need to add your bank card before you can use Alipay. Bank card refers to debit card or credit card.
To add a bank card to your account, simply go to Me > Bank Cards. Alternatively, on your homepage, if you see a prompt to add your bank card, you can tap on that button as well.
The accepted cards are: Visa, Mastercard, Diners Club, Discover, JCB, UnionPay.


Pro-tip for adding overseas bank card:
1. Don’t add cards that don’t belong to you.
I learned this the hard way. I added my husband’s bank card because his card earns more points for overseas spending, but apparently Alipay doesn’t like that. As a result, my account was blocked immediately!
Alipay didn’t outright say that I was blocked, but, I couldn’t add other cards that belong to me. When I tried to add my own card, Alipay rejected it. And there’s no instructions on how to fix it.

I decided to make international call to Alipay’s customer hotline in China. Thankfully, I talked with a very helpful agent who speaks perfect English. He told me my account was restricted (that’s when I knew I was blocked!). He gave me a link to submit my husband’s card photo, and my account restriction was lifted a couple of hours later.
2. Don’t add 2 cards; it will confuse Alipay.
I added 2 cards because I wanted to be cautious in case one of the card gets restricted for whatever reason. Well.. it was not a smart move. That will cause Alipay to be confused.
Sometimes, even though I selected Card A when making payment, Alipay would charge Card B. Then, after it realized it has charged the wrong card, Alipay will then refund Card B and charge Card A instead.
But I still lose money from the cancelled transaction, because my bank charges me foreign transaction fees which Alipay didn’t refund. So, save yourself some trouble and add only 1 card. Anyway, this is just a small issue, it’s just a couple of cents lost.
Can I use AliPay outside China?
After setting up AliPay, you might be thinking whether it’s possible to test it out before you go to China. As a foreigner with Alipay international account, unfortunately, it’s not possible to test using AliPay outside China based on my own experience.
You can only use your AliPay to make payment when you’re in China. You won’t know whether your account is good to go or not, until you perform your first transaction in China. My advice is just get a local number so you can call AliPay’s hotline when you encounter problem with AliPay when you’re in China.
How to Use AliPay in China as a Tourist
Even though there are so many features in Alipay, I use Alipay mainly for the following functions:
1. Use AliPay for your in-store purchases
We used AliPay for most of our transactions in China. I said most because, when we visited Beijing in 2023, not every merchant can process payment done by Alipay international accounts. 80% of the time our transaction was successful (it was even accepted by vending machine). For unsuccessful Alipay transactions, we had to use cash to pay.
Our successful Alipay transactions include:
- Restaurants
- Retail shops, shopping malls and convenient stores
- Most tourist attractions (including Summer Palace)
Our unsuccessful Alipay transactions include:
- Beijing High Speed Train ticket purchase
- Badaling Great Wall entrance ticket and cable car ticket
- Fairmont Beijing Hotel
- Street vendors
- Offline taxi hailed from the street
In order to use Alipay to make payment, you only needed to ensure your bank card has been added successfully and your account is not restricted. No additional registration or activation is required.
There are 2 ways to make payment: you scan their code, or let them scan your code. Illustration below.

About Tour Pass: In the past, people who don’t have local China bank account would have to use “Tour Pass” as a virtual mobile wallet. They would load money to the wallet using their international bank card, then they can pay for goods & services using this wallet. However, Tour Pass has been discontinued since March 2023. As I explained in the above paragraphs, you can directly use Alipay to make payment and Alipay will directly charge your bank card. You don’t need to load any money to a virtual wallet.
2. Use AliPay for Metro
One of my most favorite feature of Alipay is the Metro payment function! With this, I did not have to purchase a separate transport card anymore!
Before you use Alipay to pay for metro for the first time, you need to activate it and obtain your QR code. Each city has different Metro card, so you need to activate metro card for your destination city.
Here’s how to activate and use your metro card on Alipay:
- Select the city name where you want to activate metro card
- On homepage, tap “Transport”
- Then, tap “Metro” followed by “Get Now”
- On the next page, view and agree to the T&C, then tap “Agree and obtain card”
- A unique QR code will be generated for you, and you can scan this QR code when you enter & exit a metro station.
- Alipay will charge your bank card for each transaction. You can view the metro fee amount in the notification under “message” tab at the bottom of the screen.

3. Use AliPay for Taxi
Yes, you can also use Alipay to order taxi! But you need to activate this function first. After activating, you will be able to enter your origin location and destination. Unfortunately it’s all in Chinese language, so if you can’t read Chinese words, you will need to screenshot it and translate it using Google Translate app.


When I was in Beijing, the taxi in Alipay app is the meter taxi, not online taxi. The final fee will depend on the actual meter. At the end of the ride, the driver will send you a request for payment, and you will have to manually input the amount to pay the driver.
The waiting time varies a lot depending on location and supply & demand. On some days, we could get taxi easily. But, on other days, it was impossible to get a taxi even though we waited for half an hour.
4. Use AliPay for Bus (not recommended)
You can also use Alipay to take bus. You’ll need to activate the Bus function first; you can follow the same steps as activating the Train function in the above section.
However, I do not recommend using Alipay to pay for bus rides, especially in Beijing. Alipay system had some glitches when processing bus payment; it can’t charge our credit card for bus fee that is RMB1 and below, but we didn’t know this (how are we supposed to know?). After we took the bus, our Bus & Train functions were blocked.
Here’s how our story goes.
We took our first bus ride in Beijing and scanned our bus QR code when entering and exiting. After we alighted from the bus, Alipay asked us to settle the bus payment of 1 yuan. When we clicked the button to make payment, the system didn’t allow us to pay with our existing bank card, we were asked to add new card.

We tried to add new card but the system rejected it. We’re confused because we never had this issue with train ride. I made a call to the hotline and talked for almost 1 hour, but the agent said Alipay can only process payment more than RMB1, and our bus fee was RMB1, hence the glitches. She has a solution: ask a friend to transfer RMB1 to our account to settle the bus payment. But.. we didn’t have any friends in Beijing! We are tourists!
For the rest of the day, we use taxi instead of public transport (thankfully our Taxi function was not blocked!). The next day, we asked our hotel receptionist to help transfer 1 yuan to each of us and we paid him cash. Immediately after the transfer went through, Alipay use it to settle the bus payment (we didn’t even have to tap anything). Then, our Bus & Train functions were restored, phew! What an experience!
So, my advice to you is this. If you have to take bus, pay with cash instead of Alipay.
What to do if you encounter issue with AliPay
From all the misfortunes that we had, I think it’s safe to say that AliPay has.. trust issue.
Do one simple mistake of adding other people’s bank card and they will block your account. Use it for small amount transaction of RMB1 and below, and your Bus & Train functions get blocked.
Use it for the first time and your Alipay account gets blocked for no reason. Apparently, they needed to do another verification after we used our Alipay for the first time (wHaT??!).
Sometimes, you won’t know your account is blocked until you perform a transaction and it fails! Frustrating, I know.
Anyway, whenever you encounter and issue, simply make a call to their hotline (I recommend you buy a local sim card, you might have to call Alipay often). Once connected, you can choose to speak to an English-speaking agent if you don’t speak Chinese. Even though they might not resolve your issue immediately, at least they have solutions and able to forward your issue to relevant department.
As a tourist, you can’t rely on Alipay entirely. Always bring cash! Cash will help to tide you over when waiting for your Alipay issues to be resolved.
If you do not want to bring too much cash, bring ATM card that allows you to do overseas withdrawal! Money changer can be hard to find, so ATM is the best alternative to bringing too much cash.
That’s all I learned from using Alipay as a tourist in China! If you have any personal anecdotes or information to share, please comment below. It will help many people trying to figure out what to look out for when using Alipay in China!
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Anna
Thursday 28th of September 2023
Hello, thank you for detailed article. I have UnionPay car, do you think it can be added to AliPay?
Eva
Friday 29th of September 2023
Yes they accept UnionPay!
James
Tuesday 26th of September 2023
Thank you for your article, it is informative. I'm planning my 1st solo trip to China next yr and I'm already having problem with hotel booking, a working map for itinerary plan and most importantly, how to setup/use Alipay. I'm also from SG!
Eva
Wednesday 27th of September 2023
Hi James, thank you! A solo trip to China is going to be quite challenging. My recent trip to Beijing isn't my first time to China, but it's my first time doing it independently without travel agent, and I scratched my head plenty of times. If you can read Chinese, you can use their apps to plan your trip (eg: Baidu for map, etc). IF you don't read Chinese, I find travelchinaguide website to be super informative and helpful. For hotel booking, I use Agoda. Hope you have a great trip!
Wah Piow Tan
Monday 18th of September 2023
Very detailed explanation. It confirm my recent (sept 23) in setting up, and attempt to use it in London in a Chinese restaurant that use Alipay. It does not work.
On ‘asking a friend to transfer money’, it cannot be done unless you have a China’s bank account. I.e individual-to-individual account between Alipay users only if both have China account vet verification. It’s to prevent money laundering.
Eva
Wednesday 20th of September 2023
Thanks for confirming it can't be used outside China! Regarding friend to friend transfer, we can receive transfer from our hotel receptionist; I'm not sure if our experience is universal or not.
Terence
Thursday 7th of September 2023
Dear Eva, This is one of best and most detailed write-up on Alipay. Many thanks to your writeup. I have some questions.
1) you mentioned that after the first use of Alipay in China, the account was locked. Was the issue due to the use of your husband's card? Did it happen to your husband's alipay as well?
2) May I confirm that you can use Alipay in China using non China sim card. Are there any functions are not functional using foreign number?
3) What is a sure way of testing the Alipay when you are in China? which vendor is definitely working when you were there (e.g. starbucks?etc)
Thanks so much :)
Eva
Friday 8th of September 2023
Hi Terence, thank you!! 1. I think so. After my first use, they asked me to submit the photo of my husband's credit card even though I have sent them before I went to China. My husband didn't have any issue after using it for the first time. 2. Yes I can confirm that you can use Alipay in China without China sim card. But you need to have a mobile connection (eg: roaming data). On my first day, I took the metro using Alipay without any issue, that time I had not purchased China sim card yet. 3. Use the metro! I did not visit starbucks so I don't know. We bought drinks from random minimarket and food from carts near metro station, and Alipay worked. Hope you enjoy your trip to China!
DC
Sunday 20th of August 2023
Hi Eva. Best site for using Alipay. Thank you. Questions about using Alipay for taxi. 1. You say to use Google Translate for entering origin and destination. Is Google Translate usable in China? 2. What do you mean by meter not online taxi? How can I tell? What taxi function to get a taxi? 3. You say to tap Update to update to local number. How? Your picture does not show. 4. How do you get to the page to enter origin and destination? 5. You say driver sends request for payment. Is this request send to my Alipay app? 6. You say manually input amount to be paid. Is this on my Alipay app? Is there a picture to show what this looks like? 7. Can I use Alipay to pay for Didi rides? 8. Can I use Yikatong to pay for taxi rides? Thank you very much.
Eva
Monday 21st of August 2023
Hi DC, 1. I used my home country SIM Card's data roaming. With data roaming, you can access all the western apps as well as Chinese apps. 2. Meter taxi means the price is based on the meter. When booking through Alipay, Alipay will give you an estimated price (not a fixed price); and the final price depends on the actual meter + toll, the taxi driver will tell you the final price at the end of the trip. If you book with other online taxi app like Didi, Didi will give you a fixed price on the app; the price is determined by the app, not by meter. The final price will be the fixed price + toll. 3. Try to zoom in and see where the arrow points to. After you click "Update" something will pop-up for you to input your local number. I don't have photo of this because it's very intuitive. 4. After you "Agree" in third photo, you will get to forth photo where you can key in your origin and destination. 5. Yes 6. Yes. No. 7. Not sure 8. Not sure