China has rapidly transitioned into a cashless society, with mobile payment platforms dominating transactions. Whether you’re a tourist, an expatriate, or a business traveler, having WeChat Pay and Alipay set up on your smartphone is essential for navigating daily life, from paying for meals to booking transportation.
Having meticulously prepared these exact instructions for a corporate study trip to Shanghai, where I guided a large group through the intricacies of mobile payments, I gained firsthand insight into just how essential a seamless digital payment solution is before setting foot in China.
This comprehensive guide provides clear, step-by-step instructions to download, install, and configure WeChat Pay and Alipay, ensuring you can make cashless payments effortlessly while in China.v
WeChat Pay: Step-by-Step Setup Guide
1. Download and Install WeChat
- Search for WeChat in the App Store (iOS) or Google Play Store (Android).
- Download and install the app on your smartphone.
2. Sign Up for a WeChat Account
- Open the app and tap Sign Up.
- Enter your phone number, then verify it using the OTP sent to your device.
- Set up your username and password.
3. Access WeChat Pay
- Open WeChat and go to Me > Services (or Wallet, depending on the version).
- If WeChat Pay is not visible, you may need to change your region to Mainland China in the settings.
4. Link a Bank Card
- In WeChat Pay, navigate to Cards and tap Add a Card.
- Enter your bank card number (a Chinese bank card is typically required).
- Provide additional details such as your name, passport number, and phone number linked to the bank account.
- Confirm with the OTP sent to your phone.
5. Set Up a Payment Password
- Create a 6-digit security password for secure transactions.
- This password will be required for every payment.
6. Using WeChat Pay
- Scan to Pay: Tap Scan and scan a merchant’s QR code.
- Receive Payments: Tap Receive Money to generate your own QR code.
- Transfer Funds: Send money to contacts via their WeChat account or QR code.
Alipay: Step-by-Step Setup Guide
1. Download and Install Alipay
- Search for Alipay in the App Store (iOS) or Google Play Store (Android).
- Download and install the application.
2. Sign Up for an Alipay Account
- Open the app and tap Sign Up.
- Enter your phone number, then verify it using the OTP sent to your device.
- Set up your username and password.
3. Access Alipay Wallet
- Navigate to Me > Bank Cards to access wallet settings.
4. Link a Bank Card
- Tap Add Card and enter your bank card number.
- Provide required details, including name, passport number (for foreigners), and phone number linked to the bank.
- Verify your identity and confirm with the OTP sent to your phone.
5. Set Up a Payment Password
- Create a 6-digit security password for transactions.
- Enable biometric verification (Face ID or fingerprint) for quicker payments.
6. Using Alipay
- Scan to Pay: Tap Scan and scan a merchant’s QR code.
- Receive Money: Tap Receive to display your personal QR code.
- Transfer Funds: Send money to other Alipay users using their phone number or QR code.
WeChat Pay vs. Alipay: Which One Should You Use?
Both WeChat Pay and Alipay are widely accepted across China, and while most businesses support both, some may favor one over the other. Having both installed ensures smooth and hassle-free transactions.
- WeChat Pay is integrated into the WeChat ecosystem, making it ideal for peer-to-peer transfers, business payments, and in-app purchases.
- Alipay offers extensive financial services, including bill payments, investment options, and international remittance features.
Personal Experience
During my work trip to Shanghai, I found myself relying on WeChat Pay primarily for communication with my team, while Alipay became my go-to for everyday payments, including metro rides and shopping. By the second day, I had fully adapted to the system, finding it incredibly intuitive and efficient.
Final Thoughts
Setting up WeChat Pay and Alipay is essential for anyone traveling to or living in China. While it may take a short time to adjust, once you experience the convenience of China’s cashless economy, you’ll wonder why the rest of the world hasn’t followed suit.
By following this guide, you’ll be fully prepared to handle transactions effortlessly, making your time in China smooth and hassle-free.