Side by side
| Question | Alipay | WeChat Pay |
|---|---|---|
| Setup | Install the app, register with a mobile number, choose the International Version, tap Add Now and add a card | Set up with a passport or permitted ID after entering the mainland, then link an international card |
| Cards | Credit or debit cards from major international networks, issued outside the mainland | Visa, American Express, Discover Global Network (with Diners Club), JCB and Mastercard |
| Fees | No fee stated for international cards; the rate comes from the card scheme and your bank | Fees waived for single payments of 200 RMB or less, per Tencent in July 2023 |
| Limits | No amount limit listed for international cards | No maximum per payment given in the article |
| Not allowed with the card | Person-to-person transfers, red packets, wealth management, insurance and other financial services | Not stated in the article |
Alipay’s page was read on 5 Nov 2026. The Tencent article is dated 20 Jul 2023, so check the app for current terms.
How to choose
Pick the one whose setup you can finish at home or at the airport without trouble. Merchants differ, so a second wallet helps when a shop shows only one QR code. Do not put all your spending money on one app.
Step-by-step guides: Alipay and WeChat Pay.
Compare China eSIM plans
Yesim
CHINA- 1 GB, 30 days
- 5 GB, 30 days: $13.20
- Unlimited, 5 days: $21.60
- Speed may be reduced under the network’s fair-use policy.
Airalo
CHINA- 1 GB, 3 days
- 5 GB, 30 days: $14.50
- Unlimited, 5 days: $19.00
- Throttled to 1 Mbps after 3 GB per day.
Saily
CHINA- 1 GB, 7 days
- 5 GB, 30 days: $15.99
- Unlimited, 5 days: $22.99
- 5 GB per day at full speed, then up to 1 Mbps.
Check eSIM compatibility, carrier unlock, coverage and when validity starts. Buy and install while you have reliable Wi-Fi. Prices in US dollars, from each provider’s China page on the date shown. They change often.
Questions before you go
Can I use my foreign card in both apps?
Both providers say so: Alipay accepts cards from major international networks issued outside the mainland, and Tencent lists five card networks for Weixin Pay.
Which one has lower fees?
Tencent says fees are waived for single payments of 200 RMB or less. Alipay’s page states no fee for international cards. Check the payment screen.
Do I still need cash?
The cash guide covers what to carry. A backup is wise because acceptance varies by shop.
Sources & review notes
- Alipay+ visitor guide ↗ · Reviewed
- Tencent: Weixin Pay for overseas visitors, 20 Jul 2023 ↗ · Reviewed
Product prices use their own dates. Provider statements are not independent connection tests. Recheck time-sensitive details before booking.