A Guide for Indonesians on Payment Methods in China

As you embark on your journey to China, understanding the local payment methods will make your trip smoother and more enjoyable. This guide provides updated information on the most convenient and widely used payment options in China. Whether you're shopping, dining, or exploring attractions, knowing how to pay easily will enhance your travel experience.

Let's explore the essential tips and tools that will help you confidently manage your transactions using China payment methods throughout your journey.

Why Cash is No Longer King in China

Source: Freepik

In China, cash is no longer king, with a striking 86% of merchants in major cities rejecting cash payments, according to the 2024 Tencent Report. From street vendors to high-speed trains, QR codes have become the standard mode of transaction. This shift is also evident in cultural practices, where digital "red packet" gifting has replaced traditional physical money exchanges. Despite this digital trend, it's wise to carry ¥500 (IDR1,000,000) in emergency cash, as suggested by Bank Indonesia, for situations where electronic payments may not be feasible.

Top 3 Payment Methods for Indonesian Travelers

1. Alipay TourPass (International Version)

Alipay TourPass (International Version) stands out as a leading option, allowing users to maintain a prepaid balance of up to ¥10,000, approximately Rp22 million. This service offers the convenience of direct top-ups using Indonesian debit cards from banks like BCA and Mandiri, with the added benefit of a 0% currency conversion fee when locking in rates. Setting up Alipay TourPass is straightforward, making it an ideal choice for travelers seeking hassle-free transactions.

To make payments easily in China, start by downloading the Alipay+ app from the AppStore or PlayStore. Verifying your account is simple—just use your passport and take a selfie. After that, activate the "Tour Pass" under "Services" and add money with your Visa or Mastercard. This method is both convenient and budget-friendly.

2. WeChat Pay via Partner E-Wallets

For Indonesian travelers wanting to use WeChat in China, you can link your DANA or Jenius account for easy payments. Just go to the "Wallet" section in WeChat, select "International Cards," and choose "SEA Region Partners" to enable cross-border payments. Keep in mind, there's a 3% fee for transactions over ¥500, and you can't do peer-to-peer transfers. To help you set it up, check out the WeChat payment interface with Bahasa tooltips for a simple walkthrough. This method helps Indonesian users connect their local accounts to WeChat, making payments more flexible while traveling.

3. International Credit Cards

Visa and Mastercard are widely accepted, with a 98% acceptance rate at 5-star hotels, while JCB cards are accepted at 89%. However, at metro stations, Visa and Mastercard have a low acceptance rate of 12%, and JCB cards are not accepted at all. To ensure smooth transactions, it's advisable to inform your bank about your travel dates to China. By planning ahead, travelers can navigate payment challenges more effectively and enjoy a hassle-free experience.

Step-by-Step: How to Use Alipay & WeChat

Learn how to set up Alipay and WeChat Pay, utilize smart top-up strategies, and ensure seamless transactions during your trip. With practical tips and troubleshooting advice, you can confidently manage your finances and enjoy a hassle-free experience in China.

Pre-Travel Checklist

✅ Device Preparation:

• iPhone: iOS 12+ with 2GB free storage
• Android: EMUI 10+/MIUI 12+ (Huawei/Xiaomi users enable "Install unknown apps")
• Critical: Disable automatic app updates to prevent version conflicts

✅ Essential Documents:

1. Passport with 6+ months validity
2. Indonesian SIM card (Telkomsel/XL Axiata recommended)
3. Debit/Credit card from:
• BCA (UnionPay co-branded cards preferred)
• Mandiri (Mastercard World)
• Jenius (supports Alipay top-up)

1. Alipay Setup Without Chinese Bank Account

Step 1: Download & Regional Settings

To set up Alipay without a Chinese bank account, start by downloading "Alipay+" from the Play Store, not the regular Alipay app. After installing, go to the "Me" section, click on "Settings," and choose "Region." Select "Indonesia" to see your balance in Rupiah.

Step 2: Identity Verification

For identity verification, tap "Tour Pass" on the homepage. Choose "Ordinary Passport (Warga Negara Indonesia)" as your passport type. Take a live selfie from different angles: a front view without any obstructions, and left and right profiles for 3D facial mapping. Use a white background and natural lighting to avoid rejection.

Step 3: Card Binding

To bind your card, choose "Top-up via International Card." You can use Visa from BCA and CIMB Niaga, or Mastercard from Mandiri and BRI. Enter your card's CVV code and confirm with the SMS OTP you receive. This setup will help you use Alipay smoothly during your travels.

2. WeChat Pay Activation Workaround

Method A: Cross-Border Merchant Activation

Start by finding partnered merchants such as Starbucks China or KFC China. At Starbucks, you can order through their mini-program, while at KFC, use the "自助点餐" (self-order) option. When you make your first payment attempt, you should receive an activation prompt. Follow the instructions to upload your passport's MRZ (machine-readable zone) code to complete the activation.

Method B: Hotel-Assisted Verification

During hotel check-in, request a "WeChat Pay Activation Letter" from the staff. The hotel staff will assist you by scanning your passport and inputting their business license information as a guarantor. This process will help verify your account and activate WeChat Pay.

3: Smart Top-Up Strategies

1: Minimize FX Loss

To reduce foreign exchange loss, it's best to top-up during weekdays between 10:00-11:00 WIB, when Bank Indonesia updates its rates. Avoid weekends, as there's typically a 3% markup on currency exchanges.

2: Cash-to-Digital via 7-Eleven

You can convert cash to digital currency by visiting any 7-Eleven store. Show your Alipay "Top-up Code" at the counter, pay in Rupiah, and receive an instant balance in CNY.

Fee Comparison

• Bank Transfer: This method has a fee of 2.5% and takes 3-5 hours to process.
• Convenience Store: Using this option incurs a fee of 1.9% and provides instant processing.
• Credit Card: Topping up via credit card has a fee of 3.8% and is processed instantly.

These strategies can help you manage your finances more effectively while traveling or using digital payment systems.

Step-by-Step: Paying Like a Local

Scenario 1: Street Food Purchase

When buying street food, ask the vendor, "Nǐ yǒu shōu kuǎn mǎ ma?" which means "Do you have a QR code?" Once confirmed, open your Alipay app, scan the vendor's QR code, and enter the payment amount. After completing the transaction, show the vendor the "支付完成" (Payment completed) screen to confirm the payment.

Scenario 2: Didi Taxi Payment

For a seamless taxi experience with Didi, pre-authorize ride payments in the app settings. This setup allows the fare to be automatically deducted from your Alipay balance at the end of the ride. If you need an invoice, request an e-fapiao via email for your records.

5 Cash Alternatives When Tech Fails

When mobile payments aren't an option, these financial solutions can help you manage your expenses effectively while traveling. Options include ATM withdrawals, currency exchange, and prepaid travel cards, ensuring a convenient and cost-effective travel experience.

ATM Withdrawals

For ATM withdrawals, Bank Central Asia (BCA) partners with ICBC and Bank of China to facilitate transactions. You can withdraw a maximum of ¥3,000 per day, which is approximately Rp6.6 million. This partnership ensures convenient access to funds while traveling.

Currency Exchange

To get the best currency exchange rates, visit Bank of China counters rather than airports, where rates tend to be less favorable. When exchanging currency, make sure to bring the required documents, including your passport and flight ticket, to complete the transaction smoothly.

Prepaid Travel Cards

Consider using CIMB Niaga's UnionPay co-branded prepaid travel card for added convenience. This card offers a 5% discount at Ctrip, providing savings on travel bookings and expenses. It's a practical option for managing travel finances efficiently.

Conclusion for China Payment Method

In conclusion, navigating China's payment landscape is crucial for Indonesian travelers seeking a seamless and enjoyable experience. This guide has equipped you with the latest insights into the most convenient payment methods available in 2025. By understanding these options, you can shop, dine, and explore attractions with ease and confidence. Embrace these tips and tools to manage your transactions effectively, ensuring a hassle-free journey through China!✈️