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Travel Guide

Mobile Payments, Cash, and Internet: The Three Things on the First Day on the Ground

In China, mobile payments are mainstream, while cash has become an alternative. This article compiles the actual situation of foreign card-linked payment tools, how much cash to bring, internet plans (eSIM / SIM / roaming), and common reasons for failure.

Updated on 2026-10-28

Many people's anxiety on the first day of returning to their country comes from the same issue: not being able to make payments. The good news is that in the past two years, the channels for binding foreign cards to payment tools have opened up a lot; the bad news is that it is still not 100% reliable, so backup plans are necessary.

Mobile Payments

Binding Foreign Cards

Mainstream payment tools now support binding credit cards issued abroad, but the supported card networks, issuing countries, and single-transaction limits may vary. Be sure to complete the binding before departure and try a small transaction abroad first; don't wait until you land to find out you can't bind it.

Identity Verification

Binding usually requires passport identity verification and SMS verification. If your phone number cannot receive Chinese SMS, the process will get stuck, which is the most common reason for failure.

Backup Plans

  • Prepare a credit card that can be used abroad as a last resort.
  • Cash does not need to be much, but must be on hand: street food stalls, remote scenic spots, and some towns still primarily use cash.
  • If traveling with another person, each should bind a different card to reduce the risk of both failing at the same time.

Internet Access

Three Options

  • International Roaming: Most convenient but expensive, and access to some services depends on the roaming provider.
  • eSIM: Install before departure, activate upon arrival, currently the best balanced solution. Make sure your phone supports eSIM.
  • Local SIM Card: Cheapest and fastest, but requires real-name registration (bring ID).

Notes

After obtaining a number, most apps (payment, ride-hailing, booking) can use it for registration, which works much more smoothly than using a foreign number.

Recommended Order for the First Day After Arrival

  • Handle eSIM or SIM at the airport first to ensure internet access and receive SMS.
  • Then complete the payment tool binding and try a small transaction.
  • Finally, exchange a small amount of cash (airport rates are usually worse; exchange just enough for transportation, then top up in the city).
  • Make sure ride-hailing and map apps work—these two determine your mobility in the city.